DECKERS - TEGELDECOR
ActiveDECKERS - TEGELDECOR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €916k and a net result of €2k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 87% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-44
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 10.09 against 9.19 in 2024), and 15.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
84.4%
Return on assets
0.1%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
44 d early
2023
6 d early
2022
23 d late
2021
38 d early
2020
39 d early
2019
23 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€916k▲ 0.2%
2024 · €914k
2018: €800k
2019: €832k
2020: €935k
2021: €1.04M
2022: €790k
2023: €832k
2024: €914k
2018 → 2025
Total assets
€1.08M▲ 3.3%
2024 · €1.05M
2018: €926k
2019: €982k
2020: €1.04M
2021: €1.19M
2022: €961k
2023: €977k
2024: €1.05M
2018 → 2025
Net result
€2k▼ 98.0%
2024 · €81k
2018: €33k
2019: €32k
2020: €102k
2021: €102k
2022: €86k
2023: €43k
2024: €81k
2018 → 2025
Working capital
€884k▼ 5.1%
2024 · €932k
2018: €755k
2019: €815k
2020: €921k
2021: €1.03M
2022: €781k
2023: €826k
2024: €932k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.04M-€790k▼ 23.8%€832k▲ 5.4%€914k▲ 9.8%€916k▲ 0.2%
Operating result€152k-€114k▼ 24.7%€57k▼ 50.4%€88k▲ 54.9%€2k▼ 98.1%
Net result€102k-€86k▼ 16.2%€43k▼ 50.3%€81k▲ 90.7%€2k▼ 98.0%
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 falls in 2025; 2025 is 98% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€103k▲ 2,483%
Current assets
€982k▼ 6.1%
Equity and liabilities €1.08M
Equity
€916k▲ 0.2%
Provisions
€21k▼ 3.3%
Debt
€148k▲ 29.1%
The debt ratio rises from 10.9% to 13.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€7k▼
2024 · €90k
Cash flow
€7k▼
2024 · €84k
Solvency
84.4%▼
2024 · 87.0%
Current ratio
10.09▲
2024 · 9.19
Quick ratio
8.93▲
2024 · 7.89
Debt / equity
0.16▲
2024 · 0.13
ROE
0.2%▼
2024 · 8.9%
ROA
0.1%▼
2024 · 7.8%
Interest coverage
2.52▼
2024 · 16.13
Debt
€148k▲
2024 · €115k
Debt ≤ 1 year
€97k▼
2024 · €114k
Debt > 1 year
€51k
Income taxes
€1k▼
2024 · €6k
Staff costs
€119k▲
2024 · €117k
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€1.05M€1.08M▲
Fixed assets21/28€4k€103k▲
Tangible fixed assets22/27€4k€102k▲
Land and buildings22€2k€40k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€1k€62k▲
Financial fixed assets28€169€169=
Current assets29/58€1.05M€982k▼
Stocks and contracts in progress3€148k€112k▼
Stocks30/36€148k€112k▼
Amounts receivable within one year40/41€179k€100k▼
Trade receivables40€24k€51k▲
Other amounts receivable41€155k€49k▼
Current investments50/53€435k€436k▲
Cash at bank and in hand54/58€281k€330k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.08M▲
Equity10/15€914k€916k▲
Contributions10/11€186k€186k=
Capital10€186k€186k=
Issued capital100€186k€186k=
Reserves13€728k€730k▲
Non-distributable reserves130/1€52k€52k=
Legal reserve130€52k€52k=
Tax-exempt reserves132€190k€125k▼
Distributable reserves133€486k€553k▲
Provisions and deferred taxes16€21k€21k▼
Deferred taxes168€21k€21k▼
Amounts payable17/49€115k€148k▲
Amounts payable after more than one year17-€51k
Financial debts170/4-€51k
Amounts payable within one year42/48€114k€97k▼
Current portion of amounts payable after more than one year42-€12k
Financial debts43€8k€0▼
Credit institutions430/8€8k€0▼
Trade debts44€61k€53k▼
Suppliers440/4€61k€53k▼
Advances received on contracts in progress46€26k€11k▼
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€15k€15k▲
Accrued charges and deferred income492/3€968€0▼
Income statement
Code20242025
Non-recurring operating income76A€85k€1k▼
Remuneration, social security and pensions62€117k€119k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€198
Other operating charges640/8€1k€4k▲
Gross operating margin9900€209k€130k▼
Operating profit (loss)9901€88k€2k▼
Financial income75/76B€26k€4k▼
Recurring financial income75€26k€4k▼
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€109k€2k▼
Transfer from deferred taxes780-€704
Transfer to deferred taxes680€21k€0▼
Income taxes67/77€6k€1k▼
Profit (loss) for the period9904€81k€2k▼
Transfer from tax-exempt reserves789-€65k
Transfer to tax-exempt reserves689€64k€0▼
Profit (loss) for the period to be appropriated9905€18k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€67k▲
Transfer to equity691/2€18k€67k▲
To other reserves6921€18k€67k▲
The notes to these accounts (14 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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼98%
Net result drops to €2k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €102k ▲0.2%
Operating result €152k, net result €102k, both a record.
31-12
Financial
Equity above €1MEq €1.04M ▲11%
4 profitable years in a row build equity to €1.04M.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Dilsen-Stokkem · 1 establishment unit since 1990
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.
Rijksweg 8833650 Dilsen-StokkemGround area
255 m²
Building footprint
299 m²
Volume, LiDAR
1,961 m³
Parcel 72007B1492/00M000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DECKERS - TEGELDECOR NV
since 19902.046.444.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72007B1492/00M000 | Flanders | 255 m² | 1 · 299 m² | 9.2 m · 2 fl. |
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 · 89 EUR awarded · 89 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 89 EUR | 89 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
PROFINE BELUX
BE 0450.198.873
Grimbergen · Eq €915k
TRB
BE 0729.736.641
Lo-Reninge · Eq €915k
SLOTS PHILIP
BE 0455.407.575
Spiere-Helkijn · Eq €914k
Bouckaert Investment Group
BE 0439.275.584
Brugge · Eq €913k
Van Huele - oude bouwmaterialen
BE 0425.417.056
Beernem · Eq €909k
Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 1,011 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-07-1989
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.