HABSCH DACHDECKER & GERÜSTBAU
ActiveThe computed 12-month bankruptcy probability of HABSCH DACHDECKER & GERÜSTBAU is 2.8% (moderate). The 2025 annual accounts show equity of €64k and a net result of €20k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 16% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-12
Solvency38▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.27 in 2024; short-term debt: 26.2% and cash: 11.6% of total assets), and 86.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.3%
Return on assets
4.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
2023
27 d early
2022
33 d early
2021
33 d early
2020
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▼ 51.4%
2024 · €41k
2020: €19k
2021: €702
2022: €11k
2023: €-6k
2024: €41k
2020 → 2025
Working capital
€46k▼ 45.2%
2024 · €84k
2020: €23k
2021: €37k
2022: €48k
2023: €62k
2024: €84k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€55k▲ 21.9%€47k▼ 13.4%€86k▲ 82.5%€64k▼ 25.8%
Operating result€8k-€13k▲ 50.4%€-1k€61k€31k▼ 49.5%
Net result€702-€11k▲ 1,467%€-6k€41k€20k▼ 51.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €482k
Fixed assets
€310k▲ 43.9%
Current assets
€172k▲ 15.2%
Equity and liabilities €482k
Equity
€64k▼ 25.8%
Debt
€418k▲ 50.1%
The debt ratio rises from 76.3% to 86.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€65k▼
2024 · €88k
Cash flow
€54k▼
2024 · €68k
Solvency
13.3%▼
2024 · 23.7%
Current ratio
1.36▼
2024 · 2.27
Quick ratio
1.14▼
2024 · 1.76
Debt / equity
6.53▲
2024 · 3.23
ROE
31.0%▼
2024 · 47.3%
ROA
4.1%▼
2024 · 11.2%
Interest coverage
5.69▼
2024 · 9.81
Debt
€418k▲
2024 · €279k
Debt ≤ 1 year
€126k▲
2024 · €66k
Debt > 1 year
€291k▲
2024 · €209k
Income taxes
€4k▼
2024 · €15k
Staff costs
€175k▲
2024 · €120k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€365k€482k▲
Fixed assets21/28€215k€310k▲
Intangible fixed assets21€11k€8k▼
Tangible fixed assets22/27€205k€301k▲
Land and buildings22€132k€123k▼
Plant, machinery and equipment23€40k€37k▼
Furniture and vehicles24€1k€118k▲
Leasing and similar rights25€31k€24k▼
Current assets29/58€150k€172k▲
Stocks and contracts in progress3€34k€28k▼
Stocks30/36€34k€28k▼
Amounts receivable within one year40/41€81k€81k▼
Trade receivables40€72k€66k▼
Other amounts receivable41€9k€15k▲
Cash at bank and in hand54/58€17k€56k▲
Deferred charges and accrued income490/1€18k€7k▼
Equity and liabilities
Total equity and liabilities10/49€365k€482k▲
Equity10/15€86k€64k▼
Contributions10/11€25k€25k=
Reserves13€39k€39k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€22k-
Amounts payable17/49€279k€418k▲
Amounts payable after more than one year17€209k€291k▲
Financial debts170/4€69k€160k▲
Other amounts payable178/9€140k€131k▼
Amounts payable within one year42/48€66k€126k▲
Current portion of amounts payable after more than one year42€23k€36k▲
Trade debts44€15k€3k▼
Suppliers440/4€15k€3k▼
Taxes, remuneration and social security45€13k€26k▲
Taxes450/3€2k€11k▲
Remuneration and social security454/9€12k€15k▲
Other amounts payable47/48€15k€62k▲
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€120k€175k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€34k▲
Other operating charges640/8€6k€3k▼
Gross operating margin9900€214k€243k▲
Operating profit (loss)9901€61k€31k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€56k€24k▼
Income taxes67/77€15k€4k▼
Profit (loss) for the period9904€41k€20k▼
Profit (loss) for the period to be appropriated9905€41k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€42k▼
Profit (loss) brought forward from the previous period14P€22k€22k=
Transfer to equity691/2€39k-
To other reserves6921€39k-
Profit to be distributed694/7€2k€42k▲
Return on contributions (dividend)694€2k€42k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼152%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bütgenbach · 2 establishment units since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Elsenborn,Zur Eichenheck 324750 Bütgenbach2 establishment units
HABSCH DACHDECKER & GERÜSTBAU
since 20202.298.181.111
HABSCH DACHDECKER & GERÜSTBAU
since 20202.298.181.210
Recognitions · licences · registrations
Recognised contractor
4 categoriesHABSCH DACHDECKER & GERÜSTBAU GmbH40528
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Of 8,558 companies in sector 43410 we hold annual accounts for 4,350. 3,748 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:habsch.marcel@gmail.com