ALB DECOR
ActiveALB DECOR has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €554. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 93% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-24
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 8.1 against 4.96 in 2024), and 12.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
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
87.6%
Return on assets
1.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-01-2026, 27 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
27 d early
2024
19 d early
2023
28 d late
2022
on the day
2021
758 d late
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 1.9%
2024 · €29k
2019: €14k
2020: €25k
2021: €26k
2022: €22k
2023: €27k
2024: €29k
2019 → 2025
Total assets
€34k▼ 7.1%
2024 · €36k
2019: €27k
2020: €64k
2021: €44k
2022: €31k
2023: €32k
2024: €36k
2019 → 2025
Net result
€554▼ 70.6%
2024 · €2k
2019: €3k
2020: €11k
2021: €2k
2022: €-5k
2023: €5k
2024: €2k
2019 → 2025
Working capital
€29k▲ 1.9%
2024 · €29k
2019: €14k
2020: €6k
2021: €26k
2022: €22k
2023: €27k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€22k▼ 17.1%€27k▲ 23.0%€29k▲ 7.0%€29k▲ 1.9%
Operating result€3k-€-4k€7k€5k▼ 28.7%€2k▼ 67.0%
Net result€2k-€-5k€5k€2k▼ 62.6%€554▼ 70.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €34k
Equity
€29k▲ 1.9%
Debt
€4k▼ 43.1%
The debt ratio falls from 20.1% to 12.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
87.6%▲
2024 · 79.9%
Current ratio
8.10▲
2024 · 4.96
Quick ratio
8.10▲
2024 · 4.96
Debt / equity
0.14▼
2024 · 0.25
ROE
1.9%▼
2024 · 6.5%
ROA
1.7%▼
2024 · 5.2%
Debt
€4k▼
2024 · €7k
Debt ≤ 1 year
€4k▼
2024 · €7k
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€36k€34k▼
Current assets29/58€36k€34k▼
Amounts receivable within one year40/41€32k€33k▲
Trade receivables40€300€3k▲
Other amounts receivable41€32k€30k▼
Cash at bank and in hand54/58€3k€479▼
Deferred charges and accrued income490/1€647-
Equity and liabilities
Total equity and liabilities10/49€36k€34k▼
Equity10/15€29k€29k▲
Contributions10/11€6k€6k=
Reserves13€394€394=
Non-distributable reserves130/1€394€394=
Reserves not available under the articles1311€394€394=
Profit (loss) carried forward14€22k€23k▲
Amounts payable17/49€7k€4k▼
Amounts payable within one year42/48€7k€4k▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Income statement
Code20242025
Other operating charges640/8€2k€4k▲
Gross operating margin9900€7k€6k▼
Operating profit (loss)9901€5k€2k▼
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€3k€554▼
Income taxes67/77€2k-
Profit (loss) for the period9904€2k€554▼
Profit (loss) for the period to be appropriated9905€2k€554▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€23k▲
Profit (loss) brought forward from the previous period14P€20k€22k▲
The notes to these accounts (3 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
04-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 758 days late
2023
30-06
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-5k ▼350%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2021
30-06
Financial
Liquidity doublescurrent ratio 2.47
Current ratio from 1.15 to 2.47; short-term debt falls from €39k to €18k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €11k ▲222%
Operating result €14k, net result €11k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2015
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.
Menestrelenlaan 281070 AnderlechtGround area
88 m²
Building footprint
107 m²
Volume, LiDAR
1,200 m³
Parcel 21302A0019/00Y015, Brussels · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ALB DECOR
since 20152.244.859.518
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0019/00Y015 | Brussels | 88 m² | 1 · 107 m² | 13.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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CHEZ PASCARIU
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CD IN & OUT
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 12,267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded12-08-2015
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43422Screed work
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.