BENOIT DECOCQ
ActiveSummary
BENOIT DECOCQ has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €6k. Equity is growing by ~48.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+19
Solvency45▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.89 in 2024; short-term debt: 67.2% and cash: 5.4% of total assets), and 80.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 21% of 7838 sector peers (2025).
NBB · sector comparisonPosition among 7838 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
23 d early
2023
23 d late
2022
31 d late
2021
34 d early
2020
26 d early
2019
5 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€11k▲ 110%
2024 · €5k
2018: €467
2019: €406▼ -13.1% vs 2018lowest in 8 years
2020: €7k▲ +1721% vs 2019
2021: €4k▼ -45.2% vs 2020
2022: €11k▲ +161% vs 2021
2023: €5k▼ -53.2% vs 2022
2024: €5k▲ +4.8% vs 2023
2025: €11k▲ +110% vs 2024highest in 8 years
2018 → 2025
Total assets
€55k▼ 30.1%
2024 · €78k
2018: €32klowest in 8 years
2019: €34k▲ +7.1% vs 2018
2020: €38k▲ +13.4% vs 2019
2021: €35k▼ -9.0% vs 2020
2022: €71k▲ +103% vs 2021
2023: €69k▼ -3.3% vs 2022
2024: €78k▲ +14.0% vs 2023highest in 8 years
2025: €55k▼ -30.1% vs 2024
2018 → 2025
Net result
€6k▲ 2,325%
2024 · €236
2018: €-10klowest in 8 years
2019: €-61▲ +99.4% vs 2018
2020: €7k▲ +11557% vs 2019highest in 8 years
2021: €-3k▼ -148% vs 2020
2022: €7k▲ +295% vs 2021
2023: €-6k▼ -186% vs 2022
2024: €236▲ +104% vs 2023
2025: €6k▲ +2325% vs 2024
2018 → 2025
Working capital
€-1k▲ 81.0%
2024 · €-7k
2018: €-2k
2019: €-5k▼ -135% vs 2018
2020: €3k▲ +165% vs 2019highest in 8 years
2021: €-100▼ -103% vs 2020
2022: €-3k▼ -3252% vs 2021
2023: €-7k▼ -113% vs 2022lowest in 8 years
2024: €-7k▲ +7.3% vs 2023
2025: €-1k▲ +81.0% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€11k▲ 161%€5k▼ 53.2%€5k▲ 4.8%€11k▲ 110%
2021: €4klowest in 5 years
2022: €11k▲ +161% vs 2021
2023: €5k▼ -53.2% vs 2022
2024: €5k▲ +4.8% vs 2023
2025: €11k▲ +110% vs 2024highest in 5 years
Operating result€-620-€10k€-2k€8k€12k▲ 45.5%
2021: €-620
2022: €10k▲ +1784% vs 2021
2023: €-2k▼ -121% vs 2022lowest in 5 years
2024: €8k▲ +487% vs 2023
2025: €12k▲ +45.5% vs 2024highest in 5 years
Net result€-3k-€7k€-6k€236€6k▲ 2,325%
2021: €-3k
2022: €7k▲ +295% vs 2021highest in 5 years
2023: €-6k▼ -186% vs 2022lowest in 5 years
2024: €236▲ +104% vs 2023
2025: €6k▲ +2325% vs 2024
Turnover and EBIT margin not published: the abbreviated or 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 45% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€19k ▼ 26.4%
Current assets
€36k ▼ 32.0%
Equity and liabilities €55k
Equity
€11k ▲ 110%
Debt
€44k ▼ 40.1%
Debt's share of the balance-sheet total falls from 93.4% to 80.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2024 · €17k
Cash flow
€15k▲
2024 · €9k
Current ratio
0.97▲
2024 · 0.89
Debt to equity
4.02▼
2024 · 14.12
ROE
52.5%▲
2024 · 4.6%
ROA
10.5%▲
2024 · 0.3%
Interest coverage
11.77▲
2024 · 5.32
Debt ≤ 1 year
€37k▼
2024 · €59k
Debt > 1 year
€7k▼
2024 · €14k
Income taxes
€5k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€78k€55k▼
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€25k€18k▼
Furniture and vehicles24€25k€18k▼
Financial fixed assets28€1k€1k=
Current assets29/58€52k€36k▼
Amounts receivable within one year40/41€49k€32k▼
Trade receivables40€49k€32k▼
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€2k€151▼
Equity and liabilities
Total equity and liabilities10/49€78k€55k▼
Equity10/15€5k€11k▲
Contributions10/11€12k€12k=
Capital10€12k€12k=
Issued capital100€19k€19k=
Uncalled capital101€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-9k€-3k▲
Amounts payable17/49€73k€44k▼
Amounts payable after more than one year17€14k€7k▼
Financial debts170/4€14k€7k▼
Amounts payable within one year42/48€59k€37k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€42k€20k▼
Suppliers440/4€42k€20k▼
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Accrued charges and deferred income492/3€32€87▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€549€2k▲
Gross operating margin9900€17k€23k▲
Operating profit (loss)9901€8k€12k▲
Financial income75/76B€3€1▼
Recurring financial income75€3€1▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€5k€10k▲
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€236€6k▲
Profit (loss) for the period to be appropriated9905€236€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-3k▲
Profit (loss) brought forward from the previous period14P€-9k€-9k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €2k | €9k | €9k | €9k | ▲ 4.3% |
| Other operating charges640/8 | €101 | - | €165 | €549 | €2k | ▲ 194% |
| Gross operating margin9900 | €7k | €13k | €7k | €17k | €23k | ▲ 30.0% |
| Operating profit (loss)9901 | €-620 | €10k | €-2k | €8k | €12k | ▲ 45.5% |
| Financial income75/76B | €5 | €23 | €1 | €3 | €1 | ▼ 66.7% |
| Recurring financial income75 | €5 | €23 | €1 | €3 | €1 | ▼ 66.7% |
| Financial charges65/66B | €2k | €761 | €2k | €3k | €2k | ▼ 43.7% |
| Recurring financial charges65 | €2k | €761 | €2k | €3k | €2k | ▼ 43.7% |
| Profit (loss) for the period before taxes9903 | €-2k | €10k | €-4k | €5k | €10k | ▲ 100% |
| Income taxes67/77 | €1k | €3k | €1k | €5k | €5k | ▼ 6.7% |
| Profit (loss) for the period9904 | €-3k | €7k | €-6k | €236 | €6k | ▲ 2,325% |
| Profit (loss) for the period to be appropriated9905 | €-3k | €7k | €-6k | €236 | €6k | ▲ 2,325% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €35k | €71k | €69k | €78k | €55k | ▼ 30.1% |
| Fixed assets21/28 | €8k | €42k | €33k | €26k | €19k | ▼ 26.4% |
| Intangible fixed assets21 | €1k | - | - | - | - | - |
| Tangible fixed assets22/27 | €7k | €41k | €32k | €25k | €18k | ▼ 27.8% |
| Furniture and vehicles24 | €7k | €41k | €32k | €25k | €18k | ▼ 27.8% |
| Financial fixed assets28 | - | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €27k | €29k | €35k | €52k | €36k | ▼ 32.0% |
| Amounts receivable within one year40/41 | €16k | €24k | €32k | €49k | €32k | ▼ 33.7% |
| Trade receivables40 | €15k | €24k | €31k | €49k | €32k | ▼ 33.7% |
| Other amounts receivable41 | €843 | - | €923 | - | - | - |
| Cash at bank and in hand54/58 | €11k | €6k | €2k | €2k | €3k | ▲ 74.7% |
| Deferred charges and accrued income490/1 | - | - | €1k | €2k | €151 | ▼ 90.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €35k | €71k | €69k | €78k | €55k | ▼ 30.1% |
| Equity10/15 | €4k | €11k | €5k | €5k | €11k | ▲ 110% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Capital10 | €12k | €12k | €12k | €12k | €12k | = |
| Issued capital100 | €19k | €19k | €19k | €19k | €19k | = |
| Uncalled capital101 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-10k | €-4k | €-9k | €-9k | €-3k | ▲ 63.1% |
| Amounts payable17/49 | €31k | €61k | €64k | €73k | €44k | ▼ 40.1% |
| Amounts payable after more than one year17 | €4k | €28k | €21k | €14k | €7k | ▼ 51.1% |
| Financial debts170/4 | €4k | €28k | €21k | €14k | €7k | ▼ 51.1% |
| Amounts payable within one year42/48 | €27k | €33k | €42k | €59k | €37k | ▼ 37.5% |
| Current portion of amounts payable after more than one year42 | €6k | €11k | €7k | €7k | €7k | ▲ 4.4% |
| Trade debts44 | €13k | €12k | €30k | €42k | €20k | ▼ 50.8% |
| Suppliers440/4 | €13k | €12k | €30k | €42k | €20k | ▼ 50.8% |
| Taxes, remuneration and social security45 | €8k | €8k | €6k | €10k | €9k | ▼ 11.8% |
| Taxes450/3 | €8k | €8k | €6k | €10k | €9k | ▼ 11.8% |
| Other amounts payable47/48 | - | €2k | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €32 | €87 | ▲ 172% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-3k | €7k | €-6k | €236 | €6k | ▲ 2,325% |
| + Depreciation and write-downs630 | €8k | €2k | €9k | €9k | €9k | ▲ 4.3% |
| Operating cash flow (approximation) | €4k | €9k | €3k | €9k | €15k | ▲ 66.9% |
| Investment in fixed assets (approximation) | - | €-36k | €0 | €-1k | €-2k | ▼ 58.6% |
| Change in cash | - | €-5k | €-4k | €-240 | €1k | ▲ 623% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €236
Net result €236 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
07-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 160 days late
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 144 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Blégny · 1 establishment unit since 2014
Ground area
489 m²
Building footprint
68 m²
Volume, LiDAR
458 m³
Parcel 62103B0871/00C004, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Remi Labeye 2, 4670 Blégny
since 20142.236.799.808
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62103B0871/00C004 | Wallonia | 489 m² | 1 · 68 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,454 companies in sector 43120 we hold annual accounts for 3,231. 1,549 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-11-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
41001General construction of residential buildings
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
73200Market research and public opinion polling
Scores and ratios are computed by Checked and are not a credit decision.