Skip to content

Decisios

Active
Private limited companyfounded 20214 yrs activeBoulevard Initialis 10, 7000 Mons, BelgiumKBO/BCE: BE 0776.979.403
Summary

The annual accounts of Decisios for fiscal year 2025 show a net loss of 88% of the equity at the start of that year. The 2025 annual accounts show equity of €17,429 and a net result of -€127,005. Equity is shrinking by ~51.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 15% of 2715 sector peers (fiscal year 2025). The company has been active since 2021 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=
Solvency28▼-25
Growth32=
Track record94
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 short (current ratio 0.76 against 1.16 in 2024; short-term debt: 22.6% and cash: 13.4% of total assets), and 97.3% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
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 2025
Solvency, return and age of the figures
Solvency
2.7%
Return on assets
-19.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
22232425
2022 to 2025 · latest year -€127,005
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2715 sector peers (2025).
NBB · sector comparison
Position among 2715 sector peers
Solvency
better than 15%
← weakest strongest →
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 · 4 filings
Deviation from the deadline
2025
31 d late
2024
22 d late
2023
26 d late
2022
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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 months
Position in the running window
27-09-2026 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

History

On 9 November 2021, Decisios was incorporated as a Private limited company.1 Total assets went from EUR 402,360 in 2022 to EUR 649,920 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Turnover
€130,279
EBIT margin
-88.1%
Net result
-€127,005▲ 25.8%
2024 · -€171,071
Working capital
-€35,244
2024 · €17,629
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
Line2022202320242025
Turnover€130,279
Operating result-€42,829--€71,495▼ 66.9%-€168,055▼ 135%-€114,817▲ 31.7%
Net result-€42,879--€71,616▼ 67.0%-€171,071▼ 139%-€127,005▲ 25.8%
EBIT margin-88.1%
Equity€347,121-€315,505▼ 9.1%€144,433▼ 54.2%€17,429▼ 87.9%
Total assets€402,360-€462,574▲ 15.0%€522,524▲ 13.0%€649,920▲ 24.4%
Debt€55,240-€147,069▲ 166%€378,090▲ 157%€632,492▲ 67.3%
Working capital€270,690-€62,331▼ 77.0%€17,629▼ 71.7%-€35,244
Staff (FTE)2.1
Why a figure moved sharply
  • 2025 Equity -88% on 2024. Cause not known from the registers.
  • 2024 Equity -54% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
-€200,000-€150,000-€100,000-€50,000€0Operating result 2022: -€42,829-€42,829Net result 2022: -€42,879-€42,879Operating result 2023: -€71,495-€71,495Net result 2023: -€71,616-€71,616Operating result 2024: -€168,055-€168,055Net result 2024: -€171,071-€171,071Operating result 2025: -€114,817-€114,817Net result 2025: -€127,005-€127,0052022202320242025-€200,000-€150,000-€100,000-€50,000€0Operating result 2023: -€71,495-€71,500Net result 2023: -€71,616-€71,600Operating result 2024: -€168,055-€168,000Net result 2024: -€171,071-€171,000Operating result 2025: -€114,817-€115,000Net result 2025: -€127,005-€127,000202320242025
The operating result stays negative: a loss of €114,817 in 2025 against €168,055 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €649,920
Fixed assets €538,162 ▲ 35.6%
Current assets €111,758 ▼ 11.1%
Equity and liabilities €649,920
Equity €17,429 ▼ 87.9%
Debt €632,492 ▲ 67.3%
Debt's share of the balance-sheet total rises from 72.4% to 97.3%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€109,773▲
2024 · -€167,951
Cash flow
-€121,961▲
2024 · -€170,967
Current ratio
0.76▼
2024 · 1.16
Debt to equity
36.29▲
2024 · 2.62
ROE
-728.7%▼
2024 · -118.4%
ROA
-19.5%▲
2024 · -32.7%
Interest coverage
-9.30▲
2024 · -59.21
Debt ≤ 1 year
€147,002▲
2024 · €108,090
Debt > 1 year
€485,489▲
2024 · €270,000
Income taxes
€390▲
2024 · €180
Staff costs
€97,235
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 759 companies that looked in July 2024 the way this one looks now, 7.5% went bankrupt within 24 months and 86% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
7.5% went bankrupt
4.5% stopped otherwise
86% still going

A further 1.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

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%.

The companies in ten equal groups, from lowest to highest expected share.
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 759 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet Code20242025
Assets
Total assets20/58€522,524€649,920▲
Fixed assets21/28€396,805€538,162▲
Intangible fixed assets21€373,174€515,937▲
Tangible fixed assets22/27€23,631€22,225▼
Plant, machinery and equipment23-€3,341
Furniture and vehicles24€23,631€18,884▼
Current assets29/58€125,719€111,758▼
Amounts receivable within one year40/41€37,011€24,925▼
Trade receivables40€14,995€8,478▼
Other amounts receivable41€22,016€16,447▼
Cash at bank and in hand54/58€88,708€86,833▼
Equity and liabilities
Total equity and liabilities10/49€522,524€649,920▲
Equity10/15€144,433€17,429▼
Contributions10/11€430,000€430,000=
Profit (loss) carried forward14-€285,567-€412,571▼
Amounts payable17/49€378,090€632,492▲
Amounts payable after more than one year17€270,000€485,489▲
Financial debts170/4€130,000€257,946▲
Trade debts175€140,000€227,544▲
Amounts payable within one year42/48€108,090€147,002▲
Current portion of amounts payable after more than one year42-€17,978
Trade debts44€40,600€18,718▼
Suppliers440/4€40,600€18,718▼
Taxes, remuneration and social security45€5,824€37,197▲
Taxes450/3€5,824€25,434▲
Remuneration and social security454/9-€11,763
Other amounts payable47/48€61,667€73,109▲
Income statement Code20242025
Turnover70-€130,279
Goods, raw materials, services and sundry goods60/61-€188,180
Remuneration, social security and pensions62-€97,235
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104€5,044▲
Other operating charges640/8-€2,308
Gross operating margin9900-€167,951-€10,230▲
Operating profit (loss)9901-€168,055-€114,817▲
Financial charges65/66B€2,837€11,798▲
Recurring financial charges65€2,837€11,798▲
Profit (loss) for the period before taxes9903-€170,891-€126,615▲
Income taxes67/77€180€390▲
Profit (loss) for the period9904-€171,071-€127,005▲
Profit (loss) for the period to be appropriated9905-€171,071-€127,005▲
Appropriation of the result
Profit (loss) to be appropriated9906-€285,567-€412,571▼
Profit (loss) brought forward from the previous period14P-€114,495-€285,567▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Turnover70---€130,279-
Goods, raw materials, services and sundry goods60/61---€188,180-
Remuneration, social security and pensions62---€97,235-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630--€104€5,044▲ 4,748%
Other operating charges640/8-€304-€2,308-
Gross operating margin9900-€42,829-€71,190-€167,951-€10,230▲ 93.9%
Operating profit (loss)9901-€42,829-€71,495-€168,055-€114,817▲ 31.7%
Financial income75/76B€0----
Recurring financial income75€0----
Financial charges65/66B€50€75€2,837€11,798▲ 316%
Recurring financial charges65€50€75€2,837€11,798▲ 316%
Profit (loss) for the period before taxes9903-€42,879-€71,569-€170,891-€126,615▲ 25.9%
Income taxes67/77-€46€180€390▲ 117%
Profit (loss) for the period9904-€42,879-€71,616-€171,071-€127,005▲ 25.8%
Profit (loss) for the period to be appropriated9905-€42,879-€71,616-€171,071-€127,005▲ 25.8%
Line2022202320242025Change
Assets
Total assets20/58€402,360€462,574€522,524€649,920▲ 24.4%
Fixed assets21/28€76,430€253,174€396,805€538,162▲ 35.6%
Intangible fixed assets21€76,430€253,174€373,174€515,937▲ 38.3%
Tangible fixed assets22/27--€23,631€22,225▼ 5.9%
Plant, machinery and equipment23---€3,341-
Furniture and vehicles24--€23,631€18,884▼ 20.1%
Current assets29/58€325,930€209,400€125,719€111,758▼ 11.1%
Amounts receivable within one year40/41€62,187€161,345€37,011€24,925▼ 32.7%
Trade receivables40€17,127€52,563€14,995€8,478▼ 43.5%
Other amounts receivable41€45,060€108,783€22,016€16,447▼ 25.3%
Cash at bank and in hand54/58€263,743€47,775€88,708€86,833▼ 2.1%
Deferred charges and accrued income490/1-€280---
Equity and liabilities
Total equity and liabilities10/49€402,360€462,574€522,524€649,920▲ 24.4%
Equity10/15€347,121€315,505€144,433€17,429▼ 87.9%
Contributions10/11€390,000€430,000€430,000€430,000=
Profit (loss) carried forward14-€42,879-€114,495-€285,567-€412,571▼ 44.5%
Amounts payable17/49€55,240€147,069€378,090€632,492▲ 67.3%
Amounts payable after more than one year17--€270,000€485,489▲ 79.8%
Financial debts170/4--€130,000€257,946▲ 98.4%
Trade debts175--€140,000€227,544▲ 62.5%
Amounts payable within one year42/48€55,240€147,069€108,090€147,002▲ 36.0%
Current portion of amounts payable after more than one year42---€17,978-
Trade debts44€53,910€118,729€40,600€18,718▼ 53.9%
Suppliers440/4€53,910€107,318€40,600€18,718▼ 53.9%
Bills of exchange payable441-€11,412---
Taxes, remuneration and social security45--€5,824€37,197▲ 539%
Taxes450/3--€5,824€25,434▲ 337%
Remuneration and social security454/9---€11,763-
Other amounts payable47/48€1,330€28,339€61,667€73,109▲ 18.6%
Line2022202320242025Change
Profit (loss) for the period9904-€42,879-€71,616-€171,071-€127,005▲ 25.8%
+ Depreciation and write-downs630--€104€5,044▲ 4,748%
Operating cash flow (approximation)-€42,879-€71,616-€170,967-€121,961▲ 28.7%
Investment in fixed assets (approximation)--€176,743-€143,735-€146,401▼ 1.9%
Change in cash--€215,968€40,933-€1,875▼ 105%

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

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
22-08
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial Weakest financial yearnet -€171,071
Net result drops to -€171,071, the lowest in the series; recovery starts the following year.
26-08
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
28-08
NBB filing Annual accounts filed
fiscal year 2022 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
5 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, Mons · 2 establishment units since 2021
seat establishment All 2 establishment units on the map
Ground area
6,776 m²
Building footprint
1,481 m²
Volume, LiDAR
30,367 m³
2 parcels, Brussels, Wallonia · tallest building 30.4 m, ±9 floors. Linked by address, not a title deed.
5 companies at this address See who is registered here
2 establishment units
Decisios
Boulevard Initialis 10, 7000 MonsWholesale trade
since 20212.324.971.323
DECISIOS
Herrmann-Debrouxlaan 54, 1160 OudergemWholesale trade
since 20222.334.974.201
2 parcels
Wallonia 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21332B0081/00H002 Brussels 3,929 m² 1 · 1,150 m² 30.4 m · 9 fl.
53402A0191/00M016 Wallonia 2,847 m² 1 · 331 m² 8.3 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

2 owners

Chain of control

  1. HOLDING FINANCIERE DU PONANT 54.55%
  2. SOCIETE D'INVESTISSEMENT DE MONS, DU BORINAGE ET DU CENTRE 55.8%
  3. IMBC CAPITAL RISQUE 98.7%
  4. IMBC SPINNOVA 74.46%
  5. Decisios

Highest known parent: HOLDING FINANCIERE DU PONANT. The sources do not say who stands above it.

Owners 2

Holdings 0

The accounts to 31-12-2025 list no holdings, and no other source names one.

According to the 2025 annual accounts of Decisios and those 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

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 3,214 companies in sector 62900 we hold annual accounts for 1,743. 1,076 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
Founded09-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
62100Computer programming
Contact
E-mail nha@decisios.beOudergem
Phone +32493322460Oudergem
E-invoicing
Reachable via Peppol
Peppol ID 0208:0776979403
Also 9925:BE0776979403
Registered 15-07-2025

Register as of 27 September 2026 · Peppol Directory

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