CV DECOR
ActiveCV DECOR has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €213k and a net result of €48k. Equity is growing by ~34.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability56▼-35
Solvency77▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.09 in 2023; short-term debt: 45.8% and cash: 41.8% of total assets), and 48.4% of the assets are financed with debt.
Credit advice 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
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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
not confirmed
2024
28 d late
2023
77 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
101 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€213k▲ 26.1%
2023 · €169k
2018: €45k
2019: €45k
2020: €65k
2021: €68k
2022: €109k
2023: €169k
2018 → 2024
Total assets
€413k▲ 23.6%
2023 · €334k
2018: €105k
2019: €126k
2020: €137k
2021: €301k
2022: €235k
2023: €334k
2018 → 2024
Net result
€48k▼ 21.5%
2023 · €61k
2018: €-5k
2019: €-542
2020: €20k
2021: €3k
2022: €35k
2023: €61k
2018 → 2024
Working capital
€202k▲ 17.8%
2023 · €172k
2018: €34k
2019: €33k
2020: €51k
2021: €-95k
2022: €105k
2023: €172k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€65k-€68k▲ 4.2%€109k▲ 60.0%€169k▲ 55.8%€213k▲ 26.1%
Operating result€40k-€8k▼ 78.9%€60k▲ 610%€87k▲ 43.9%€98k▲ 13.7%
Net result€20k-€3k▼ 86.6%€35k▲ 1,179%€61k▲ 74.5%€48k▼ 21.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 14% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €413k
Fixed assets
€22k▲ 293%
Current assets
€391k▲ 19.1%
Equity and liabilities €413k
Equity
€213k▲ 26.1%
Debt
€200k▲ 21.1%
The debt ratio falls from 49.4% to 48.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€101k▲
2023 · €89k
Cash flow
€50k▼
2023 · €63k
Solvency
51.6%▲
2023 · 50.6%
Current ratio
2.07▼
2023 · 2.09
Quick ratio
1.63▲
2023 · 0.51
Debt / equity
0.94▼
2023 · 0.98
ROE
22.3%▼
2023 · 35.8%
ROA
11.5%▼
2023 · 18.1%
Interest coverage
2.73▼
2023 · 8.22
Debt
€200k▲
2023 · €165k
Debt ≤ 1 year
€189k▲
2023 · €157k
Debt > 1 year
€10k
Income taxes
€14k▼
2023 · €15k
Staff costs
€123k▲
2023 · €108k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€334k€413k▲
Fixed assets21/28€6k€22k▲
Tangible fixed assets22/27€6k€22k▲
Furniture and vehicles24€5k€21k▲
Other tangible fixed assets26€960€720▼
Current assets29/58€329k€391k▲
Stocks and contracts in progress3€249k€82k▼
Stocks30/36€249k€82k▼
Amounts receivable within one year40/41€72k€135k▲
Trade receivables40€71k€109k▲
Other amounts receivable41€2k€26k▲
Cash at bank and in hand54/58€877€173k▲
Deferred charges and accrued income490/1€6k€919▼
Equity and liabilities
Total equity and liabilities10/49€334k€413k▲
Equity10/15€169k€213k▲
Contributions10/11€19k€19k=
Reserves13€150k€195k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€149k€193k▲
Profit (loss) carried forward14€182€1▼
Amounts payable17/49€165k€200k▲
Amounts payable after more than one year17-€10k
Financial debts170/4-€10k
Amounts payable within one year42/48€157k€189k▲
Current portion of amounts payable after more than one year42€8k€5k▼
Financial debts43€35k€63k▲
Credit institutions430/8€35k€63k▲
Trade debts44€24k€72k▲
Suppliers440/4€24k€72k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€27k€25k▼
Taxes450/3€15k€8k▼
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€63k€22k▼
Accrued charges and deferred income492/3€8k€856▼
Income statement
Code20232024
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€108k€123k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€25k▲
Gross operating margin9900€198k€249k▲
Operating profit (loss)9901€87k€98k▲
Financial income75/76B€3€9▲
Recurring financial income75€3€9▲
Financial charges65/66B€11k€37k▲
Recurring financial charges65€11k€37k▲
Profit (loss) for the period before taxes9903€76k€61k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€61k€48k▼
Profit (loss) for the period to be appropriated9905€61k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€48k▼
Profit (loss) brought forward from the previous period14P€119€182▲
Transfer to equity691/2€61k€48k▼
To other reserves6921€61k€48k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €200kEq €213k ▲26.1%
5 profitable years in a row build equity to €213k.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
31-12
Financial
Highest result since 2018net €61k ▲74.5%
Net result €61k, the highest in the series.
31-12
Financial
Equity above €150kEq €169k ▲55.8%
4 profitable years in a row build equity to €169k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.83
Current ratio from 0.59 to 1.83; short-term debt falls from €233k to €126k.
31-12
Financial
Equity above €100kEq €109k ▲60%
3 profitable years in a row build equity to €109k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sambreville · 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.
Rue de Baulet(KEU) 25060 SambrevilleGround area
439 m²
Building footprint
317 m²
Parcel 92129F0160/00C010, Wallonia. Linked by address, not a title deed.
1 establishment unit
CV DECOR
since 20132.224.338.375
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92129F0160/00C010 | Wallonia | 438 m² | 1 · 317 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.
Recognitions · licences · registrations
Recognised contractor
1 categoryCV DECOR SRL42869
Legal Entity Identifier
2549004KFZAP3RNKRW25
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MYNCKE DECOR
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MERTENS INTERIEUR
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FULL WOOD COLORS
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Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,014 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2013
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
46150Agents in the wholesale of furniture, household goods and hardware
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.