DECO - 3000
ActiveSummary
DECO - 3000 has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €75,401. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 4238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+1
Solvency81▲+3
Growth39▼-2
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75,000 at 30 days acceptable
Liquidity ample (current ratio 2.34 against 2.15 in 2024; short-term debt: 28.1% and cash: 4.9% of total assets), and 44.3% 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
Six 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
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 · 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
55.7%
Return on assets
4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 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
28 d late
2024
27 d late
2023
26 d late
2022
24 d late
2021
17 d late
2020
22 d late
2019
13 d late
← 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 22 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 27 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#3 company by equity in Jurbise, Wholesale and retail trade sector#4 company by total assets in Jurbise, Wholesale and retail trade sector
Turnover
€822,222▼ 9.0%
2024 · €903,651
EBIT margin
14.3%▲ 1.3pp
2024 · 13.0%
Net result
€75,401▼ 0.9%
2024 · €76,049
Working capital
€704,794▲ 15.7%
2024 · €609,303
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.1m€1.1m▲ 5.5%€912,231▼ 17.8%€903,651▼ 0.9%€822,222▼ 9.0%
Operating result€112,415▼ 22.4%€160,872▲ 43.1%€197,698▲ 22.9%€117,754▼ 40.4%€117,580▼ 0.1%
Net result€76,262within the sector's middle half▼ 29.2%€115,945within the sector's middle half▲ 52.0%€128,594above the sector's middle half▲ 10.9%€76,049within the sector's middle half▼ 40.9%€75,401within the sector's middle half▼ 0.9%
EBIT margin10.7%14.5%▲ 3.8pp21.7%▲ 7.2pp13.0%▼ 8.6pp14.3%▲ 1.3pp
Equity€645,789within the sector's middle half▲ 13.4%€761,733within the sector's middle half▲ 18.0%€890,327above the sector's middle half▲ 16.9%€966,332above the sector's middle half▲ 8.5%€1.0mwithin the sector's middle half▲ 7.8%
Total assets€1.3mwithin the sector's middle half▲ 8.1%€1.8mwithin the sector's middle half▲ 32.8%€1.8mwithin the sector's middle half▲ 2.3%€1.8mwithin the sector's middle half▲ 1.1%€1.9mwithin the sector's middle half▲ 2.3%
Debt€685,010▲ 3.6%€1.0m▲ 46.8%€918,131▼ 8.7%€861,961▼ 6.1%€829,179▼ 3.8%
Working capital€353,411within the sector's middle half▼ 16.5%€463,941within the sector's middle half▲ 31.3%€536,137above the sector's middle half▲ 15.6%€609,303above the sector's middle half▲ 13.6%€704,794within the sector's middle half▲ 15.7%
Solvency48.5%within the sector's middle half▲ 2.3pp43.1%within the sector's middle half▼ 5.4pp49.2%within the sector's middle half▲ 6.1pp52.9%within the sector's middle half▲ 3.6pp55.7%within the sector's middle half▲ 2.8pp
Current ratio1.52within the sector's middle half▼ 0.121.58within the sector's middle half▲ 0.071.96within the sector's middle half▲ 0.372.15within the sector's middle half▲ 0.192.34within the sector's middle half▲ 0.19
Return on assets (ROA)5.7%within the sector's middle half▼ 3.0pp6.6%within the sector's middle half▲ 0.8pp7.1%within the sector's middle half▲ 0.6pp4.2%within the sector's middle half▼ 3.0pp4.0%within the sector's middle half▼ 0.1pp
Staff (FTE)3within the sector's middle half=3within the sector's middle half=3within the sector's middle half=3within the sector's middle half=3within the sector's middle half=
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.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€640,734 ▼ 6.8%
Current assets
€1.2m ▲ 7.8%
Equity and liabilities €1.9m
Equity
€1.0m ▲ 7.8%
Debt
€829,179 ▼ 3.8%
Debt's share of the balance-sheet total falls from 47.1% to 44.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€180,191▲
2024 · €174,239
Cash flow
€138,012▲
2024 · €132,534
Quick ratio
1.46▲
2024 · 1.30
Debt to equity
0.80▼
2024 · 0.89
ROE
7.2%▼
2024 · 7.9%
Interest coverage
15.23▲
2024 · 14.26
Debt ≤ 1 year
€525,384▼
2024 · €531,362
Debt > 1 year
€303,795▼
2024 · €330,599
Income taxes
€38,227▼
2024 · €39,838
Staff costs
€65,807▼
2024 · €75,471
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,340 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% | 1.8% |
| 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 17,040 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €1.1m | €1.1m | €912,231 | €903,651 | €822,222 | ▼ 9.0% |
| Goods, raw materials, services and sundry goods60/61 | €859,346 | €862,244 | €595,910 | €643,397 | €568,835 | ▼ 11.6% |
| Remuneration, social security and pensions62 | €64,858 | €70,965 | €70,365 | €75,471 | €65,807 | ▼ 12.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,369 | €13,906 | €43,827 | €56,485 | €62,611 | ▲ 10.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €2,020 | -€374 | €467 | -€1,008 | €681 | ▲ 168% |
| Other operating charges640/8 | €13,337 | €15,390 | €14,453 | €17,975 | €18,551 | ▲ 3.2% |
| Non-recurring operating charges66A | €182 | €161 | €148 | €20 | €738 | ▲ 3,590% |
| Gross operating margin9900 | €206,181 | €260,920 | €326,958 | €266,697 | €265,968 | ▼ 0.3% |
| Operating profit (loss)9901 | €112,415 | €160,872 | €197,698 | €117,754 | €117,580 | ▼ 0.1% |
| Financial income75/76B | €6,520 | €4,271 | €1,902 | €10,355 | €7,880 | ▼ 23.9% |
| Recurring financial income75 | €6,520 | €4,271 | €1,902 | €10,355 | €7,880 | ▼ 23.9% |
| Financial charges65/66B | €7,200 | €12,674 | €14,645 | €12,222 | €11,832 | ▼ 3.2% |
| Recurring financial charges65 | €7,200 | €12,674 | €14,645 | €12,222 | €11,832 | ▼ 3.2% |
| Profit (loss) for the period before taxes9903 | €111,735 | €152,469 | €184,955 | €115,887 | €113,628 | ▼ 1.9% |
| Income taxes67/77 | €35,473 | €36,524 | €56,361 | €39,838 | €38,227 | ▼ 4.0% |
| Profit (loss) for the period9904 | €76,262 | €115,945 | €128,594 | €76,049 | €75,401 | ▼ 0.9% |
| Profit (loss) for the period to be appropriated9905 | €76,262 | €115,945 | €128,594 | €76,049 | €75,401 | ▼ 0.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.8m | €1.8m | €1.8m | €1.9m | ▲ 2.3% |
| Fixed assets21/28 | €292,378 | €507,792 | €711,164 | €687,628 | €640,734 | ▼ 6.8% |
| Tangible fixed assets22/27 | €291,837 | €507,073 | €710,445 | €686,909 | €640,015 | ▼ 6.8% |
| Land and buildings22 | €268,196 | €470,764 | €670,463 | €650,630 | €597,984 | ▼ 8.1% |
| Plant, machinery and equipment23 | €5,986 | €4,885 | €9,768 | €10,595 | €15,665 | ▲ 47.9% |
| Furniture and vehicles24 | €385 | €57 | - | - | - | - |
| Other tangible fixed assets26 | €17,270 | €31,367 | €30,214 | €25,684 | €26,366 | ▲ 2.7% |
| Financial fixed assets28 | €541 | €719 | €719 | €719 | €719 | = |
| Current assets29/58 | €1.0m | €1.3m | €1.1m | €1.1m | €1.2m | ▲ 7.8% |
| Stocks and contracts in progress3 | €468,996 | €461,890 | €470,752 | €451,606 | €464,545 | ▲ 2.9% |
| Stocks30/36 | €468,996 | €461,890 | €470,752 | €451,606 | €464,545 | ▲ 2.9% |
| Amounts receivable within one year40/41 | €47,179 | €241,892 | €19,336 | €47,619 | €16,228 | ▼ 65.9% |
| Trade receivables40 | €46,906 | €231,335 | €19,063 | €47,335 | €15,955 | ▼ 66.3% |
| Other amounts receivable41 | €273 | €10,557 | €273 | €284 | €273 | ▼ 3.9% |
| Current investments50/53 | €8 | €8 | €9 | €500,003 | €653,266 | ▲ 30.7% |
| Cash at bank and in hand54/58 | €521,767 | €555,310 | €588,859 | €137,245 | €92,542 | ▼ 32.6% |
| Deferred charges and accrued income490/1 | €471 | €405 | €18,338 | €4,192 | €3,597 | ▼ 14.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.8m | €1.8m | €1.8m | €1.9m | ▲ 2.3% |
| Equity10/15 | €645,789 | €761,733 | €890,327 | €966,332 | €1.0m | ▲ 7.8% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €61,956 | €61,956 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €61,956 | €61,956 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €61,956 | €61,956 | = |
| Reserves13 | €581,146 | €697,090 | €825,684 | €901,733 | €977,134 | ▲ 8.4% |
| Non-distributable reserves130/1 | €10,700 | €10,700 | €10,700 | €10,700 | €10,700 | = |
| Legal reserve130 | €10,700 | €10,700 | €10,700 | €10,700 | €10,700 | = |
| Distributable reserves133 | €570,446 | €686,390 | €814,984 | €891,033 | €966,434 | ▲ 8.5% |
| Profit (loss) carried forward14 | €2,643 | €2,643 | €2,643 | €2,643 | €2,643 | = |
| Amounts payable17/49 | €685,010 | €1.0m | €918,131 | €861,961 | €829,179 | ▼ 3.8% |
| Amounts payable after more than one year17 | - | €210,000 | €356,974 | €330,599 | €303,795 | ▼ 8.1% |
| Financial debts170/4 | - | €210,000 | €356,974 | €330,599 | €303,795 | ▼ 8.1% |
| Amounts payable within one year42/48 | €685,010 | €795,564 | €561,157 | €531,362 | €525,384 | ▼ 1.1% |
| Current portion of amounts payable after more than one year42 | €6,310 | €67,691 | €43,801 | €41,375 | €38,154 | ▼ 7.8% |
| Trade debts44 | €31,608 | €229,973 | €8,004 | €58,584 | €47,185 | ▼ 19.5% |
| Suppliers440/4 | €31,608 | €229,973 | €8,004 | €58,584 | €47,185 | ▼ 19.5% |
| Advances received on contracts in progress46 | €269,329 | €161,577 | €154,153 | €68,032 | €64,747 | ▼ 4.8% |
| Taxes, remuneration and social security45 | €61,410 | €29,951 | €47,877 | €58,989 | €72,566 | ▲ 23.0% |
| Taxes450/3 | €40,545 | €10,613 | €32,446 | €43,326 | €57,573 | ▲ 32.9% |
| Remuneration and social security454/9 | €20,865 | €19,338 | €15,431 | €15,663 | €14,993 | ▼ 4.3% |
| Other amounts payable47/48 | €316,353 | €306,372 | €307,322 | €304,382 | €302,732 | ▼ 0.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €76,262 | €115,945 | €128,594 | €76,049 | €75,401 | ▼ 0.9% |
| + Depreciation and write-downs630 | €13,369 | €13,906 | €43,827 | €56,485 | €62,611 | ▲ 10.8% |
| Operating cash flow (approximation) | €89,631 | €129,851 | €172,421 | €132,534 | €138,012 | ▲ 4.1% |
| Investment in fixed assets (approximation) | - | -€229,320 | -€247,199 | -€32,949 | -€15,717 | ▲ 52.3% |
| Change in cash | - | €33,543 | €33,549 | -€451,614 | -€44,703 | ▲ 90.1% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €75,401 ▼0.9%
Net result drops to €75,401, the lowest in the series.
31-12
Financial
Equity above €1mEq €1.0m ▲7.8%
8 profitable years in a row build equity to €1.0m.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €128,594 ▲10.9%
Operating result €197,698, net result €128,594, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 17 days late
2021
22-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 22 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 13 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 19 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Jurbise · 1 establishment unit since 1999
Ground area
3,009 m²
Building footprint
1,296 m²
Parcel 53044B0208/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DECO 3000
since 19992.088.662.495
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53044B0208/00G000 | Wallonia | 3,009 m² | 1 · 1,296 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 2,605 companies in sector 47551 we hold annual accounts for 1,723. 1,011 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-08-1998
Fiscal year end31-12
Activities, NACEBEL 2025
47551Retail sale of household furniture
47559Retail sale of other household articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0464038991
Also
9925:BE0464038991
Registered
08-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.