DECO-HOUSE-WORKING
ActiveDECO-HOUSE-WORKING has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182k and a net result of €52k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+18
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 5.47 in 2024; short-term debt: 22.9% and cash: 49.3% of total assets), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
77.1%
Return on assets
22.1%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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
29 d late
2024
on the day
2023
on the day
2022
31 d late
2021
1 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€182k▲ 10.9%
2024 · €164k
2018: €96k
2019: €98k
2020: €110k
2021: €130k
2022: €143k
2023: €164k
2024: €164k
2018 → 2025
Total assets
€236k▲ 23.0%
2024 · €192k
2018: €124k
2019: €108k
2020: €145k
2021: €185k
2022: €218k
2023: €203k
2024: €192k
2018 → 2025
Net result
€52k▲ 284%
2024 · €14k
2018: €19k
2019: €2k
2020: €26k
2021: €34k
2022: €19k
2023: €28k
2024: €14k
2018 → 2025
Working capital
€152k▲ 22.3%
2024 · €125k
2018: €90k
2019: €92k
2020: €98k
2021: €97k
2022: €84k
2023: €115k
2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€143k▲ 9.7%€164k▲ 14.9%€164k=€182k▲ 10.9%
Operating result€42k-€30k▼ 29.7%€38k▲ 27.2%€20k▼ 46.6%€65k▲ 221%
Net result€34k-€19k▼ 44.8%€28k▲ 49.4%€14k▼ 51.3%€52k▲ 284%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 221% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €236k
Fixed assets
€29k▼ 25.1%
Current assets
€206k▲ 35.3%
Equity and liabilities €236k
Equity
€182k▲ 10.9%
Debt
€54k▲ 93.6%
The debt ratio rises from 14.5% to 22.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€75k▲
2024 · €30k
Cash flow
€62k▲
2024 · €24k
Solvency
77.1%▼
2024 · 85.5%
Current ratio
3.82▼
2024 · 5.47
Quick ratio
3.80▼
2024 · 5.42
Debt / equity
0.30▲
2024 · 0.17
ROE
28.6%▲
2024 · 8.3%
ROA
22.1%▲
2024 · 7.1%
Interest coverage
215.63▲
2024 · 77.08
Debt
€54k▲
2024 · €28k
Debt ≤ 1 year
€54k▲
2024 · €28k
Income taxes
€15k▲
2024 · €7k
Staff costs
€50k▲
2024 · €48k
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€192k€236k▲
Fixed assets21/28€39k€29k▼
Tangible fixed assets22/27€39k€29k▼
Land and buildings22€19k€16k▼
Furniture and vehicles24€20k€13k▼
Current assets29/58€153k€206k▲
Amounts receivable after more than one year29-€70k
Other amounts receivable291-€70k
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€6k€16k▲
Other amounts receivable41€7k€1k▼
Cash at bank and in hand54/58€138k€116k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€192k€236k▲
Equity10/15€164k€182k▲
Contributions10/11€6k€6k=
Reserves13€158k€175k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€156k€174k▲
Amounts payable17/49€28k€54k▲
Amounts payable within one year42/48€28k€54k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€9k€12k▲
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€14k€38k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€50k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€826€513▼
Gross operating margin9900€80k€125k▲
Operating profit (loss)9901€20k€65k▲
Financial income75/76B€260€2k▲
Recurring financial income75€260€2k▲
Financial charges65/66B€393€346▼
Recurring financial charges65€393€346▼
Profit (loss) for the period before taxes9903€20k€67k▲
Income taxes67/77€7k€15k▲
Profit (loss) for the period9904€14k€52k▲
Profit (loss) for the period to be appropriated9905€14k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€52k▲
Transfer from equity791/2€14k€18k▲
Transfer to equity691/2€14k€35k▲
To other reserves6921€14k€35k▲
Profit to be distributed694/7€14k€34k▲
Return on contributions (dividend)694€14k€18k▲
Directors or managers695-€17k
The notes to these accounts (6 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
30-09
Financial
Highest result since 2018net €52k ▲284%
Operating result €65k, net result €52k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €164k ▲14.9%
6 profitable years in a row build equity to €164k.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €110k ▲12.7%
3 profitable years in a row build equity to €110k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 258 days late
2019
30-09
Financial
Weakest financial yearnet €2k ▼90.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 11.44
Current ratio from 4.74 to 11.44; short-term debt falls from €24k to €9k.
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 152 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Harelbeke · 1 establishment unit since 2008
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.
Bosdreef 508530 HarelbekeGround area
497 m²
Building footprint
125 m²
Volume, LiDAR
582 m³
Parcel 34322C0475/00M002, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DECO-HOUSE-WORKING BVBA
since 20082.168.901.192
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34322C0475/00M002 | Flanders | 497 m² | 1 · 125 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 34,744 EUR awarded · 34,744 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 9,594 EUR | 9,594 EUR |
| 2024 | 1 | 12,323 EUR | 12,323 EUR |
| 2023 | 1 | 12,827 EUR | 12,827 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2007
Fiscal year end30-09
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.