BP DECOR
ActiveSummary
The annual accounts of BP DECOR for fiscal year 2025 show a net loss of 55% of the equity at the start of that year. The 2025 annual accounts show equity of €20,991 and a net result of -€25,635. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7900 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency37▼-12
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.11 against 1.27 in 2024; short-term debt: 88% and cash: 44% of total assets), and 88% of the assets are financed with debt.
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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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12%
Return on assets
-14.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7900 sector peers (2025).
NBB · sector comparisonPosition among 7900 sector peers
Solvency
better than 14%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
57 d early
2023
41 d early
2022
18 d early
2021
47 d early
2020
31 d late
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€20,991▼ 55.0%
2024 · €46,626
Total assets
€174,594▼ 9.2%
2024 · €192,179
Net result
-€25,635
2024 · €62,920
Working capital
€16,430▼ 58.1%
2024 · €39,181
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,046▼ 82.5%-€39,428€22,395€75,249▲ 236%-€15,670
Net result€955▼ 98.0%-€44,168€13,677€62,920▲ 360%-€25,635
Equity€48,233▲ 2.0%€4,065▼ 91.6%€17,741▲ 336%€46,626▲ 163%€20,991▼ 55.0%
Total assets€233,920▲ 50.7%€130,082▼ 44.4%€194,039▲ 49.2%€192,179▼ 1.0%€174,594▼ 9.2%
Debt€185,687▲ 72.1%€126,017▼ 32.1%€176,297▲ 39.9%€145,553▼ 17.4%€153,603▲ 5.5%
Working capital€47,494▲ 2.6%€2,569▼ 94.6%€14,225▲ 454%€39,181▲ 175%€16,430▼ 58.1%
Staff (FTE)9.6▲ 35.2%8.5▼ 11.5%7.8▼ 8.2%7.9▲ 1.3%7▼ 11.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15,670 after €75,249 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174,594
Fixed assets
€4,561 ▼ 40.0%
Current assets
€170,033 ▼ 7.9%
Equity and liabilities €174,594
Equity
€20,991 ▼ 55.0%
Debt
€153,603 ▲ 5.5%
Debt's share of the balance-sheet total rises from 75.7% to 88.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€12,628▼
2024 · €77,739
Cash flow
-€22,593▼
2024 · €65,410
Current ratio
1.11▼
2024 · 1.27
Quick ratio
1.07▼
2024 · 1.23
Debt to equity
7.32▲
2024 · 3.12
ROE
-122.1%▼
2024 · 134.9%
ROA
-14.7%▼
2024 · 32.7%
Interest coverage
-1.25▼
2024 · 13.26
Debt ≤ 1 year
€153,603▲
2024 · €145,396
Income taxes
€0▼
2024 · €6,513
Staff costs
€450,646▲
2024 · €385,237
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,219 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 88% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.5%
went bankrupt
7.4%
stopped otherwise
88%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,219 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €437,988 | €437,057 | €402,900 | €385,237 | €450,646 | ▲ 17.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €250 | €304 | €1,419 | €2,490 | €3,042 | ▲ 22.2% |
| Other operating charges640/8 | €2,480 | €1,060 | €1,430 | €1,459 | €3,321 | ▲ 128% |
| Gross operating margin9900 | €450,764 | €398,994 | €428,143 | €464,435 | €441,339 | ▼ 5.0% |
| Operating profit (loss)9901 | €10,046 | -€39,428 | €22,395 | €75,249 | -€15,670 | ▼ 121% |
| Financial income75/76B | €278 | €490 | €93 | €48 | €175 | ▲ 264% |
| Recurring financial income75 | €278 | €490 | €93 | €48 | €175 | ▲ 264% |
| Financial charges65/66B | €6,241 | €5,231 | €8,811 | €5,864 | €10,140 | ▲ 72.9% |
| Recurring financial charges65 | €6,241 | €5,231 | €8,811 | €5,864 | €10,140 | ▲ 72.9% |
| Profit (loss) for the period before taxes9903 | €4,083 | -€44,168 | €13,677 | €69,433 | -€25,635 | ▼ 137% |
| Income taxes67/77 | €3,128 | - | - | €6,513 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €955 | -€44,168 | €13,677 | €62,920 | -€25,635 | ▼ 141% |
| Profit (loss) for the period to be appropriated9905 | €955 | -€44,168 | €13,677 | €62,920 | -€25,635 | ▼ 141% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €233,920 | €130,082 | €194,039 | €192,179 | €174,594 | ▼ 9.2% |
| Fixed assets21/28 | €750 | €1,496 | €4,592 | €7,602 | €4,561 | ▼ 40.0% |
| Intangible fixed assets21 | €750 | €1,496 | €2,184 | €1,482 | €1,030 | ▼ 30.5% |
| Tangible fixed assets22/27 | - | - | €2,409 | €6,121 | €3,531 | ▼ 42.3% |
| Plant, machinery and equipment23 | - | - | - | €5,365 | €3,531 | ▼ 34.2% |
| Furniture and vehicles24 | - | - | €2,409 | €756 | €0 | ▼ 100% |
| Current assets29/58 | €233,170 | €128,586 | €189,446 | €184,577 | €170,033 | ▼ 7.9% |
| Stocks and contracts in progress3 | €11,116 | €12,908 | €29,716 | €5,446 | €6,393 | ▲ 17.4% |
| Stocks30/36 | €11,116 | €12,908 | €26,216 | €5,446 | €6,393 | ▲ 17.4% |
| Contracts in progress37 | - | - | €3,500 | - | - | - |
| Amounts receivable within one year40/41 | €164,058 | €82,713 | €57,398 | €81,362 | €82,350 | ▲ 1.2% |
| Trade receivables40 | €139,455 | €67,087 | €25,543 | €48,929 | €65,159 | ▲ 33.2% |
| Other amounts receivable41 | €24,604 | €15,626 | €31,855 | €32,434 | €17,191 | ▼ 47.0% |
| Cash at bank and in hand54/58 | €49,728 | €25,869 | €96,396 | €91,275 | €76,846 | ▼ 15.8% |
| Deferred charges and accrued income490/1 | €8,268 | €7,097 | €5,937 | €6,494 | €4,444 | ▼ 31.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €233,920 | €130,082 | €194,039 | €192,179 | €174,594 | ▼ 9.2% |
| Equity10/15 | €48,233 | €4,065 | €17,741 | €46,626 | €20,991 | ▼ 55.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €29,633 | €26,277 | €26,277 | €28,026 | €28,026 | = |
| Tax-exempt reserves132 | €24,833 | €24,833 | €24,833 | €24,833 | €24,833 | = |
| Distributable reserves133 | €4,800 | €1,444 | €1,444 | €3,193 | €3,193 | = |
| Profit (loss) carried forward14 | - | -€40,812 | -€27,136 | - | -€25,635 | - |
| Amounts payable17/49 | €185,687 | €126,017 | €176,297 | €145,553 | €153,603 | ▲ 5.5% |
| Amounts payable within one year42/48 | €185,675 | €126,017 | €175,221 | €145,396 | €153,603 | ▲ 5.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €1,697 | €1,698 | ▲ 0.1% |
| Trade debts44 | €158,700 | €101,813 | €155,463 | €89,035 | €125,827 | ▲ 41.3% |
| Suppliers440/4 | €158,700 | €101,813 | €155,463 | €89,035 | €125,827 | ▲ 41.3% |
| Taxes, remuneration and social security45 | €15,373 | €11,650 | €5,295 | €8,467 | €12,063 | ▲ 42.5% |
| Taxes450/3 | €6,552 | €3,128 | - | €1,507 | €4,163 | ▲ 176% |
| Remuneration and social security454/9 | €8,820 | €8,522 | €5,295 | €6,960 | €7,900 | ▲ 13.5% |
| Other amounts payable47/48 | €11,603 | €12,554 | €14,463 | €46,198 | €14,015 | ▼ 69.7% |
| Accrued charges and deferred income492/3 | €11 | - | €1,076 | €157 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €955 | -€44,168 | €13,677 | €62,920 | -€25,635 | ▼ 141% |
| + Depreciation and write-downs630 | €250 | €304 | €1,419 | €2,490 | €3,042 | ▲ 22.2% |
| Operating cash flow (approximation) | €1,205 | -€43,864 | €15,095 | €65,410 | -€22,593 | ▼ 135% |
| Investment in fixed assets (approximation) | - | -€1,050 | -€4,515 | -€5,500 | €0 | ▲ 100% |
| Change in cash | - | -€23,859 | €70,527 | -€5,121 | -€14,429 | ▼ 182% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €62,920 ▲360%
Operating result €75,249, net result €62,920, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13,677
Net result €13,677 after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€44,168
Net result drops to -€44,168, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €48,593
Net result €48,593 after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Show earlier events
2018
30-07
State Gazette act
General meeting · Member resignation
Member admission · Permanent representative
18-05
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Director resignation
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
2016
22-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2015
13-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2012
23-11
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Evergem · 1 establishment unit since 1992
Ground area
2,714 m²
Building footprint
583 m²
Volume, LiDAR
3,404 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Doornzeelsestraat 85, 9940 Evergem
since 19922.055.902.132
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44019A1381/00D002 | Flanders | 2,409 m² | 1 · 450 m² | 7.2 m · 2 fl. |
| 44019B0655/02C000 | Flanders | 305 m² | 1 · 133 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- BP CONSULT
- BP DECOR
Highest known parent: BP CONSULT. The sources do not say who stands above it.
Owners 1
- BP CONSULTparentSourceaccounts BP CONSULT 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
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Shareholding
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
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Of 7,867 companies in sector 43341 we hold annual accounts for 2,664. 2,078 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
Founded24-12-1991
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
43350Other building finishing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0446129229
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.