Continental Decotrade is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €420k and a net result of €240k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 2377 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
192122232425
2019 to 2025 · latest year €420k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d early
2023
20 d early
2022
24 d late
2021
on the day
2020
10 d late
2019
on the day
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€420k▲ 133%
2024 · €180k
2019: €316k
2021: €337k
2022: €160k
2023: €154k
2024: €180k
2019 → 2025
Net result
€240k▲ 807%
2024 · €26k
2019: €702
2021: €14k
2022: €-177k
2023: €-6k
2024: €26k
2019 → 2025
Total assets
€563k▲ 102%
2024 · €278k
2019: €542k
2021: €507k
2022: €316k
2023: €292k
2024: €278k
2019 → 2025
Solvency
74.5%▲ 9.9pp
2024 · 64.7%
2019: 58.3%
2021: 66.5%
2022: 50.5%
2023: 52.5%
2024: 64.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€160k▼ 52.6%€154k▼ 3.9%€180k▲ 17.2%€420k▲ 133%
Operating result€21k-€23k▲ 6.3%€-6k€36k€321k▲ 786%
Net result€14k-€-177k€-6k▲ 96.5%€26k€240k▲ 807%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 786% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €563k
Fixed assets
€223k▼ 14.1%
Current assets
€340k▲ 1,746%
Equity and liabilities €563k
Equity
€420k▲ 133%
Provisions
€135k▲ 148%
Debt
€8k▼ 81.3%
The debt ratio falls from 15.7% to 1.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
74.5%▲
2024 · 64.7%
ROE
57.1%▲
2024 · 14.7%
ROA
42.6%▲
2024 · 9.5%
Debt
€8k▼
2024 · €44k
Debt ≤ 1 year
€8k▼
2024 · €27k
Debt > 1 year
€0▼
2024 · €16k
Income taxes
€6▼
2024 · €11k
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€278k€563k▲
Fixed assets21/28€260k€223k▼
Intangible fixed assets21€963€642▼
Tangible fixed assets22/27€259k€223k▼
Land and buildings22€211k€205k▼
Plant, machinery and equipment23€407€773▲
Furniture and vehicles24€1k€0▼
Other tangible fixed assets26€46k€17k▼
Current assets29/58€18k€340k▲
Amounts receivable within one year40/41€6k€131k▲
Trade receivables40€2k€75k▲
Other amounts receivable41€5k€56k▲
Current investments50/53€1€1=
Cash at bank and in hand54/58€12k€209k▲
Deferred charges and accrued income490/1€0€143▲
Equity and liabilities
Total equity and liabilities10/49€278k€563k▲
Equity10/15€180k€420k▲
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€132k€459k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€96k€423k▲
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€-51k€-138k▼
Provisions and deferred taxes16€55k€135k▲
Deferred taxes168€55k€135k▲
Amounts payable17/49€44k€8k▼
Amounts payable after more than one year17€16k€0▼
Financial debts170/4€16k€0▼
Amounts payable within one year42/48€27k€8k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€11k€2k▼
Taxes450/3€11k€98▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€3k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€0€422k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€13k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€7k€5k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€64k€339k▲
Operating profit (loss)9901€36k€321k▲
Financial income75/76B€9€39▲
Recurring financial income75€9€39▲
Financial charges65/66B€2k€826▼
Recurring financial charges65€2k€826▼
Profit (loss) for the period before taxes9903€34k€320k▲
Transfer from deferred taxes780€3k€4k▲
Transfer to deferred taxes680-€84k
Income taxes67/77€11k€6▼
Profit (loss) for the period9904€26k€240k▲
Transfer from tax-exempt reserves789€9k€11k▲
Transfer to tax-exempt reserves689-€338k
Profit (loss) for the period to be appropriated9905€35k€-87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-138k▼
Profit (loss) brought forward from the previous period14P€-86k€-51k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €240k ▲807%
Operating result €321k, net result €240k, both a record.
31-12
Financial
Liquidity times 62current ratio 41.67
Current ratio from 0.67 to 41.67; short-term debt falls from €27k to €8k.
31-12
Financial
Equity above €200kEq €420k ▲133%
2 profitable years in a row build equity to €420k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-177k ▼1354%
Net result drops to €-177k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 10 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lier · 1 establishment unit since 2001
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.
Baron Opsomerlaan 552500 LierGround area
120 m²
Parcel 12393F0281/00H005, Flanders. Linked by address, not a title deed.
1 establishment unit
CONTINENTAL
since 20012.074.368.754
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0281/00H005 | Flanders | 120 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
2025 · 1 entry · 654 EUR awarded · 507 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 654 EUR | 507 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,710 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-07-1995
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46412Wholesale of household textiles and bedding
46494Wholesale of non-electrical household articles
46499Wholesale of other household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.