DECLE & CO
ActiveSummary
DECLE & CO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145,391 and a net result of €5,603. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 10.15 against 9.93 in 2024; short-term debt: 8.5% and cash: 22% of total assets), and 12.7% 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
87.3%
Return on assets
3.4%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
30 d early
2023
36 d early
2022
20 d early
2021
40 d early
2020
43 d early
2019
17 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 30 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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. Usually files around 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€145,391▲ 4.0%
2024 · €139,788
Total assets
€166,546▼ 1.0%
2024 · €168,217
Net result
€5,603▼ 4.3%
2024 · €5,856
Working capital
€130,169▲ 2.9%
2024 · €126,444
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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€17,770▲ 16.2%€23,585▲ 32.7%€19,666▼ 16.6%€6,663▼ 66.1%€5,594▼ 16.0%
Net result€13,246within the sector's middle half▲ 18.3%€20,996within the sector's middle half▲ 58.5%€14,805within the sector's middle half▼ 29.5%€5,856within the sector's middle half▼ 60.4%€5,603within the sector's middle half▼ 4.3%
Equity€98,131within the sector's middle half▲ 15.6%€119,126within the sector's middle half▲ 21.4%€133,932within the sector's middle half▲ 12.4%€139,788within the sector's middle half▲ 4.4%€145,391within the sector's middle half▲ 4.0%
Total assets€109,061within the sector's middle half▲ 14.3%€161,178within the sector's middle half▲ 47.8%€173,497within the sector's middle half▲ 7.6%€168,217within the sector's middle half▼ 3.0%€166,546within the sector's middle half▼ 1.0%
Debt€10,930▲ 4.0%€42,051▲ 285%€39,565▼ 5.9%€28,429▼ 28.1%€21,156▼ 25.6%
Working capital€96,996within the sector's middle half▲ 26.2%€111,642within the sector's middle half▲ 15.1%€119,103within the sector's middle half▲ 6.7%€126,444within the sector's middle half▲ 6.2%€130,169within the sector's middle half▲ 2.9%
Solvency90.0%above the sector's middle half▲ 1.0pp73.9%within the sector's middle half▼ 16.1pp77.2%within the sector's middle half▲ 3.3pp83.1%above the sector's middle half▲ 5.9pp87.3%above the sector's middle half▲ 4.2pp
Current ratio9.87above the sector's middle half▲ 1.569.12above the sector's middle half▼ 0.767.55above the sector's middle half▼ 1.569.93above the sector's middle half▲ 2.3810.15above the sector's middle half▲ 0.22
Return on assets (ROA)12.1%within the sector's middle half▲ 0.4pp13.0%within the sector's middle half▲ 0.9pp8.5%within the sector's middle half▼ 4.5pp3.5%within the sector's middle half▼ 5.1pp3.4%within the sector's middle half▼ 0.1pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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 has fallen three years in a row; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166,546
Fixed assets
€22,148 ▼ 19.8%
Current assets
€144,398 ▲ 2.7%
Equity and liabilities €166,546
Equity
€145,391 ▲ 4.0%
Debt
€21,156 ▼ 25.6%
Debt's share of the balance-sheet total falls from 16.9% to 12.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14,805▼
2024 · €15,269
Cash flow
€14,814▲
2024 · €14,462
Debt to equity
0.15▼
2024 · 0.20
ROE
3.9%▼
2024 · 4.2%
Interest coverage
17.03▲
2024 · 13.63
Debt ≤ 1 year
€14,229▲
2024 · €14,162
Debt > 1 year
€6,926▼
2024 · €14,267
Income taxes
€1,691▼
2024 · €1,889
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% 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
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 10,905 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 | €7,647 | €903 | €7,824 | €8,606 | €9,211 | ▲ 7.0% |
| Other operating charges640/8 | €1,187 | €659 | €699 | €773 | €729 | ▼ 5.6% |
| Gross operating margin9900 | €26,604 | €25,146 | €28,189 | €16,041 | €15,534 | ▼ 3.2% |
| Operating profit (loss)9901 | €17,770 | €23,585 | €19,666 | €6,663 | €5,594 | ▼ 16.0% |
| Financial income75/76B | - | €55 | €522 | €2,203 | €2,570 | ▲ 16.7% |
| Recurring financial income75 | - | €55 | €522 | €2,203 | €2,570 | ▲ 16.7% |
| Financial charges65/66B | €170 | €665 | €1,377 | €1,121 | €869 | ▼ 22.4% |
| Recurring financial charges65 | €170 | €665 | €1,377 | €1,121 | €869 | ▼ 22.4% |
| Profit (loss) for the period before taxes9903 | €17,600 | €22,975 | €18,811 | €7,745 | €7,294 | ▼ 5.8% |
| Income taxes67/77 | €4,354 | €1,979 | €4,005 | €1,889 | €1,691 | ▼ 10.5% |
| Profit (loss) for the period9904 | €13,246 | €20,996 | €14,805 | €5,856 | €5,603 | ▼ 4.3% |
| Profit (loss) for the period to be appropriated9905 | €13,246 | €20,996 | €14,805 | €5,856 | €5,603 | ▼ 4.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €109,061 | €161,178 | €173,497 | €168,217 | €166,546 | ▼ 1.0% |
| Fixed assets21/28 | €1,134 | €35,781 | €36,216 | €27,611 | €22,148 | ▼ 19.8% |
| Tangible fixed assets22/27 | €1,134 | €35,781 | €36,216 | €27,611 | €22,148 | ▼ 19.8% |
| Land and buildings22 | €250 | €0 | - | - | - | - |
| Plant, machinery and equipment23 | €700 | €543 | €3,692 | €3,203 | €5,835 | ▲ 82.2% |
| Furniture and vehicles24 | €184 | €35,238 | €32,525 | €24,408 | €16,313 | ▼ 33.2% |
| Current assets29/58 | €107,926 | €125,397 | €137,280 | €140,606 | €144,398 | ▲ 2.7% |
| Amounts receivable within one year40/41 | - | €17,917 | €3,995 | €2,756 | €5,834 | ▲ 112% |
| Trade receivables40 | - | €8,268 | €0 | - | - | - |
| Other amounts receivable41 | - | €9,649 | €3,995 | €2,756 | €5,834 | ▲ 112% |
| Current investments50/53 | - | - | €100,000 | €100,000 | €100,000 | = |
| Cash at bank and in hand54/58 | €105,405 | €105,928 | €31,537 | €36,012 | €36,631 | ▲ 1.7% |
| Deferred charges and accrued income490/1 | €2,521 | €1,552 | €1,749 | €1,839 | €1,933 | ▲ 5.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €109,061 | €161,178 | €173,497 | €168,217 | €166,546 | ▼ 1.0% |
| Equity10/15 | €98,131 | €119,126 | €133,932 | €139,788 | €145,391 | ▲ 4.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €91,931 | €112,926 | €127,732 | €133,588 | €139,191 | ▲ 4.2% |
| Distributable reserves133 | €91,931 | €112,926 | €127,732 | €133,588 | €139,191 | ▲ 4.2% |
| Amounts payable17/49 | €10,930 | €42,051 | €39,565 | €28,429 | €21,156 | ▼ 25.6% |
| Amounts payable after more than one year17 | - | €28,297 | €21,388 | €14,267 | €6,926 | ▼ 51.5% |
| Financial debts170/4 | - | €28,297 | €21,388 | €14,267 | €6,926 | ▼ 51.5% |
| Amounts payable within one year42/48 | €10,930 | €13,754 | €18,177 | €14,162 | €14,229 | ▲ 0.5% |
| Current portion of amounts payable after more than one year42 | €0 | €6,703 | €6,909 | €7,121 | €7,340 | ▲ 3.1% |
| Trade debts44 | €933 | €2,813 | €6,285 | €2,650 | €2,320 | ▼ 12.5% |
| Suppliers440/4 | €933 | €2,813 | €6,285 | €2,650 | €2,320 | ▼ 12.5% |
| Taxes, remuneration and social security45 | €7,284 | €3,150 | €4,015 | €3,786 | €4,255 | ▲ 12.4% |
| Taxes450/3 | €7,284 | €3,150 | €4,015 | €3,786 | €4,255 | ▲ 12.4% |
| Other amounts payable47/48 | €2,713 | €1,089 | €968 | €605 | €314 | ▼ 48.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,246 | €20,996 | €14,805 | €5,856 | €5,603 | ▼ 4.3% |
| + Depreciation and write-downs630 | €7,647 | €903 | €7,824 | €8,606 | €9,211 | ▲ 7.0% |
| Operating cash flow (approximation) | €20,893 | €21,898 | €22,629 | €14,462 | €14,814 | ▲ 2.4% |
| Investment in fixed assets (approximation) | - | -€35,549 | -€8,259 | €0 | -€3,748 | - |
| Change in cash | - | €523 | -€74,391 | €4,475 | €619 | ▼ 86.2% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €5,603 ▼4.3%
Net result drops to €5,603, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €20,996 ▲58.5%
Operating result €23,585, net result €20,996, both a record.
31-12
Financial
Equity above €100,000Eq €119,126 ▲21.4%
5 profitable years in a row build equity to €119,126.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
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, Lochristi · 1 establishment unit since 2011
Ground area
1,227 m²
Building footprint
336 m²
Volume, LiDAR
1,512 m³
Parcel 44034C0246/00B003, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DECLE & CO
since 20112.199.955.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0246/00B003 | Flanders | 1,227 m² | 1 · 336 m² | 8.5 m · 1 fl. |
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 82,646 companies in sector 70200 we hold annual accounts for 52,627. 40,878 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
Founded30-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0836757335
Also
9925:BE0836757335
Registered
18-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.