ANNE - DECOR
ActiveSummary
ANNE - DECOR has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154,549 and a net result of €109,262. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+18
Solvency45▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.56 in 2024; short-term debt: 76.7% and cash: 27.9% of total assets), and 80% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
20%
Return on assets
14.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €154,549
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
8 d early
2023
28 d early
2022
3 d late
2021
51 d early
2020
30 d late
2019
146 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 4 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 oldest company in Holsbeek, Wholesale and retail trade sector
Equity
€154,549▲ 241%
2024 · €45,287
Total assets
€771,570▲ 22.4%
2024 · €630,430
Net result
€109,262
2024 · -€2,966
Working capital
-€118,193▲ 49.4%
2024 · -€233,483
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€51,786▼ 42.9%€65,642▲ 26.8%-€54,339€1,382€137,653▲ 9,858%
Net result€46,440within the sector's middle half▼ 44.9%€49,847within the sector's middle half▲ 7.3%-€62,584below the sector's middle half-€2,966below the sector's middle half▲ 95.3%€109,262above the sector's middle half
Equity€60,989below the sector's middle half▲ 319%€110,836within the sector's middle half▲ 81.7%€48,252below the sector's middle half▼ 56.5%€45,287below the sector's middle half▼ 6.1%€154,549within the sector's middle half▲ 241%
Total assets€926,720within the sector's middle half▲ 25.3%€876,406within the sector's middle half▼ 5.4%€807,997within the sector's middle half▼ 7.8%€630,430within the sector's middle half▼ 22.0%€771,570within the sector's middle half▲ 22.4%
Debt€850,232▲ 22.5%€765,571▼ 10.0%€759,745▼ 0.8%€585,144▼ 23.0%€617,021▲ 5.4%
Working capital-€228,720below the sector's middle half▲ 15.4%-€163,413below the sector's middle half▲ 28.6%-€222,658below the sector's middle half▼ 36.3%-€233,483below the sector's middle half▼ 4.9%-€118,193below the sector's middle half▲ 49.4%
Solvency6.6%below the sector's middle half▲ 4.6pp12.6%below the sector's middle half▲ 6.1pp6.0%below the sector's middle half▼ 6.7pp7.2%below the sector's middle half▲ 1.2pp20.0%within the sector's middle half▲ 12.8pp
Current ratio0.67below the sector's middle half▲ 0.190.74below the sector's middle half▲ 0.070.64below the sector's middle half▼ 0.100.56below the sector's middle half▼ 0.090.80below the sector's middle half▲ 0.24
Return on assets (ROA)5.0%within the sector's middle half▼ 6.4pp5.7%within the sector's middle half▲ 0.7pp-7.7%below the sector's middle half▼ 13.4pp-0.5%below the sector's middle half▲ 7.3pp14.2%above the sector's middle half▲ 14.6pp
Staff (FTE)10.4above the sector's middle half▼ 11.1%7.4within the sector's middle half▼ 28.8%6.5within the sector's middle half▼ 12.2%6within the sector's middle half▼ 7.7%5.7within the sector's middle half▼ 5.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9,858% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €771,570
Fixed assets
€298,342 ▼ 11.5%
Current assets
€473,228 ▲ 61.4%
Equity and liabilities €771,570
Equity
€154,549 ▲ 241%
Debt
€617,021 ▲ 5.4%
Debt's share of the balance-sheet total falls from 92.8% to 80.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€183,326▲
2024 · €90,371
Cash flow
€154,935▲
2024 · €86,023
Quick ratio
0.58▲
2024 · 0.36
Debt to equity
3.99▼
2024 · 12.92
ROE
70.7%▲
2024 · -6.5%
Interest coverage
19.00▲
2024 · 8.67
Debt ≤ 1 year
€591,421▲
2024 · €526,758
Debt > 1 year
€23,659▼
2024 · €52,407
Income taxes
€22,497▲
2024 · €472
Staff costs
€381,909▲
2024 · €334,190
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,818 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.0%
went bankrupt
3.7%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,818 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €195,681 | €5,009 | €4,827 | €7,312 | ▲ 51.5% |
| Remuneration, social security and pensions62 | €394,362 | €362,275 | €342,879 | €334,190 | €381,909 | ▲ 14.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €87,304 | €90,309 | €99,349 | €88,988 | €45,673 | ▼ 48.7% |
| Other operating charges640/8 | €5,389 | €3,487 | €2,525 | €3,426 | €3,622 | ▲ 5.7% |
| Non-recurring operating charges66A | - | - | €7,543 | €575 | €0 | ▼ 100% |
| Gross operating margin9900 | €538,841 | €521,713 | €397,957 | €428,562 | €568,858 | ▲ 32.7% |
| Operating profit (loss)9901 | €51,786 | €65,642 | -€54,339 | €1,382 | €137,653 | ▲ 9,858% |
| Financial income75/76B | €5,668 | €7,530 | €3,891 | €6,553 | €3,754 | ▼ 42.7% |
| Recurring financial income75 | €5,668 | €4,564 | €3,891 | €6,553 | €3,754 | ▼ 42.7% |
| Non-recurring financial income76B | - | €2,967 | €0 | - | - | - |
| Financial charges65/66B | €18,574 | €10,883 | €10,933 | €10,429 | €9,649 | ▼ 7.5% |
| Recurring financial charges65 | €12,480 | €10,883 | €10,933 | €10,429 | €9,649 | ▼ 7.5% |
| Non-recurring financial charges66B | €6,094 | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €38,880 | €62,289 | -€61,381 | -€2,493 | €131,759 | ▲ 5,384% |
| Transfer from deferred taxes780 | €15,499 | €15,499 | €0 | - | - | - |
| Income taxes67/77 | €7,939 | €27,941 | €1,203 | €472 | €22,497 | ▲ 4,664% |
| Profit (loss) for the period9904 | €46,440 | €49,847 | -€62,584 | -€2,966 | €109,262 | ▲ 3,784% |
| Transfer from tax-exempt reserves789 | €30,101 | €30,101 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €76,541 | €79,948 | -€62,584 | -€2,966 | €109,262 | ▲ 3,784% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €926,720 | €876,406 | €807,997 | €630,430 | €771,570 | ▲ 22.4% |
| Fixed assets21/28 | €456,859 | €406,887 | €406,741 | €337,156 | €298,342 | ▼ 11.5% |
| Intangible fixed assets21 | €74,286 | €45,714 | €17,143 | €0 | - | - |
| Tangible fixed assets22/27 | €163,131 | €141,730 | €170,155 | €117,713 | €78,899 | ▼ 33.0% |
| Land and buildings22 | €1,147 | €938 | €776 | €614 | €2,749 | ▲ 348% |
| Plant, machinery and equipment23 | - | - | €3,790 | €2,949 | €2,108 | ▼ 28.5% |
| Furniture and vehicles24 | €5,354 | €4,635 | €7,607 | €5,695 | €6,545 | ▲ 14.9% |
| Leasing and similar rights25 | €58,794 | €77,513 | €134,501 | €95,662 | €56,822 | ▼ 40.6% |
| Other tangible fixed assets26 | €97,836 | €58,644 | €23,481 | €12,793 | €10,674 | ▼ 16.6% |
| Financial fixed assets28 | €219,443 | €219,443 | €219,443 | €219,443 | €219,443 | = |
| Current assets29/58 | €469,861 | €469,519 | €401,257 | €293,275 | €473,228 | ▲ 61.4% |
| Stocks and contracts in progress3 | €119,956 | €100,220 | €79,794 | €102,534 | €129,135 | ▲ 25.9% |
| Stocks30/36 | €119,956 | €100,220 | €79,794 | €102,534 | €129,135 | ▲ 25.9% |
| Amounts receivable within one year40/41 | €64,640 | €79,176 | €123,125 | €72,291 | €122,918 | ▲ 70.0% |
| Trade receivables40 | €1,013 | €10,713 | €9,574 | €18,883 | €8,639 | ▼ 54.3% |
| Other amounts receivable41 | €63,627 | €68,463 | €113,551 | €53,409 | €114,279 | ▲ 114% |
| Current investments50/53 | - | €4,930 | €35,138 | €0 | - | - |
| Cash at bank and in hand54/58 | €281,177 | €279,932 | €150,259 | €107,070 | €215,325 | ▲ 101% |
| Deferred charges and accrued income490/1 | €4,087 | €5,261 | €12,941 | €11,380 | €5,850 | ▼ 48.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €926,720 | €876,406 | €807,997 | €630,430 | €771,570 | ▲ 22.4% |
| Equity10/15 | €60,989 | €110,836 | €48,252 | €45,287 | €154,549 | ▲ 241% |
| Contributions10/11 | €75,000 | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Capital10 | €75,000 | €75,000 | €75,000 | - | - | - |
| Issued capital100 | €75,000 | €75,000 | €75,000 | - | - | - |
| Reserves13 | €235,440 | €205,340 | €205,340 | €205,340 | €205,340 | = |
| Non-distributable reserves130/1 | €7,500 | €7,500 | €7,500 | €0 | - | - |
| Legal reserve130 | €7,500 | €7,500 | €7,500 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0 | - | - |
| Tax-exempt reserves132 | €43,940 | €13,840 | €13,840 | €13,840 | €13,840 | = |
| Distributable reserves133 | €184,000 | €184,000 | €184,000 | €191,500 | €191,500 | = |
| Profit (loss) carried forward14 | -€249,452 | -€169,504 | -€232,088 | -€235,053 | -€125,791 | ▲ 46.5% |
| Provisions and deferred taxes16 | €15,499 | €0 | - | - | - | - |
| Deferred taxes168 | €15,499 | €0 | - | - | - | - |
| Amounts payable17/49 | €850,232 | €765,571 | €759,745 | €585,144 | €617,021 | ▲ 5.4% |
| Amounts payable after more than one year17 | €151,652 | €125,339 | €121,889 | €52,407 | €23,659 | ▼ 54.9% |
| Financial debts170/4 | €151,652 | €125,339 | €121,889 | €52,407 | €23,659 | ▼ 54.9% |
| Amounts payable within one year42/48 | €698,580 | €632,932 | €623,915 | €526,758 | €591,421 | ▲ 12.3% |
| Current portion of amounts payable after more than one year42 | €64,864 | €70,622 | €77,362 | €96,630 | €29,725 | ▼ 69.2% |
| Trade debts44 | €329,564 | €272,758 | €307,852 | €192,526 | €227,902 | ▲ 18.4% |
| Suppliers440/4 | €329,564 | €272,758 | €307,852 | €192,526 | €227,902 | ▲ 18.4% |
| Advances received on contracts in progress46 | €215,506 | €199,483 | €128,241 | €130,388 | €221,528 | ▲ 69.9% |
| Taxes, remuneration and social security45 | €80,318 | €84,131 | €104,522 | €103,201 | €108,253 | ▲ 4.9% |
| Taxes450/3 | €21,291 | €35,181 | €37,434 | €30,132 | €24,366 | ▼ 19.1% |
| Remuneration and social security454/9 | €59,027 | €48,950 | €67,088 | €73,069 | €83,887 | ▲ 14.8% |
| Other amounts payable47/48 | €8,328 | €5,938 | €5,938 | €4,013 | €4,013 | = |
| Accrued charges and deferred income492/3 | - | €7,300 | €13,941 | €5,979 | €1,941 | ▼ 67.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,440 | €49,847 | -€62,584 | -€2,966 | €109,262 | ▲ 3,784% |
| + Depreciation and write-downs630 | €87,304 | €90,309 | €99,349 | €88,988 | €45,673 | ▼ 48.7% |
| Operating cash flow (approximation) | €133,744 | €140,156 | €36,766 | €86,023 | €154,935 | ▲ 80.1% |
| Investment in fixed assets (approximation) | - | -€40,337 | -€99,203 | -€19,403 | -€6,859 | ▲ 64.7% |
| Change in cash | - | -€1,245 | -€129,674 | -€43,189 | €108,255 | ▲ 351% |
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €109,262
Net result €109,262 after 2 loss-making years.
31-12
Financial
Equity above €150,000Eq €154,549 ▲241%
Equity rises from €45,287 to €154,549.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2022
31-12
Financial
Equity above €100,000Eq €110,836 ▲81.7%
4 profitable years in a row build equity to €110,836.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 146 days late
2019
31-12
Financial
Back to profitnet €6,444
Net result €6,444 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Holsbeek · 2 establishment units since 1998
Ground area
4,901 m²
Building footprint
1,194 m²
Volume, LiDAR
6,539 m³
2 parcels, Flanders · tallest building 21.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Langeveld 108, 3220 Holsbeek
since 19982.035.736.624
HEYTENS
since 20172.267.874.450
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514A0090/00P002 | Flanders | 2,899 m² | 1 · 986 m² | 21.3 m · 2 fl. |
| 24043A0124/00M000 | Flanders | 2,002 m² | 1 · 207 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
99.5%
According to the 2025 annual accounts of ANNE - DECOR and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Identification & contact
Identification
Legal formPrivate limited company
Founded29-02-1988
Fiscal year end31-12
Activities, NACEBEL 2025
47530Retail trade
47552Retail sale of lighting equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433488941
Also
9925:BE0433488941
Registered
14-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.