B.M. DECOR - INTER
ActiveB.M. DECOR - INTER has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €210. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 12% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency30▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-01-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
23 d early
2023
40 d early
2022
100 d early
2021
2 d late
2020
2 d early
2019
90 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€210▼ 74.0%
2024 · €809
2018: €5k
2019: €557
2020: €267
2021: €-4k
2022: €2k
2023: €3k
2024: €809
2018 → 2025
Working capital
€3k
2024 · €-35k
2018: €-12k
2019: €-11k
2020: €-21k
2021: €-23k
2022: €-9k
2023: €-31k
2024: €-35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€4k▲ 132%€6k▲ 75.3%€7k▲ 13.0%€7k▲ 3.0%
Operating result€2k-€7k▲ 295%€8k▲ 9.4%€6k▼ 29.6%€4k▼ 32.6%
Net result€-4k-€2k€3k▲ 32.3%€809▼ 69.8%€210▼ 74.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€89k▼ 13.2%
Current assets
€54k▲ 0.4%
Equity and liabilities €143k
Equity
€7k▲ 3.0%
Debt
€136k▼ 9.1%
The debt ratio falls from 95.5% to 94.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €28k
Cash flow
€20k▼
2024 · €24k
Solvency
5.1%▲
2024 · 4.5%
Current ratio
1.06▲
2024 · 0.60
Quick ratio
1.06▲
2024 · 0.60
Debt / equity
18.75▼
2024 · 21.24
ROE
2.9%▼
2024 · 11.5%
ROA
0.1%▼
2024 · 0.5%
Interest coverage
13.72▲
2024 · 11.97
Debt
€136k▼
2024 · €150k
Debt ≤ 1 year
€51k▼
2024 · €89k
Debt > 1 year
€84k▲
2024 · €61k
Income taxes
€2k▼
2024 · €2k
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€157k€143k▼
Fixed assets21/28€103k€89k▼
Tangible fixed assets22/27€102k€88k▼
Land and buildings22€68k€55k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€3k€7k▲
Other tangible fixed assets26€25k€21k▼
Financial fixed assets28€1k€1k=
Current assets29/58€54k€54k▲
Amounts receivable within one year40/41€19k€49k▲
Trade receivables40€14k€39k▲
Other amounts receivable41€5k€10k▲
Cash at bank and in hand54/58€31k€23▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€157k€143k▼
Equity10/15€7k€7k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-13k€-13k▲
Amounts payable17/49€150k€136k▼
Amounts payable after more than one year17€61k€84k▲
Financial debts170/4€61k€84k▲
Amounts payable within one year42/48€89k€51k▼
Current portion of amounts payable after more than one year42€13k€10k▼
Financial debts43€2k€4k▲
Credit institutions430/8€2k€4k▲
Trade debts44€29k€27k▼
Suppliers440/4€29k€27k▼
Advances received on contracts in progress46€42k€6k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9-€2k
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€29k€27k▼
Operating profit (loss)9901€6k€4k▼
Financial income75/76B-€57
Recurring financial income75-€57
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€3k€2k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€809€210▼
Profit (loss) for the period to be appropriated9905€809€210▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-13k▲
Profit (loss) brought forward from the previous period14P€-14k€-13k▲
The notes to these accounts (10 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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
30-09
Financial
Weakest financial yearnet €-4k ▼1508%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Evere · 1 establishment unit since 1997
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.
Jaak Ballingsstraat 41140 EvereGround area
425 m²
Building footprint
244 m²
Volume, LiDAR
1,929 m³
2 parcels, Brussels · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B.M. DECOR-INTER
since 19972.083.863.371
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0427/00C006 | Brussels | 334 m² | 1 · 168 m² | 10.3 m · 2 fl. |
| 21006A0392/00R002 | Brussels | 92 m² | 1 · 76 m² | 13.6 m · 4 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
Bureau La Marmotte
BE 0790.193.870
Brakel · Eq €7k
Jean-Charles ROUFOSSE
BE 0781.341.532
Stavelot · Eq €7k
FALKE DECLEER
BE 0774.749.193
Brasschaat · Eq €7k
MAVA CONSTRUCT
BE 0766.985.235
Aartselaar · Eq €7k
De Vil Interior
BE 1010.450.285
Brasschaat · Eq €7k
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 682 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-1997
Fiscal year end30-09
Activities, NACEBEL
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.