B&L DECO
ActiveThe computed 12-month bankruptcy probability of B&L DECO is 2.2% (moderate). The 2025 annual accounts show equity of €23k and a net result of €6k. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 50% of 7415 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-6
Solvency68▼-8
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.61 in 2024; short-term debt: 56.8% and cash: 14.5% of total assets), but 56.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 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
43.2%
Return on assets
10.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
160 d late
2023
40 d late
2022
32 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 32.7%
2024 · €18k
2022: €12k
2023: €12k
2024: €18k
2022 → 2025
Total assets
€54k▲ 55.8%
2024 · €35k
2022: €19k
2023: €20k
2024: €35k
2022 → 2025
Net result
€6k▲ 8.7%
2024 · €5k
2022: €9k
2023: €-210
2024: €5k
2022 → 2025
Working capital
€18k▲ 76.3%
2024 · €10k
2022: €12k
2023: €11k
2024: €10k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€12k▼ 1.7%€18k▲ 43.0%€23k▲ 32.7%
Operating result€12k-€750▼ 93.7%€8k▲ 982%€9k▲ 15.8%
Net result€9k-€-210€5k€6k▲ 8.7%
Turnover and EBIT margin not published: the micro 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 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€5k▼ 29.9%
Current assets
€49k▲ 78.3%
Equity and liabilities €54k
Equity
€23k▲ 32.7%
Debt
€31k▲ 79.5%
The debt ratio rises from 49.3% to 56.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €10k
Cash flow
€8k▲
2024 · €7k
Solvency
43.2%▼
2024 · 50.7%
Current ratio
1.59▼
2024 · 1.61
Quick ratio
1.59▼
2024 · 1.61
Debt / equity
1.32▲
2024 · 0.97
ROE
24.6%▼
2024 · 30.0%
ROA
10.6%▼
2024 · 15.2%
Interest coverage
30.56▼
2024 · 51.93
Debt
€31k▲
2024 · €17k
Debt ≤ 1 year
€31k▲
2024 · €17k
Income taxes
€3k▲
2024 · €3k
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€35k€54k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€7k€5k▼
Current assets29/58€27k€49k▲
Amounts receivable within one year40/41€23k€40k▲
Trade receivables40€22k€33k▲
Other amounts receivable41€977€8k▲
Cash at bank and in hand54/58€3k€8k▲
Deferred charges and accrued income490/1€2k€691▼
Equity and liabilities
Total equity and liabilities10/49€35k€54k▲
Equity10/15€18k€23k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€15k€20k▲
Amounts payable17/49€17k€31k▲
Amounts payable within one year42/48€17k€31k▲
Trade debts44€387€10k▲
Suppliers440/4€387€10k▲
Advances received on contracts in progress46€14k€14k=
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€33-
Other amounts payable47/48€283-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€12k€14k▲
Operating profit (loss)9901€8k€9k▲
Financial income75/76B€140€1▼
Recurring financial income75€140€1▼
Financial charges65/66B€193€378▲
Recurring financial charges65€193€378▲
Profit (loss) for the period before taxes9903€8k€9k▲
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€5k€6k▲
Profit (loss) for the period to be appropriated9905€5k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€20k▲
Profit (loss) brought forward from the previous period14P€9k€15k▲
The notes to these accounts (4 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 160 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-12
Financial
Weakest financial yearnet €-210 ▼102%
Net result drops to €-210, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
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, Sint-Genesius-Rode · 1 establishment unit since 2022
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.
Waterloose Steenweg 2001640 Sint-Genesius-RodeGround area
7,413 m²
Building footprint
1,556 m²
Volume, LiDAR
17,969 m³
2 parcels, Brussels, Flanders · tallest building 23.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Provooststraat 89, 1050 Elsene
since 20222.337.422.757
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0048/00Z025 | Flanders | 7,308 m² | 1 · 1,453 m² | 23.0 m · 4 fl. |
| 21447B0305/00G029 | Brussels | 105 m² | 1 · 103 m² | 16.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
LGE Construct
BE 0704.616.314
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3211 BE
BE 0769.795.958
Zaventem · Eq €23k
DEMEKO
BE 0834.045.689
Aalst · Eq €23k
IZA CONSTRUCT
BE 0803.818.214
Grimbergen · Eq €23k
PEREIRA CONSTRUCT
BE 1020.862.741
Sint-Pieters-Leeuw · Eq €23k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 11,902 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.