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DECO - INVEST

Active
Public limited companyfounded 1990active for 36 yearsFelix Verhaeghestraat 39, 8790 Waregem, BelgiumKBO/BCE: BE 0441.255.572
Summary

DECO - INVEST has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €603,570 and a net result of -€21,026. Equity has been stable since 2018 (±0.1% per year). Its solvency ranks better than 50% of 6,167 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 26-06-1990 Normal situation
Activity
Agents specialised in the wholesale of other particular products NACE 46180and 1 other
Joint committee
323 Paritair Comité voor het beheer van gebouwen, de vastgoedmakelaars en de dienstboden · annual accounts 2025
Establishment unit
2.050.117.071 8790 Waregem, since 17-07-1990
Financial year end
31 December
Peppol
Reachable since 21-10-2026

Board and ownership

Shareholders
  • G.D.M.· score 9430-12-2025 annual accounts of G.D.M.
  • Catherine Dedeyneannual accounts 2017
  • Francoise Dedeyneannual accounts 2017
and 2 other shareholders

Financial position

89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€105,160
▲ 54.6%
Turnover
≈ €400,000
estimated
Loss
€21,026
▼ 43.1%
Equity
€603,570
▼ 3.4%
Total assets
€1.3m
▼ 0.8%
Employees on 31-12-2025
1
=
  • 2025 accounts filed 59 days after the deadline
Filed on 28-09-2026
Score breakdownraises riskLast filed accounts filed 59 days late; 1 of the last 3 accounts latelowers riskFounded in 1990Size: 0.5 FTE, total assets €1.3mLegal form: public limited companyShow the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 36% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Average
Solvency 70-1
equity 44.9% of total assets
Liquidity 33-4
short-term debt 52.1% · cash 7.1%
Profitability 33+12
return on assets -1.6%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025 09-2025: 0.4%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 0.1%▼ -0.3 percentage points vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.1%▼ -0.2 percentage points vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.38 (1.32 in 2024), below the usual 1.5. Short-term debt is 52.1% and cash 7.1% of total assets. 55.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 53% of them on solvency, 30% on liquidity, 27% on profitability and 33% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Founded in 1990
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: 0.5 FTE, total assets €1.3m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 59 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Legal form: public limited company
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€21,026
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
59 days late
2024
29 days late
2023
7 days early
2022
59 days late
2021
26 days late
2020
19 days late
2019
20 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 29 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 3 loss-making years in a rowloss in financial year 2025 -€21,026 View
  • Caution: Lower net result than 81% of companies in wholesale tradesector median €112,000 · 6,101 companies -€21,026 View

Recent changes

  1. · Gazette deed Resignation: NV IMMO-DM (director)Permanent representative: MAES Joanna · Appointments: DEDEYNE Françoise Simonne Michèle (director) and DEDEYNE Guy René Georges (director)
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as DECO - INVEST: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €842,000 and €2m, founded between 1982 and 1999.

CompanyTotal assetsGross margin
DECO - INVEST Waregem€1.3m€0.1m
S.B. and Partners Waterloo€1.5m€0.08m
TRUCK SERVICE ASSENEDE Lievegem€1.1m€0.09m
AMARE Lochristi€1.0m€0.1m
ELIZABETH CARBIDE EUROPE Aartselaar€0.8m€0.09m
EUROPEAN FINANCIAL AND TRADING CY Florennes€2.0m€0.2m
EUROBIZZ Brugge€1.3m€0.3m
Full comparison

Key facts about DECO - INVEST

What is the company number of DECO - INVEST?
The company number of DECO - INVEST is 0441.255.572. The VAT number is the same number with BE in front: BE 0441.255.572.
Where is DECO - INVEST based?
The registered office is at Felix Verhaeghestraat 39, 8790 Waregem.Company details
What does DECO - INVEST do?
According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
What is the legal form of DECO - INVEST?
The legal form of DECO - INVEST is Public limited company (NV).
When was DECO - INVEST founded?
DECO - INVEST was founded on 26-06-1990.
Is DECO - INVEST still active?
Yes, DECO - INVEST is an active enterprise in the KBO register.
How many employees does DECO - INVEST have?
DECO - INVEST had an average of 0.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does DECO - INVEST fall under?
In its 2025 annual accounts, DECO - INVEST states joint committee 323 (Paritair Comité voor het beheer van gebouwen, de vastgoedmakelaars en de dienstboden).
What is the turnover of DECO - INVEST?
The turnover in financial year 2025 is ≈ €400,000. This figure is estimated from the gross margin of €105,160 and 31 comparable companies (NACE 461). It probably lies between €190,000 and €960,000.
Is DECO - INVEST profitable?
In financial year 2025, DECO - INVEST made a loss of €21,026.
Where can I find the annual accounts of DECO - INVEST?
DECO - INVEST filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of DECO - INVEST due?
DECO - INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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