DECOAMCO
ActiveSummary
DECOAMCO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100,861 and a net result of €6,501. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability23▼-18
Solvency57▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.43 against 1.39 in 2024; short-term debt: 68.4% and cash: 0.3% of total assets), and 68.4% 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+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
Specialised construction activities (NACE 43)
about 85% 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
31.6%
Return on assets
2%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
24 d early
2024
7 d early
2023
9 d early
2022
31 d late
2021
74 d late
2020
212 d late
2019
77 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 51 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 24 July (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€100,861▲ 6.9%
2024 · €94,360
Total assets
€319,545▼ 5.5%
2024 · €338,165
Net result
€6,501▲ 33.3%
2024 · €4,877
Working capital
€94,886▲ 0.6%
2024 · €94,360
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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€45,059▲ 18.2%€101,764▲ 126%€53,793▼ 47.1%-€5,120-€67▲ 98.7%
Net result€58,701above the sector's middle half▲ 121%€87,287above the sector's middle half▲ 48.7%€37,774above the sector's middle half▼ 56.7%€4,877within the sector's middle half▼ 87.1%€6,501within the sector's middle half▲ 33.3%
Equity€49,422within the sector's middle half▲ 21.4%€51,710within the sector's middle half▲ 4.6%€89,483within the sector's middle half▲ 73.0%€94,360within the sector's middle half▲ 5.4%€100,861within the sector's middle half▲ 6.9%
Total assets€141,931within the sector's middle half▲ 65.3%€237,867within the sector's middle half▲ 67.6%€287,763within the sector's middle half▲ 21.0%€338,165above the sector's middle half▲ 17.5%€319,545above the sector's middle half▼ 5.5%
Debt€92,508▲ 105%€186,158▲ 101%€198,280▲ 6.5%€243,805▲ 23.0%€218,685▼ 10.3%
Working capital€48,937within the sector's middle half▲ 12.0%€51,417within the sector's middle half▲ 5.1%€89,483above the sector's middle half▲ 74.0%€94,360above the sector's middle half▲ 5.4%€94,886above the sector's middle half▲ 0.6%
Solvency34.8%within the sector's middle half▼ 12.6pp21.7%below the sector's middle half▼ 13.1pp31.1%within the sector's middle half▲ 9.4pp27.9%within the sector's middle half▼ 3.2pp31.6%within the sector's middle half▲ 3.7pp
Current ratio1.53within the sector's middle half▼ 0.511.28within the sector's middle half▼ 0.251.45within the sector's middle half▲ 0.181.39within the sector's middle half▼ 0.061.43within the sector's middle half▲ 0.05
Return on assets (ROA)41.4%above the sector's middle half▲ 10.4pp36.7%above the sector's middle half▼ 4.7pp13.1%within the sector's middle half▼ 23.6pp1.4%within the sector's middle half▼ 11.7pp2.0%within the sector's middle half▲ 0.6pp
Staff (FTE)0.3
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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 stays negative: a loss of €67 in 2025 against €5,120 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €319,545
Fixed assets
€5,975
Current assets
€313,570
Equity and liabilities €319,545
Equity
€100,861 ▲ 6.9%
Debt
€218,685 ▼ 10.3%
Debt's share of the balance-sheet total falls from 72.1% to 68.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€444
Cash flow
€7,012
Debt to equity
2.17▼
2024 · 2.58
ROE
6.4%▲
2024 · 5.2%
Interest coverage
0.23
Debt ≤ 1 year
€218,685▼
2024 · €243,805
Income taxes
€4,013▼
2024 · €4,658
Staff costs
€15,763▲
2024 · €4,624
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.7%
stopped otherwise
94%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 5,049 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €593 | €1,851 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €22,425 | €13,550 | €4,184 | €4,624 | €15,763 | ▲ 241% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €92 | €193 | - | - | €511 | - |
| Other operating charges640/8 | €2,248 | €1,220 | €2,253 | €2,962 | €2,979 | ▲ 0.6% |
| Non-recurring operating charges66A | - | €1,438 | - | - | €1,731 | - |
| Gross operating margin9900 | €69,824 | €118,164 | €60,230 | €2,465 | €20,917 | ▲ 748% |
| Operating profit (loss)9901 | €45,059 | €101,764 | €53,793 | -€5,120 | -€67 | ▲ 98.7% |
| Financial income75/76B | €2,362 | €4,840 | €1,092 | €18,398 | €12,543 | ▼ 31.8% |
| Recurring financial income75 | €2,362 | €4,840 | €1,092 | €18,398 | €12,543 | ▼ 31.8% |
| Financial charges65/66B | €1,558 | €852 | €1,892 | €3,744 | €1,962 | ▼ 47.6% |
| Recurring financial charges65 | €1,558 | €852 | €1,892 | €3,744 | €1,962 | ▼ 47.6% |
| Profit (loss) for the period before taxes9903 | €45,863 | €105,751 | €52,994 | €9,535 | €10,514 | ▲ 10.3% |
| Income taxes67/77 | -€12,838 | €18,464 | €15,220 | €4,658 | €4,013 | ▼ 13.8% |
| Profit (loss) for the period9904 | €58,701 | €87,287 | €37,774 | €4,877 | €6,501 | ▲ 33.3% |
| Profit (loss) for the period to be appropriated9905 | €58,701 | €87,287 | €37,774 | €4,877 | €6,501 | ▲ 33.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €141,931 | €237,867 | €287,763 | €338,165 | €319,545 | ▼ 5.5% |
| Fixed assets21/28 | €485 | €293 | - | - | €5,975 | - |
| Tangible fixed assets22/27 | €485 | €293 | - | - | €5,765 | - |
| Furniture and vehicles24 | €485 | €293 | - | - | €5,765 | - |
| Financial fixed assets28 | - | - | - | - | €210 | - |
| Current assets29/58 | €141,445 | €237,574 | €287,763 | €338,165 | €313,570 | ▼ 7.3% |
| Amounts receivable after more than one year29 | €118,436 | €174,660 | €230,365 | €244,763 | €253,330 | ▲ 3.5% |
| Other amounts receivable291 | €118,436 | €174,660 | €230,365 | €244,763 | €253,330 | ▲ 3.5% |
| Amounts receivable within one year40/41 | €22,238 | €61,459 | €57,171 | €93,402 | €59,155 | ▼ 36.7% |
| Trade receivables40 | €21,383 | €61,459 | €15,105 | €0 | €2,000 | - |
| Other amounts receivable41 | €855 | - | €42,066 | €93,402 | €57,155 | ▼ 38.8% |
| Cash at bank and in hand54/58 | - | - | - | - | €943 | - |
| Deferred charges and accrued income490/1 | €771 | €1,455 | €227 | €0 | €142 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €141,931 | €237,867 | €287,763 | €338,165 | €319,545 | ▼ 5.5% |
| Equity10/15 | €49,422 | €51,710 | €89,483 | €94,360 | €100,861 | ▲ 6.9% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | - | - | - | - |
| Issued capital100 | €18,600 | €18,600 | - | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | - | - | - | - |
| Outside capital11 | - | - | €6,200 | - | - | - |
| Other1109/19 | - | - | €6,200 | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €41,362 | €43,650 | €81,423 | €86,300 | €92,801 | ▲ 7.5% |
| Amounts payable17/49 | €92,508 | €186,158 | €198,280 | €243,805 | €218,685 | ▼ 10.3% |
| Amounts payable within one year42/48 | €92,508 | €186,158 | €198,280 | €243,805 | €218,685 | ▼ 10.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €4,589 | - |
| Financial debts43 | €5,079 | €3,411 | €5,191 | €5,231 | €5,243 | ▲ 0.2% |
| Credit institutions430/8 | €5,079 | €3,411 | €5,191 | €5,231 | €5,243 | ▲ 0.2% |
| Trade debts44 | €22,314 | €27,121 | €22,357 | €43,985 | €49,481 | ▲ 12.5% |
| Suppliers440/4 | €22,314 | €27,121 | €22,357 | €43,985 | €49,481 | ▲ 12.5% |
| Taxes, remuneration and social security45 | €114 | €5,626 | €20,732 | €44,589 | €9,371 | ▼ 79.0% |
| Taxes450/3 | €114 | €5,626 | €20,732 | €44,589 | €9,371 | ▼ 79.0% |
| Other amounts payable47/48 | €65,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58,701 | €87,287 | €37,774 | €4,877 | €6,501 | ▲ 33.3% |
| + Depreciation and write-downs630 | €92 | €193 | - | - | €511 | - |
| Operating cash flow (approximation) | €58,793 | €87,480 | €37,774 | €4,877 | €7,012 | ▲ 43.8% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €100,861 ▲6.9%
8 profitable years in a row build equity to €100,861.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €87,287 ▲48.7%
Operating result €101,764, net result €87,287, both a record.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 212 days late
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 77 days late
2019
31-12
Financial
Weakest financial yearnet €2,273 ▼93.6%
Net result drops to €2,273, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Namur · 1 establishment unit since 2018
Ground area
264 m²
Building footprint
99 m²
Parcel 92039A0385/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DECOAMCO
since 20182.273.013.074
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0385/00A000 | Wallonia | 264 m² | 1 · 99 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 7,868 companies in sector 43341 we hold annual accounts for 2,665. 2,270 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 (pre-2019)
Founded11-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43350Other building finishing work
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0687816112
Registered
25-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.