DECOBEL
ActiveDECOBEL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328k and a net result of €32k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 78% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +52 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+48
Solvency100=
Growth22=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.56 against 4.8 in 2024), and 26.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
73.2%
Return on assets
7.1%
Age of the figures
8 mo
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
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
14 d early
2023
174 d late
2022
58 d late
2021
87 d late
2020
3 d early
2019
108 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€529k▼ 28.4%
2023 · €739k
2019: €1.15M
2020: €894k
2021: €865k
2022: €906k
2023: €739k
2019 → 2024
EBIT margin
-28.2%▼ 31.3pp
2023 · 3.1%
2019: 6.5%
2020: 8.4%
2021: 3.6%
2022: 0.9%
2023: 3.1%
2019 → 2024
Net result
€32k
2024 · €-152k
2019: €48k
2020: €31k
2021: €27k
2022: €2k
2023: €12k
2024: €-152k
2019 → 2025
Working capital
€262k▲ 6.2%
2024 · €247k
2019: €348k
2020: €382k
2021: €397k
2022: €399k
2023: €397k
2024: €247k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€865k-€906k▲ 4.8%€739k▼ 18.4%€529k▼ 28.4%
Equity€434k-€436k▲ 0.5%€447k▲ 2.7%€296k▼ 33.9%€328k▲ 10.7%
Operating result€31k-€8k▼ 73.0%€23k▲ 176%€-149k€51k
Net result€27k-€2k▼ 92.2%€12k▲ 454%€-152k€32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €51k after a loss of €149k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €447k
Fixed assets
€128k▲ 39.7%
Current assets
€320k▲ 2.5%
Equity and liabilities €447k
Equity
€328k▲ 10.7%
Debt
€120k▲ 11.5%
The debt ratio rises from 26.7% to 26.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€75k▲
2024 · €-128k
Cash flow
€55k▲
2024 · €-131k
Solvency
73.2%▼
2024 · 73.3%
Current ratio
5.56▲
2024 · 4.80
Quick ratio
5.56▲
2024 · 4.80
Debt / equity
0.37▲
2024 · 0.36
ROE
9.7%▲
2024 · -51.3%
ROA
7.1%▲
2024 · -37.6%
Interest coverage
16.43▲
2024 · -53.49
Debt
€120k▲
2024 · €108k
Debt ≤ 1 year
€57k▼
2024 · €65k
Debt > 1 year
€62k▲
2024 · €43k
Income taxes
€17k▲
2024 · €952
Staff costs
€10k▼
2024 · €15k
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€403k€447k▲
Fixed assets21/28€92k€128k▲
Tangible fixed assets22/27€92k€128k▲
Land and buildings22€57k€48k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€34k€80k▲
Current assets29/58€312k€320k▲
Stocks and contracts in progress3€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€199k€203k▲
Trade receivables40€109k€107k▼
Other amounts receivable41€89k€96k▲
Cash at bank and in hand54/58€111k€109k▼
Deferred charges and accrued income490/1€2k€8k▲
Equity and liabilities
Total equity and liabilities10/49€403k€447k▲
Equity10/15€296k€328k▲
Contributions10/11€19k€19k=
Reserves13€73k€105k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€72k€103k▲
Profit (loss) carried forward14€204k€204k=
Amounts payable17/49€108k€120k▲
Amounts payable after more than one year17€43k€62k▲
Financial debts170/4€43k€62k▲
Amounts payable within one year42/48€65k€57k▼
Current portion of amounts payable after more than one year42€19k€30k▲
Trade debts44€38k€17k▼
Suppliers440/4€38k€17k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€885€7k▲
Remuneration and social security454/9€7k€3k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Turnover70€529k-
Goods, raw materials, services and sundry goods60/61€522k-
Remuneration, social security and pensions62€15k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€24k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€2k€8k▲
Non-recurring operating charges66A€90k-
Gross operating margin9900€-21k€92k▲
Operating profit (loss)9901€-149k€51k▲
Financial income75/76B€877€2k▲
Recurring financial income75€877€2k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€-151k€49k▲
Income taxes67/77€952€17k▲
Profit (loss) for the period9904€-152k€32k▲
Profit (loss) for the period to be appropriated9905€-152k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€204k€236k▲
Profit (loss) brought forward from the previous period14P€355k€204k▼
Transfer to equity691/2-€32k
To other reserves6921-€32k
The notes to these accounts (10 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
21-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 174 days late
2024
31-12
Financial
Weakest financial yearnet €-152k ▼1410%
Net result drops to €-152k, the lowest in the series; recovery starts the following year.
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 56 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
09-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 40 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2010
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.
Rue de l'Etang 626042 CharleroiGround area
1,008 m²
Building footprint
400 m²
Volume, LiDAR
930 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Jean Lorette(THI) 52, 6230 Pont-à-Celles
since 20102.186.337.042
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52065A0350/00X000 | Wallonia | 505 m² | 1 · 115 m² | 10.6 m · 3 fl. |
| 52040A0018/00C003 | Wallonia | 503 m² | 1 · 286 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CDA SCHILDERWERKEN
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MORI CONSTRUCT
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Of 7,816 companies in sector 43341 we hold annual accounts for 2,640. 1,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2010
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.