DECEBAL
ActiveSummary
DECEBAL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,948 and a net result of €345. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 5.29 against 30.15 in 2024; short-term debt: 17.7% and cash: 4.4% of total assets), and 17.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.3%
Return on assets
1.4%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
20 d early
2023
70 d early
2022
18 d early
2021
34 d early
2020
46 d early
2019
50 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 38 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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, micro schema
Equity
€19,948▼ 14.4%
2024 · €23,304
Total assets
€24,245▲ 0.7%
2024 · €24,076
Net result
€345▲ 31.6%
2024 · €262
Working capital
€18,441▼ 18.1%
2024 · €22,519
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€891▼ 79.2%€449▼ 49.6%€440▼ 2.0%€401▼ 8.9%€511▲ 27.6%
Net result€1,611within the sector's middle half▼ 56.8%€288within the sector's middle half▼ 82.1%€286within the sector's middle half▼ 0.9%€262within the sector's middle half▼ 8.4%€345within the sector's middle half▲ 31.6%
Equity€22,468within the sector's middle half▲ 7.7%€22,756within the sector's middle half▲ 1.3%€23,042within the sector's middle half▲ 1.3%€23,304within the sector's middle half▲ 1.1%€19,948within the sector's middle half▼ 14.4%
Total assets€23,250below the sector's middle half▲ 8.1%€23,087below the sector's middle half▼ 0.7%€23,174below the sector's middle half▲ 0.4%€24,076below the sector's middle half▲ 3.9%€24,245below the sector's middle half▲ 0.7%
Debt€783▲ 18.4%€331▼ 57.8%€132▼ 60.0%€773▲ 485%€4,296▲ 456%
Working capital€22,468▲ 8.8%€22,756▲ 1.3%€21,865▼ 3.9%€22,519▲ 3.0%€18,441▼ 18.1%
Solvency96.6%above the sector's middle half▼ 0.3pp98.6%above the sector's middle half▲ 1.9pp99.4%above the sector's middle half▲ 0.9pp96.8%above the sector's middle half▼ 2.6pp82.3%above the sector's middle half▼ 14.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23,852
Fixed assets
€1,115
Current assets
€22,737
Equity and liabilities €24,245
Equity
€19,948 ▼ 14.4%
Debt
€4,296 ▲ 456%
Debt's share of the balance-sheet total rises from 3.2% to 17.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€938▲
2024 · €793
Cash flow
€771▲
2024 · €654
Current ratio
5.29▼
2024 · 30.15
Debt to equity
0.22▲
2024 · 0.03
ROE
1.7%▲
2024 · 1.1%
ROA
1.4%▲
2024 · 1.1%
Interest coverage
12.99▲
2024 · 10.96
Debt ≤ 1 year
€4,296▲
2024 · €773
Income taxes
€95▲
2024 · €67
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,891 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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 10,891 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €200 | - | - | €392 | €427 | ▲ 8.8% |
| Other operating charges640/8 | €767 | €532 | €620 | €506 | €465 | ▼ 8.0% |
| Gross operating margin9900 | €1,858 | €981 | €1,059 | €1,299 | €1,404 | ▲ 8.0% |
| Operating profit (loss)9901 | €891 | €449 | €440 | €401 | €511 | ▲ 27.6% |
| Financial income75/76B | €1,001 | - | €1 | - | €0 | - |
| Recurring financial income75 | €1,001 | - | €1 | - | €0 | - |
| Financial charges65/66B | €98 | €73 | €72 | €72 | €72 | ▼ 0.2% |
| Recurring financial charges65 | €98 | €73 | €72 | €72 | €72 | ▼ 0.2% |
| Profit (loss) for the period before taxes9903 | €1,793 | €376 | €369 | €328 | €439 | ▲ 33.7% |
| Income taxes67/77 | €183 | €88 | €83 | €67 | €95 | ▲ 42.1% |
| Profit (loss) for the period9904 | €1,611 | €288 | €286 | €262 | €345 | ▲ 31.6% |
| Profit (loss) for the period to be appropriated9905 | €1,611 | €288 | €286 | €262 | €345 | ▲ 31.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23,250 | €23,087 | €23,174 | €24,076 | €24,245 | ▲ 0.7% |
| Formation expenses20 | - | - | €1,177 | €785 | €392 | ▼ 50.0% |
| Fixed assets21/28 | - | - | - | - | €1,115 | - |
| Tangible fixed assets22/27 | - | - | - | - | €1,115 | - |
| Furniture and vehicles24 | - | - | - | - | €1,115 | - |
| Current assets29/58 | €23,250 | €23,087 | €21,997 | €23,292 | €22,737 | ▼ 2.4% |
| Amounts receivable within one year40/41 | €18,787 | €21,470 | €19,457 | €16,949 | €21,664 | ▲ 27.8% |
| Trade receivables40 | €6,087 | €6,610 | €6,768 | €6,048 | €11,677 | ▲ 93.1% |
| Other amounts receivable41 | €12,700 | €14,860 | €12,689 | €10,901 | €9,987 | ▼ 8.4% |
| Cash at bank and in hand54/58 | €4,463 | €1,617 | €2,540 | €6,343 | €1,073 | ▼ 83.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23,250 | €23,087 | €23,174 | €24,076 | €24,245 | ▲ 0.7% |
| Equity10/15 | €22,468 | €22,756 | €23,042 | €23,304 | €19,948 | ▼ 14.4% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €5,560 | €5,560 | €5,560 | €5,560 | €1,860 | ▼ 66.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €3,700 | €3,700 | €3,700 | €3,700 | - | - |
| Profit (loss) carried forward14 | €4,508 | €4,796 | €5,082 | €5,344 | €5,688 | ▲ 6.4% |
| Amounts payable17/49 | €783 | €331 | €132 | €773 | €4,296 | ▲ 456% |
| Amounts payable within one year42/48 | €783 | €331 | €132 | €773 | €4,296 | ▲ 456% |
| Trade debts44 | - | €61 | €54 | €35 | - | - |
| Suppliers440/4 | - | €61 | €54 | €35 | - | - |
| Taxes, remuneration and social security45 | €783 | €270 | €78 | €738 | €596 | ▼ 19.2% |
| Taxes450/3 | €783 | €270 | €78 | €738 | €596 | ▼ 19.2% |
| Other amounts payable47/48 | - | - | - | - | €3,700 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,611 | €288 | €286 | €262 | €345 | ▲ 31.6% |
| + Depreciation and write-downs630 | €200 | - | - | €392 | €427 | ▲ 8.8% |
| Operating cash flow (approximation) | €1,811 | €288 | €286 | €654 | €771 | ▲ 17.9% |
| Change in cash | - | -€2,846 | €923 | €3,803 | -€5,269 | ▼ 239% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €262 ▼8.4%
Net result drops to €262, the lowest in the series; recovery starts the following year.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 166.57
Current ratio from 69.85 to 166.57; short-term debt falls from €331 to €132.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 69.85
Current ratio from 29.71 to 69.85; short-term debt falls from €783 to €331.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €3,733 ▲390%
Operating result €4,274, net result €3,733, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 9current ratio 61.83
Current ratio from 7.11 to 61.83; short-term debt falls from €2,566 to €275.
Show earlier events
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Sambreville · 1 establishment unit since 2009
Ground area
66 m²
Parcel 92121B0304/02A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DECEBAL
since 20092.180.774.289
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92121B0304/02A000 | Wallonia | 66 m² | - | - |
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 1,719 companies in sector 47521 we hold annual accounts for 1,288. 458 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
Founded24-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
47522Retail trade
47540Retail sale of electrical household appliances
47551Retail sale of household furniture
47559Retail sale of other household articles
47722Retail trade
62100Computer programming
62200Computer consultancy and computer facilities management
82100Office administrative and support services
82990Other business support services
Contact
Phone
0496281633Sambreville
E-invoicing
Reachable via Peppol
Peppol ID
0208:0813222957
Also
9925:BE0813222957
Registered
30-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.