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ART & DECOR HOME

Active
Private limited companyfounded 2020active for 5 yearsBergensesteenweg 421, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0759.793.575

From the official registers: KBO 5 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of ART & DECOR HOME is 9.5% (elevated). The 2025 annual accounts show equity of €30,508 and a net result of -€10,683. Equity has been growing by about 7.4% per year since 2021. Its solvency ranks better than 35% of 9,380 sector peers (NACE 41, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.

Overview

Official details

KBO
Status
Active since 15-12-2020 Normal situation
Registered office
293 active companies are registered at this address 38 started in the 12 months before. Source: KBO register, as of 1 November 2026.
Activity
General construction of residential buildings NACE 41001and 4 others
Establishment unit
2.315.189.466 1651 Beersel, since 15-12-2020
Financial year end
31 December
Peppol
Reachable since 13-12-2025

Board and ownership

Board
  • KUTESZKO ArturDirector · since 15-12-2020

Financial position

31 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
9.5%
Annual accounts 2025
Gross margin
€6,907
▼ 86.1%
Turnover
≈ €83,000
estimated
Loss
€10,683
Equity
€30,508
▼ 25.9%
Total assets
€106,142
▼ 47.3%
Filed on 24-10-2026, 85 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 85 days late; 2 of the last 3 accounts lateSector: Construction of residential and non-residential buildings (NACE 41)Ex-officio strike-off in the KBOFounded in 2020Show the evidence

Checked score

Score 2025
31 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 23% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Weak
Solvency 54+9
equity 28.7% of total assets
Liquidity 26+6
short-term debt 50.0% · cash 1.0%
Profitability 29-51
return on assets -10.1%
Bankruptcy probability within 12 months
9.5% Elevated
0%0.5%1.5%4%10%≥ 25%

About 1 in 10 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,451 companies, NACE 41, micro)
Last 24 months 11-2024: 17.4% 12-2024: 18.4%▲ +1.0 percentage point vs 11-2024 01-2025: 22.3%▲ +3.9 percentage points vs 12-2024 02-2025: 22.3%● unchanged vs 01-2025 03-2025: 22.5%▲ +0.2 percentage points vs 02-2025highest value 04-2025: 21.3%▼ -1.2 percentage points vs 03-2025 05-2025: 21.3%● unchanged vs 04-2025 06-2025: 21.0%▼ -0.3 percentage points vs 05-2025 07-2025: 21.0%● unchanged vs 06-2025 08-2025: 11.6%▼ -9.4 percentage points vs 07-2025 09-2025: 11.6%● unchanged vs 08-2025 10-2025: 11.6%● unchanged vs 09-2025 11-2025: 11.4%▼ -0.2 percentage points vs 10-2025 12-2025: 11.8%▲ +0.4 percentage points vs 11-2025 01-2026: 11.6%▼ -0.2 percentage points vs 12-2025 02-2026: 11.6%● unchanged vs 01-2026 03-2026: 10.3%▼ -1.3 percentage points vs 02-2026 04-2026: 10.6%▲ +0.3 percentage points vs 03-2026 05-2026: 12.4%▲ +1.8 percentage points vs 04-2026 06-2026: 8.0%▼ -4.4 percentage points vs 05-2026 07-2026: 7.9%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 8.6%▲ +0.7 percentage points vs 07-2026 09-2026: 8.7%▲ +0.1 percentage points vs 08-2026 10-2026: 9.5%▲ +0.8 percentage points vs 09-2026
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.26 (1.16 in 2024), below the usual 1.5. Short-term debt is 50% and cash 1% of total assets. 71.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 36% of them on solvency, 21% on liquidity, 19% on profitability and 17% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
raises risk
raises risk · Last filed accounts filed 85 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Ex-officio strike-off in the KBO
KBO publications
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 85 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-10-2026, 85 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
85 days late
2024
3 days early
2023
358 days late
2022
60 days late
2021
5 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 99 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Address struck
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 September (4 of the last 5 accounts filed within 65 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline

Key points

  • Caution: Lower net result than 86% of companies in construction of buildingssector median €8,543 · 9,370 companies -€10,683 View

Comparable companies

These companies have the same main activity as ART & DECOR HOME: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €89,400 and €113,000, founded between 2020 and 2021.

CompanyTotal assetsGross margin
ART & DECOR HOME Sint-Pieters-Leeuw€106,142€6,907
TMA Renov Grimbergen€98,895€8,557
PINU Ninove€104,882€6,828
Bru Co Creation Jette€113,417€6,313
Kwis Houthalen-Helchteren€96,844€5,322
ARR GROUP Antwerpen€89,385€6,661
A.G. CONCEPT RENOVATION Ukkel€90,383€8,593
Full comparison

Documents

Annual accounts at the NBB

All 5 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about ART & DECOR HOME

What is the company number of ART & DECOR HOME?
The company number of ART & DECOR HOME is 0759.793.575. The VAT number is the same number with BE in front: BE 0759.793.575.
Where is ART & DECOR HOME based?
The registered office is at Bergensesteenweg 421, 1600 Sint-Pieters-Leeuw.Company details
What does ART & DECOR HOME do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of ART & DECOR HOME?
The legal form of ART & DECOR HOME is Private limited company (BV).
When was ART & DECOR HOME founded?
ART & DECOR HOME was founded on 15-12-2020.
Is ART & DECOR HOME still active?
Yes, ART & DECOR HOME is an active enterprise in the KBO register.
What is the turnover of ART & DECOR HOME?
The turnover in financial year 2025 is ≈ €83,000. This figure is estimated from the gross margin of €6,907 and 268 comparable companies (NACE 41001). It probably lies between €43,000 and €150,000. It is a rough estimate.Financials
Is ART & DECOR HOME profitable?
In financial year 2025, ART & DECOR HOME made a loss of €10,683.
Where can I find the annual accounts of ART & DECOR HOME?
ART & DECOR HOME filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of ART & DECOR HOME due?
ART & DECOR HOME must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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