DECO & DESIGN EXPERT
ActiveThe computed 12-month bankruptcy probability of DECO & DESIGN EXPERT is 1.5% (moderate). The 2025 annual accounts show negative equity (€-14k) and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 27559 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+36
Solvency17▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.79 against 0.66 in 2024; short-term debt: 78.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-7.6%
Return on assets
-2.1%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-14k
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
9 d early
2023
16 d early
2022
4 d late
2021
31 d late
2020
31 d late
2019
33 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-14k▼ 38.9%
2024 · €-10k
2018: €22k
2019: €23k
2020: €27k
2021: €31k
2022: €57k
2023: €87k
2024: €-10k
2018 → 2025
Total assets
€185k▼ 18.3%
2024 · €226k
2018: €67k
2019: €52k
2020: €81k
2021: €72k
2022: €206k
2023: €270k
2024: €226k
2018 → 2025
Net result
€-4k▲ 95.9%
2024 · €-97k
2018: €16k
2019: €1k
2020: €4k
2021: €3k
2022: €27k
2023: €30k
2024: €-97k
2018 → 2025
Working capital
€-31k▲ 35.7%
2024 · €-48k
2018: €-12k
2019: €-16k
2020: €7k
2021: €31k
2022: €30k
2023: €62k
2024: €-48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€57k▲ 87.0%€87k▲ 51.8%€-10k€-14k▼ 38.9%
Operating result€5k-€34k▲ 561%€39k▲ 14.2%€-86k€9k
Net result€3k-€27k▲ 705%€30k▲ 11.4%€-97k€-4k▲ 95.9%
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 returns to profit in 2025: €9k after a loss of €86k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€71k▼ 46.3%
Current assets
€114k▲ 20.9%
Key figures and ratios
EBITDA
€33k▲
2024 · €-45k
Cash flow
€20k▲
2024 · €-57k
Solvency
-7.6%▼
2024 · -4.5%
Current ratio
0.79▲
2024 · 0.66
Quick ratio
0.79▲
2024 · 0.66
Debt / equity
-14.07▲
2024 · -23.22
ROA
-2.1%▲
2024 · -43.0%
Interest coverage
2.41▲
2024 · -3.92
Debt
€199k▼
2024 · €236k
Debt ≤ 1 year
€145k▲
2024 · €143k
Debt > 1 year
€54k▼
2024 · €94k
Income taxes
€155▼
2024 · €226
Staff costs
€27k▼
2024 · €32k
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€226k€185k▼
Fixed assets21/28€132k€71k▼
Tangible fixed assets22/27€132k€71k▼
Plant, machinery and equipment23€690€2k▲
Furniture and vehicles24€120k€60k▼
Leasing and similar rights25€11k€9k▼
Current assets29/58€94k€114k▲
Amounts receivable within one year40/41€82k€112k▲
Trade receivables40€29k€66k▲
Other amounts receivable41€52k€46k▼
Cash at bank and in hand54/58€12k-
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€226k€185k▼
Equity10/15€-10k€-14k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-16k€-20k▼
Amounts payable17/49€236k€199k▼
Amounts payable after more than one year17€94k€54k▼
Financial debts170/4€94k€54k▼
Amounts payable within one year42/48€143k€145k▲
Current portion of amounts payable after more than one year42€39k€39k▲
Financial debts43€25k€30k▲
Credit institutions430/8€25k€30k▲
Trade debts44€38k€37k▼
Suppliers440/4€38k€37k▼
Taxes, remuneration and social security45€41k€39k▼
Taxes450/3€25k€13k▼
Remuneration and social security454/9€15k€26k▲
Income statement
Code20242025
Remuneration, social security and pensions62€32k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€24k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€65k-
Other operating charges640/8€2k€9k▲
Gross operating margin9900€53k€68k▲
Operating profit (loss)9901€-86k€9k▲
Financial income75/76B€164€749▲
Recurring financial income75€164€749▲
Financial charges65/66B€12k€14k▲
Recurring financial charges65€12k€14k▲
Profit (loss) for the period before taxes9903€-97k€-4k▲
Income taxes67/77€226€155▼
Profit (loss) for the period9904€-97k€-4k▲
Profit (loss) for the period to be appropriated9905€-97k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-97k€-20k▲
Profit (loss) brought forward from the previous period14P-€-16k
Transfer from equity791/2€81k-
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-97k ▼427%
Net result drops to €-97k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €30k ▲11.4%
Operating result €39k, net result €30k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 1.14
Current ratio from 0.43 to 1.14.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 33 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lebbeke · 1 establishment unit since 2017
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.
Benoit De Donderstraat 189280 LebbekeGround area
1,576 m²
Building footprint
168 m²
Volume, LiDAR
656 m³
Parcel 42322C0767/00M000, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Benoit De Donderstraat 18, 9280 Lebbeke
since 20172.270.528.686
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42322C0767/00M000 | Flanders | 1,576 m² | 1 · 168 m² | 8.6 m · 1 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.
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MUNDIAL DECOR INTERNATIONAL
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I & I Projects
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Of 7,289 companies in sector 43350 we hold annual accounts for 2,360. 1,989 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2017
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.