PUTMAN DAKWERKEN
ActiveSummary
The computed 12-month bankruptcy probability of PUTMAN DAKWERKEN is 1.9% (moderate). The 2025 annual accounts show negative equity (€-73k) and a net result of €-13k. Equity is shrinking by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 27965 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.46 in 2024; short-term debt: 228.5% and cash: 0.6% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-129.3%
Return on assets
-22.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-73k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
6 d late
2023
12 d late
2022
7 d late
2021
9 d late
2020
2 d early
2019
56 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-73k▼ 20.7%
2024 · €-61k
2018: €34khighest in 8 years
2019: €9k▼ -72.9% vs 2018
2020: €-18k▼ -293% vs 2019
2021: €-31k▼ -72.7% vs 2020
2022: €-50k▼ -61.5% vs 2021
2023: €-49k▲ +1.7% vs 2022
2024: €-61k▼ -23.8% vs 2023
2025: €-73k▼ -20.7% vs 2024lowest in 8 years
2018 → 2025
Total assets
€57k▲ 8.4%
2024 · €52k
2018: €180khighest in 8 years
2019: €157k▼ -12.6% vs 2018
2020: €128k▼ -18.4% vs 2019
2021: €98k▼ -23.5% vs 2020
2022: €94k▼ -3.8% vs 2021
2023: €91k▼ -3.6% vs 2022
2024: €52k▼ -42.4% vs 2023lowest in 8 years
2025: €57k▲ +8.4% vs 2024
2018 → 2025
Net result
€-13k▼ 7.9%
2024 · €-12k
2018: €16khighest in 8 years
2019: €-25k▼ -254% vs 2018
2020: €-27k▼ -9.2% vs 2019lowest in 8 years
2021: €-13k▲ +52.1% vs 2020
2022: €-19k▼ -46.2% vs 2021
2023: €874▲ +105% vs 2022
2024: €-12k▼ -1439% vs 2023
2025: €-13k▼ -7.9% vs 2024
2018 → 2025
Working capital
€-77k▼ 25.5%
2024 · €-61k
2018: €3khighest in 8 years
2019: €-12k▼ -540% vs 2018
2020: €-31k▼ -156% vs 2019
2021: €-32k▼ -1.4% vs 2020
2022: €-37k▼ -15.2% vs 2021
2023: €-45k▼ -22.8% vs 2022
2024: €-61k▼ -36.7% vs 2023
2025: €-77k▼ -25.5% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-31k-€-50k▼ 61.5%€-49k▲ 1.7%€-61k▼ 23.8%€-73k▼ 20.7%
2021: €-31khighest in 5 years
2022: €-50k▼ -61.5% vs 2021
2023: €-49k▲ +1.7% vs 2022
2024: €-61k▼ -23.8% vs 2023
2025: €-73k▼ -20.7% vs 2024lowest in 5 years
Operating result€-11k-€-18k▼ 55.9%€2k€-11k€-12k▼ 4.2%
2021: €-11k
2022: €-18k▼ -55.9% vs 2021lowest in 5 years
2023: €2k▲ +112% vs 2022highest in 5 years
2024: €-11k▼ -650% vs 2023
2025: €-12k▼ -4.2% vs 2024
Net result€-13k-€-19k▼ 46.2%€874€-12k€-13k▼ 7.9%
2021: €-13k
2022: €-19k▼ -46.2% vs 2021lowest in 5 years
2023: €874▲ +105% vs 2022highest in 5 years
2024: €-12k▼ -1439% vs 2023
2025: €-13k▼ -7.9% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €11k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€4k ▲ 792%
Current assets
€53k ▲ 1.8%
Key figures and ratios
EBITDA
€-10k▼
2024 · €-10k
Cash flow
€-11k▼
2024 · €-11k
Solvency
-129.3%▼
2024 · -116.2%
Current ratio
0.41▼
2024 · 0.46
Quick ratio
0.11▼
2024 · 0.12
Debt to equity
-1.77▲
2024 · -1.86
ROA
-22.2%▲
2024 · -22.3%
Interest coverage
-8.95▲
2024 · -13.07
Debt
€130k▲
2024 · €113k
Debt ≤ 1 year
€130k▲
2024 · €113k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€52k€57k▲
Fixed assets21/28€440€4k▲
Tangible fixed assets22/27€440€4k▲
Plant, machinery and equipment23-€4k
Furniture and vehicles24€440€41▼
Current assets29/58€52k€53k▲
Stocks and contracts in progress3€38k€38k=
Stocks30/36€38k€38k=
Amounts receivable within one year40/41€10k€12k▲
Trade receivables40€7k€10k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€519€361▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€52k€57k▲
Equity10/15€-61k€-73k▼
Contributions10/11€20k€20k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€-95k€-108k▼
Amounts payable17/49€113k€130k▲
Amounts payable within one year42/48€113k€130k▲
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€10k€12k▲
Suppliers440/4€10k€12k▲
Taxes, remuneration and social security45€186€4k▲
Taxes450/3€186€226▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€98k€113k▲
Accrued charges and deferred income492/3-€500
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-9k€-9k▼
Operating profit (loss)9901€-11k€-12k▼
Financial income75/76B€218€141▼
Recurring financial income75€218€141▼
Financial charges65/66B€772€1k▲
Recurring financial charges65€772€1k▲
Profit (loss) for the period before taxes9903€-12k€-13k▼
Profit (loss) for the period9904€-12k€-13k▼
Profit (loss) for the period to be appropriated9905€-12k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-95k€-108k▼
Profit (loss) brought forward from the previous period14P€-83k€-95k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27k | €23k | €8k | €1k | €1k | ▲ 21.8% |
| Other operating charges640/8 | €878 | €1k | €841 | €1k | €1k | ▼ 13.8% |
| Gross operating margin9900 | €16k | €6k | €11k | €-9k | €-9k | ▼ 4.5% |
| Operating profit (loss)9901 | €-11k | €-18k | €2k | €-11k | €-12k | ▼ 4.2% |
| Financial income75/76B | €430 | €265 | €423 | €218 | €141 | ▼ 35.3% |
| Recurring financial income75 | €430 | €265 | €423 | €218 | €141 | ▼ 35.3% |
| Financial charges65/66B | €2k | €2k | €2k | €772 | €1k | ▲ 49.5% |
| Recurring financial charges65 | €2k | €2k | €2k | €772 | €1k | ▲ 49.5% |
| Profit (loss) for the period before taxes9903 | €-13k | €-19k | €874 | €-12k | €-13k | ▼ 7.9% |
| Profit (loss) for the period9904 | €-13k | €-19k | €874 | €-12k | €-13k | ▼ 7.9% |
| Profit (loss) for the period to be appropriated9905 | €-13k | €-19k | €874 | €-12k | €-13k | ▼ 7.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €98k | €94k | €91k | €52k | €57k | ▲ 8.4% |
| Fixed assets21/28 | €30k | €9k | €1k | €440 | €4k | ▲ 792% |
| Tangible fixed assets22/27 | €30k | €9k | €1k | €440 | €4k | ▲ 792% |
| Plant, machinery and equipment23 | €1k | €594 | €214 | - | €4k | - |
| Furniture and vehicles24 | €3k | €1k | €1k | €440 | €41 | ▼ 90.6% |
| Leasing and similar rights25 | €26k | €7k | - | - | - | - |
| Current assets29/58 | €68k | €86k | €90k | €52k | €53k | ▲ 1.8% |
| Stocks and contracts in progress3 | €48k | €52k | €38k | €38k | €38k | = |
| Stocks30/36 | €36k | €40k | €38k | €38k | €38k | = |
| Contracts in progress37 | €12k | €12k | - | - | - | - |
| Amounts receivable within one year40/41 | €15k | €17k | €47k | €10k | €12k | ▲ 24.4% |
| Trade receivables40 | €11k | €14k | €42k | €7k | €10k | ▲ 49.1% |
| Other amounts receivable41 | €4k | €3k | €5k | €3k | €2k | ▼ 39.7% |
| Cash at bank and in hand54/58 | €2k | €12k | €2k | €519 | €361 | ▼ 30.3% |
| Deferred charges and accrued income490/1 | €3k | €3k | €3k | €3k | €2k | ▼ 37.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €98k | €94k | €91k | €52k | €57k | ▲ 8.4% |
| Equity10/15 | €-31k | €-50k | €-49k | €-61k | €-73k | ▼ 20.7% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €14k | €14k | €14k | €14k | €14k | = |
| Non-distributable reserves130/1 | €815 | €815 | - | - | - | - |
| Reserves not available under the articles1311 | €815 | €815 | - | - | - | - |
| Distributable reserves133 | €13k | €13k | €14k | €14k | €14k | = |
| Profit (loss) carried forward14 | €-65k | €-84k | €-83k | €-95k | €-108k | ▼ 13.3% |
| Amounts payable17/49 | €129k | €144k | €140k | €113k | €130k | ▲ 15.1% |
| Amounts payable after more than one year17 | €30k | €18k | €5k | - | - | - |
| Financial debts170/4 | €30k | €18k | €5k | - | - | - |
| Amounts payable within one year42/48 | €99k | €122k | €134k | €113k | €130k | ▲ 14.6% |
| Current portion of amounts payable after more than one year42 | €14k | €12k | €12k | €5k | €0 | ▼ 100% |
| Trade debts44 | €16k | €24k | €21k | €10k | €12k | ▲ 27.9% |
| Suppliers440/4 | €16k | €24k | €21k | €10k | €12k | ▲ 27.9% |
| Taxes, remuneration and social security45 | €1k | €56 | €4k | €186 | €4k | ▲ 2,277% |
| Taxes450/3 | €1k | €56 | €112 | €186 | €226 | ▲ 21.2% |
| Remuneration and social security454/9 | - | - | €4k | - | €4k | - |
| Other amounts payable47/48 | €68k | €86k | €97k | €98k | €113k | ▲ 15.2% |
| Accrued charges and deferred income492/3 | - | €5k | €500 | - | €500 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-13k | €-19k | €874 | €-12k | €-13k | ▼ 7.9% |
| + Depreciation and write-downs630 | €27k | €23k | €8k | €1k | €1k | ▲ 21.8% |
| Operating cash flow (approximation) | €14k | €4k | €9k | €-11k | €-11k | ▼ 6.5% |
| Investment in fixed assets (approximation) | - | €-2k | €-1k | €0 | €-5k | - |
| Change in cash | - | €10k | €-10k | €-2k | €-157 | ▲ 89.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Back to profitnet €874
Net result €874 after 4 loss-making years.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Kruisem · 1 establishment unit since 2017
Ground area
820 m²
Building footprint
269 m²
Volume, LiDAR
1,182 m³
Parcel 45017B0527/00H000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Putman Dakwerken
since 20172.263.616.942
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017B0527/00H000 | Flanders | 820 m² | 1 · 269 m² | 7.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,473. 1,708 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43410Roofing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.