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BERMA - DECOR

Active
Public limited companyfounded 197748 yrs activeJoseph Cardijnstraat 33, 9420 Erpe-Mere, BelgiumKBO/BCE: BE 0417.806.912
Summary

BERMA - DECOR has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.26M and a net result of €-36k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 73% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability36▼-28
Solvency91▼-1
Growth43▼-17
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €350k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.71 in 2024; short-term debt: 29.6% and cash: 2.5% of total assets), and 33.5% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 48 years 0 50 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
66.5%
Return on assets
-0.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
7 d early
2024
13 d early
2023
34 d early
2022
6 d early
2021
59 d late
2020
72 d late
2019
28 d early
← 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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover
€11.09M▼ 3.5%
2024 · €11.49M
2018: €13.40M 2019: €13.86M▲ +3.4% vs 2018 2020: €13.69M▼ -1.2% vs 2019 2021: €15.55M▲ +13.6% vs 2020highest in 8 years 2022: €15.44M▼ -0.7% vs 2021 2023: €13.34M▼ -13.6% vs 2022 2024: €11.49M▼ -13.9% vs 2023 2025: €11.09M▼ -3.5% vs 2024lowest in 8 years
2018 → 2025
EBIT margin
-2.2%▼ 4.5pp
2024 · 2.3%
2018: -2.3%lowest in 8 years 2019: -2.1%▲ +8.4% vs 2018 2020: 3.2%▲ +252% vs 2019 2021: 0.0%▼ -100% vs 2020 2022: 5.7%▲ +42831% vs 2021highest in 8 years 2023: 3.9%▼ -31.2% vs 2022 2024: 2.3%▼ -39.6% vs 2023 2025: -2.2%▼ -194% vs 2024
2018 → 2025
Net result
€-36k
2024 · €262k
2018: €-34k 2019: €-86k▼ -155% vs 2018lowest in 8 years 2020: €405k▲ +572% vs 2019 2021: €310k▼ -23.4% vs 2020 2022: €844k▲ +172% vs 2021highest in 8 years 2023: €550k▼ -34.8% vs 2022 2024: €262k▼ -52.4% vs 2023 2025: €-36k▼ -114% vs 2024
2018 → 2025
Working capital
€1.86M▲ 21.2%
2024 · €1.54M
2018: €1.08M 2019: €864k▼ -20.1% vs 2018 2020: €1.11M▲ +28.7% vs 2019 2021: €348k▼ -68.7% vs 2020lowest in 8 years 2022: €1.21M▲ +247% vs 2021 2023: €904k▼ -25.3% vs 2022 2024: €1.54M▲ +70.1% vs 2023 2025: €1.86M▲ +21.2% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€15.55M-€15.44M▼ 0.7%€13.34M▼ 13.6%€11.49M▼ 13.9%€11.09M▼ 3.5% 2021: €15.55Mhighest in 5 years 2022: €15.44M▼ -0.7% vs 2021 2023: €13.34M▼ -13.6% vs 2022 2024: €11.49M▼ -13.9% vs 2023 2025: €11.09M▼ -3.5% vs 2024lowest in 5 years
Equity€4.64M-€5.48M▲ 18.2%€5.03M▼ 8.2%€5.29M▲ 5.2%€5.26M▼ 0.7% 2021: €4.64Mlowest in 5 years 2022: €5.48M▲ +18.2% vs 2021highest in 5 years 2023: €5.03M▼ -8.2% vs 2022 2024: €5.29M▲ +5.2% vs 2023 2025: €5.26M▼ -0.7% vs 2024
Operating result€-2k-€874k€519k▼ 40.6%€270k▼ 48.0%€-244k 2021: €-2k 2022: €874k▲ +42518% vs 2021highest in 5 years 2023: €519k▼ -40.6% vs 2022 2024: €270k▼ -48.0% vs 2023 2025: €-244k▼ -190% vs 2024lowest in 5 years
Net result€310k-€844k▲ 172%€550k▼ 34.8%€262k▼ 52.4%€-36k 2021: €310k 2022: €844k▲ +172% vs 2021highest in 5 years 2023: €550k▼ -34.8% vs 2022 2024: €262k▼ -52.4% vs 2023 2025: €-36k▼ -114% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
€-500k€0€500k€1.00MOperating result 2021: €-2k€-2kNet result 2021: €310k€310kOperating result 2022: €874k€874kNet result 2022: €844k€844kOperating result 2023: €519k€519kNet result 2023: €550k€550kOperating result 2024: €270k€270kNet result 2024: €262k€262kOperating result 2025: €-244k€-244kNet result 2025: €-36k€-36k20212022202320242025€-400k€-200k€0€200k€400k€600kOperating result 2023: €519k€519kNet result 2023: €550k€550kOperating result 2024: €270k€270kNet result 2024: €262k€262kOperating result 2025: €-244k€-244kNet result 2025: €-36k€-36k202320242025
The operating result turns negative in 2025: a loss of €244k after €270k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.91M
Fixed assets €3.71M ▼ 11.6%
Current assets €4.20M ▲ 13.7%
Equity and liabilities €7.91M
Equity €5.26M ▼ 0.7%
Provisions €181k ▼ 8.2%
Debt €2.47M ▲ 3.1%
Debt's share of the balance-sheet total rises from 30.4% to 31.2%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€242k▼
2024 · €748k
Cash flow
€449k▼
2024 · €740k
Current ratio
1.80▲
2024 · 1.71
Quick ratio
0.86▲
2024 · 0.70
Debt to equity
0.47▲
2024 · 0.45
ROE
-0.7%▼
2024 · 4.9%
ROA
-0.5%▼
2024 · 3.3%
Interest coverage
2.53▼
2024 · 12.46
Debt ≤ 1 year
€2.34M▲
2024 · €2.16M
Debt > 1 year
€130k▼
2024 · €237k
Income taxes
€26k▼
2024 · €130k
Staff costs
€1.52M▼
2024 · €1.54M
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 · 82 lines
Balance sheet Code20242025
Assets
Total assets20/58€7.89M€7.91M▲
Fixed assets21/28€4.19M€3.71M▼
Tangible fixed assets22/27€4.19M€3.71M▼
Land and buildings22€3.37M€3.13M▼
Plant, machinery and equipment23€303k€253k▼
Furniture and vehicles24€515k€317k▼
Financial fixed assets28€585€585=
Other financial fixed assets284/8€585€585=
Amounts receivable and cash guarantees285/8€585€585=
Current assets29/58€3.70M€4.20M▲
Stocks and contracts in progress3€2.18M€2.18M▲
Stocks30/36€2.18M€2.18M▲
Goods purchased for resale34€2.18M€2.18M▲
Amounts receivable within one year40/41€1.10M€1.81M▲
Trade receivables40€952k€971k▲
Other amounts receivable41€149k€839k▲
Cash at bank and in hand54/58€340k€195k▼
Deferred charges and accrued income490/1€76k€15k▼
Equity and liabilities
Total equity and liabilities10/49€7.89M€7.91M▲
Equity10/15€5.29M€5.26M▼
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€574k€542k▼
Non-distributable reserves130/1€11k€11k=
Legal reserve130€7k€7k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€389k€357k▼
Distributable reserves133€174k€174k=
Profit (loss) carried forward14€4.65M€4.64M▼
Provisions and deferred taxes16€197k€181k▼
Deferred taxes168€197k€181k▼
Amounts payable17/49€2.40M€2.47M▲
Amounts payable after more than one year17€237k€130k▼
Financial debts170/4€237k€130k▼
Credit institutions173€237k€130k▼
Amounts payable within one year42/48€2.16M€2.34M▲
Current portion of amounts payable after more than one year42€110k€105k▼
Financial debts43€1.55M€1.53M▼
Credit institutions430/8€1.55M€1.53M▼
Trade debts44€191k€419k▲
Suppliers440/4€191k€419k▲
Advances received on contracts in progress46€16k€23k▲
Taxes, remuneration and social security45€281k€243k▼
Taxes450/3€105k€60k▼
Remuneration and social security454/9€176k€183k▲
Other amounts payable47/48€10k€15k▲
Accrued charges and deferred income492/3€148€151▲
Income statement Code20242025
Operating income70/76A€11.57M€11.17M▼
Turnover70€11.49M€11.09M▼
Other operating income74€79k€82k▲
Non-recurring operating income76A€30-
Operating charges60/66A€11.30M€11.41M▲
Goods for resale, raw materials and consumables60€7.80M€7.88M▲
Purchases600/8€7.45M€7.91M▲
Change in stocks: decrease (increase)609€349k€-26k▼
Services and other goods61€1.39M€1.44M▲
Remuneration, social security and pensions62€1.54M€1.52M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€478k€485k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€28k▲
Other operating charges640/8€69k€63k▼
Non-recurring operating charges66A€34k-
Operating profit (loss)9901€270k€-244k▼
Financial income75/76B€372k€469k▲
Recurring financial income75€372k€469k▲
Income from current assets751€5k€11k▲
Other financial income752/9€367k€458k▲
Financial charges65/66B€266k€252k▼
Recurring financial charges65€266k€252k▼
Debt charges650€60k€95k▲
Other financial charges652/9€206k€156k▼
Profit (loss) for the period before taxes9903€375k€-26k▼
Transfer from deferred taxes780€16k€16k=
Income taxes67/77€130k€26k▼
Taxes670/3€130k€26k▼
Tax adjustments and reversals of tax provisions77€1-
Profit (loss) for the period9904€262k€-36k▼
Transfer from tax-exempt reserves789€31k€31k=
Profit (loss) for the period to be appropriated9905€293k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.65M€4.64M▼
Profit (loss) brought forward from the previous period14P€4.35M€4.65M▲
Social balance
Average headcount (FTE)908726.525.2▼

The notes to these accounts (52 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20212022202320242025Change
Operating income70/76A€15.85M€15.56M€13.47M€11.57M€11.17M▼ 3.4%
Turnover70€15.55M€15.44M€13.34M€11.49M€11.09M▼ 3.5%
Other operating income74€219k€111k€96k€79k€82k▲ 3.5%
Non-recurring operating income76A€85k€15k€32k€30--
Operating charges60/66A€15.86M€14.69M€12.95M€11.30M€11.41M▲ 1.0%
Goods for resale, raw materials and consumables60€10.78M€10.83M€9.40M€7.80M€7.88M▲ 1.1%
Purchases600/8€11.47M€11.38M€8.91M€7.45M€7.91M▲ 6.2%
Change in stocks: decrease (increase)609€-685k€-542k€489k€349k€-26k▼ 108%
Services and other goods61€3.02M€1.70M€1.38M€1.39M€1.44M▲ 3.6%
Remuneration, social security and pensions62€1.60M€1.64M€1.65M€1.54M€1.52M▼ 1.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€378k€427k€444k€478k€485k▲ 1.5%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€28k€12k€-3k€28k▲ 923%
Other operating charges640/8€73k€56k€62k€69k€63k▼ 8.9%
Non-recurring operating charges66A€15k-€789€34k--
Operating profit (loss)9901€-2k€874k€519k€270k€-244k▼ 190%
Financial income75/76B€802k€516k€533k€372k€469k▲ 26.1%
Recurring financial income75€802k€516k€533k€372k€469k▲ 26.1%
Income from current assets751---€5k€11k▲ 140%
Other financial income752/9€802k€516k€533k€367k€458k▲ 24.7%
Financial charges65/66B€373k€238k€295k€266k€252k▼ 5.5%
Recurring financial charges65€373k€238k€295k€266k€252k▼ 5.5%
Debt charges650€35k€37k€86k€60k€95k▲ 58.7%
Other financial charges652/9€338k€200k€209k€206k€156k▼ 24.2%
Profit (loss) for the period before taxes9903€426k€1.15M€757k€375k€-26k▼ 107%
Transfer from deferred taxes780€16k€16k€16k€16k€16k=
Income taxes67/77€132k€324k€223k€130k€26k▼ 79.9%
Taxes670/3€134k€324k€223k€130k€26k▼ 79.9%
Tax adjustments and reversals of tax provisions77€1k€90-€1--
Profit (loss) for the period9904€310k€844k€550k€262k€-36k▼ 114%
Transfer from tax-exempt reserves789€202k€31k€31k€31k€31k=
Profit (loss) for the period to be appropriated9905€512k€876k€582k€293k€-5k▼ 102%
Line20212022202320242025Change
Assets
Total assets20/58€8.87M€9.19M€8.75M€7.89M€7.91M▲ 0.3%
Fixed assets21/28€4.90M€4.61M€4.54M€4.19M€3.71M▼ 11.6%
Tangible fixed assets22/27€4.90M€4.61M€4.54M€4.19M€3.71M▼ 11.6%
Land and buildings22€4.09M€3.85M€3.61M€3.37M€3.13M▼ 7.0%
Plant, machinery and equipment23€247k€282k€354k€303k€253k▼ 16.4%
Furniture and vehicles24€566k€477k€579k€515k€317k▼ 38.4%
Financial fixed assets28€585€585€585€585€585=
Other financial fixed assets284/8€585€585€585€585€585=
Amounts receivable and cash guarantees285/8€585€585€585€585€585=
Current assets29/58€3.97M€4.58M€4.21M€3.70M€4.20M▲ 13.7%
Stocks and contracts in progress3€2.49M€3.00M€2.50M€2.18M€2.18M▲ 0.1%
Stocks30/36€2.49M€3.00M€2.50M€2.18M€2.18M▲ 0.1%
Goods purchased for resale34€2.49M€3.00M€2.50M€2.18M€2.18M▲ 0.1%
Amounts receivable within one year40/41€1.25M€1.00M€1.42M€1.10M€1.81M▲ 64.4%
Trade receivables40€1.20M€853k€1.04M€952k€971k▲ 2.0%
Other amounts receivable41€56k€148k€387k€149k€839k▲ 462%
Cash at bank and in hand54/58€229k€537k€238k€340k€195k▼ 42.7%
Deferred charges and accrued income490/1-€42k€46k€76k€15k▼ 80.7%
Equity and liabilities
Total equity and liabilities10/49€8.87M€9.19M€8.75M€7.89M€7.91M▲ 0.3%
Equity10/15€4.64M€5.48M€5.03M€5.29M€5.26M▼ 0.7%
Contributions10/11€74k€74k€74k€74k€74k=
Capital10€74k€74k€74k€74k€74k=
Issued capital100€74k€74k€74k€74k€74k=
Reserves13€668k€637k€605k€574k€542k▼ 5.5%
Non-distributable reserves130/1€11k€11k€11k€11k€11k=
Legal reserve130€7k€7k€7k€7k€7k=
Reserves not available under the articles1311-€4k€4k€4k€4k=
Other1319€4k-----
Tax-exempt reserves132€483k€452k€420k€389k€357k▼ 8.1%
Distributable reserves133€174k€174k€174k€174k€174k=
Profit (loss) carried forward14€3.90M€4.77M€4.35M€4.65M€4.64M▼ 0.1%
Provisions and deferred taxes16€246k€230k€213k€197k€181k▼ 8.2%
Deferred taxes168€246k€230k€213k€197k€181k▼ 8.2%
Amounts payable17/49€3.98M€3.48M€3.51M€2.40M€2.47M▲ 3.1%
Amounts payable after more than one year17€317k€107k€202k€237k€130k▼ 44.9%
Financial debts170/4€317k€107k€202k€237k€130k▼ 44.9%
Credit institutions173€317k€107k€202k€237k€130k▼ 44.9%
Amounts payable within one year42/48€3.62M€3.37M€3.30M€2.16M€2.34M▲ 8.3%
Current portion of amounts payable after more than one year42€613k€275k€154k€110k€105k▼ 4.7%
Financial debts43€1.00M€1.66M€1.63M€1.55M€1.53M▼ 1.1%
Credit institutions430/8€1.00M€1.66M€1.63M€1.55M€1.53M▼ 1.1%
Trade debts44€160k€316k€196k€191k€419k▲ 119%
Suppliers440/4€160k€316k€196k€191k€419k▲ 119%
Advances received on contracts in progress46-€15k€14k€16k€23k▲ 44.1%
Taxes, remuneration and social security45€418k€386k€301k€281k€243k▼ 13.7%
Taxes450/3€194k€139k€106k€105k€60k▼ 43.5%
Remuneration and social security454/9€224k€248k€195k€176k€183k▲ 4.2%
Other amounts payable47/48€1.43M€715k€1.00M€10k€15k▲ 50.3%
Accrued charges and deferred income492/3€49k€105€2k€148€151▲ 2.0%
Line20212022202320242025Change
Profit (loss) for the period9904€310k€844k€550k€262k€-36k▼ 114%
+ Depreciation and write-downs630€378k€427k€444k€478k€485k▲ 1.5%
Operating cash flow (approximation)€688k€1.27M€994k€740k€449k▼ 39.4%
Investment in fixed assets (approximation)-€-134k€-381k€-124k€0▲ 100%
Change in cash-€308k€-299k€102k€-145k▼ 243%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-07
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
18-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
27-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
25-07
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial Highest result since 2018net €844k ▲172%
Operating result €874k, net result €844k, both a record.
31-12
Financial Equity above €5MEq €5.48M ▲18.2%
3 profitable years in a row build equity to €5.48M.
28-09
NBB filing Annual accounts filed
fiscal year 2021 · full schema · 59 days late
2021
11-10
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 72 days late
2020
31-12
Financial Back to profitnet €405k
Net result €405k after 2 loss-making years.
31-12
Financial Equity above €5MEq €5.08M ▲8.7%
Equity rises from €4.67M to €5.08M.
03-07
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial Weakest financial yearnet €-86k
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
Show earlier events
30-08
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
13-09
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts

We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
10 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, Erpe-Mere · 1 establishment unit since 1978
seat establishment The establishment unit on the map
Ground area
1.6 ha
Building footprint
7,615 m²
Volume, LiDAR
56,905 m³
Parcel 41016D0741/00R000, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
BERMA - DECOR
Joseph Cardijnstraat 33, 9420 Erpe-MereNACE 2863001
since 19782.039.391.049
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41016D0741/00R000 Flanders 1.6 ha 1 · 7,615 m² 9.4 m · 3 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.

Public money · subsidies and aid

Flemish government

2024 to 2025 · 2 entries · 1,597 EUR awarded · 1,597 EUR paid
Year Entries awardedpaid
2025 1 455 EUR455 EUR
2024 1 1,142 EUR1,142 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
2 entries · 1,597 EUR · 1,597 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

549300BPVU553BKSK022
live in the LEI register

Similar companies · same sector, comparable size

Of 679 companies in sector 46494 we hold annual accounts for 530. 213 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded05-12-1977
Fiscal year end31-12
Activities, NACEBEL 2025
46494Wholesale of non-electrical household articles
46841Wholesale trade
47551Retail sale of household furniture

Scores and ratios are computed by Checked and are not a credit decision.