BEL DECOR
ActiveThe computed 12-month bankruptcy probability of BEL DECOR is 1.7% (moderate). The 2025 annual accounts show equity of €83k and a net result of €17k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 27446 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
90
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▼-1
Growth72=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 3.46 in 2024), and 36.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
58 d late
2021
3 d late
2020
13 d late
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€379k=
2020 · €379k
2019: €324k
2020: €379k
2019 → 2021
EBIT margin
1.3%▼ 2.4pp
2020 · 3.7%
2019: 5.5%
2020: 3.7%
2019 → 2021
Net result
€17k▼ 19.2%
2024 · €21k
2019: €13k
2020: €9k
2021: €2k
2022: €4k
2023: €2k
2024: €21k
2019 → 2025
Working capital
€82k▼ 17.5%
2024 · €99k
2019: €41k
2020: €58k
2021: €61k
2022: €68k
2023: €71k
2024: €99k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€379k-
Equity€71k-€76k▲ 6.1%€78k▲ 2.5%€98k▲ 26.8%€83k▼ 15.4%
Operating result€5k-€9k▲ 83.8%€4k▼ 59.0%€26k▲ 600%€22k▼ 15.0%
Net result€2k-€4k▲ 76.4%€2k▼ 56.8%€21k▲ 1,004%€17k▼ 19.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€1k▼ 59.7%
Current assets
€129k▼ 7.6%
Equity and liabilities €130k
Equity
€83k▼ 15.4%
Provisions
€0▼ 100%
Debt
€47k▲ 16.8%
The debt ratio rises from 28.3% to 36.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€25k▼
2024 · €34k
Cash flow
€20k▼
2024 · €29k
Solvency
63.9%▼
2024 · 68.9%
Current ratio
2.74▼
2024 · 3.46
Quick ratio
2.74▼
2024 · 3.46
Debt / equity
0.57▲
2024 · 0.41
ROE
20.2%▼
2024 · 21.2%
ROA
12.9%▼
2024 · 14.6%
Interest coverage
480.98
Debt
€47k▲
2024 · €40k
Debt ≤ 1 year
€47k▲
2024 · €40k
Income taxes
€5k=
2024 · €5k
Staff costs
€311
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€143k€130k▼
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€140k€129k▼
Amounts receivable within one year40/41€98k€127k▲
Trade receivables40€36k€43k▲
Other amounts receivable41€61k€84k▲
Cash at bank and in hand54/58€42k€2k▼
Equity and liabilities
Total equity and liabilities10/49€143k€130k▼
Equity10/15€98k€83k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€78k€63k▼
Provisions and deferred taxes16€4k-
Provisions for liabilities and charges160/5€4k-
Environmental obligations163€4k-
Amounts payable17/49€40k€47k▲
Amounts payable within one year42/48€40k€47k▲
Trade debts44€18k€7k▼
Suppliers440/4€18k€7k▼
Taxes, remuneration and social security45€22k€8k▼
Taxes450/3€8k€8k▲
Remuneration and social security454/9€14k-
Other amounts payable47/48-€32k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€431k€355k▼
Remuneration, social security and pensions62-€311
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€3k▼
Other operating charges640/8€984€887▼
Gross operating margin9900€35k€27k▼
Operating profit (loss)9901€26k€22k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B-€53
Recurring financial charges65-€53
Profit (loss) for the period before taxes9903€26k€22k▼
Income taxes67/77€5k€5k=
Profit (loss) for the period9904€21k€17k▼
Profit (loss) for the period to be appropriated9905€21k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€95k▲
Profit (loss) brought forward from the previous period14P€57k€78k▲
Profit to be distributed694/7-€32k
Directors or managers695-€32k
The notes to these accounts (5 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €21k ▲1004%
Operating result €26k, net result €21k, both a record.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Weakest financial yearnet €2k ▼56.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 58 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 13 days late
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
28-09
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
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, Anderlecht · 1 establishment unit since 2013
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.
Brogniezstraat 1631070 AnderlechtGround area
187 m²
Building footprint
172 m²
Volume, LiDAR
2,234 m³
2 parcels, Brussels · tallest building 19.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Auguste Gevaertstraat 42, 1070 Anderlecht
since 20132.223.478.342
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0241/00S011 | Brussels | 116 m² | 1 · 104 m² | 16.5 m · 4 fl. |
| 21305B0258/00M009 | Brussels | 71 m² | 1 · 67 m² | 19.5 m · 6 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
DOM.CONSTRUCT
BE 0685.817.912
Brussel · Eq €83k
IMI GROUP
BE 0563.373.129
Etterbeek · Eq €83k
THELIFT
BE 1002.082.254
Wetteren · Eq €84k
VANDER HOEVEN
BE 0432.578.527
Dendermonde · Eq €83k
EAGLE BROTHERS
BE 0782.795.245
Machelen (Brab.) · Eq €84k
Of 4,063 companies in sector 43240 we hold annual accounts for 1,614. 1,359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2013
Fiscal year end31-03
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.