DECOFILS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €11.55M and a net result of €-643k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 69% of 2389 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
22 d early
2023
14 d early
2022
27 d early
2021
29 d late
2020
55 d late
2019
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€11.55M▼ 5.7%
2024 · €12.25M
2019: €10.68M
2020: €10.81M
2021: €11.33M
2022: €11.45M
2023: €11.54M
2024: €12.25M
2019 → 2025
Net result
€-643k
2024 · €772k
2019: €464k
2020: €420k
2021: €814k
2022: €196k
2023: €203k
2024: €772k
2019 → 2025
Total assets
€14.31M▲ 4.9%
2024 · €13.63M
2019: €13.84M
2020: €13.68M
2021: €13.81M
2022: €13.40M
2023: €13.22M
2024: €13.63M
2019 → 2025
Solvency
80.7%▼ 9.1pp
2024 · 89.8%
2019: 77.2%
2020: 79.0%
2021: 82.0%
2022: 85.5%
2023: 87.3%
2024: 89.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.03M-€658k▼ 36.3%€546k▼ 17.1%€830k▲ 52.1%€929k▲ 11.9%
Equity€11.33M-€11.45M▲ 1.1%€11.54M▲ 0.7%€12.25M▲ 6.2%€11.55M▼ 5.7%
Operating result€646k-€285k▼ 55.8%€135k▼ 52.6%€311k▲ 130%€-604k
Net result€814k-€196k▼ 75.9%€203k▲ 3.3%€772k▲ 281%€-643k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €604k after €311k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.31M
Fixed assets
€13.56M▲ 7.0%
Current assets
€748k▼ 21.9%
Equity and liabilities €14.31M
Equity
€11.55M▼ 5.7%
Debt
€2.76M▲ 99.5%
The debt ratio rises from 10.2% to 19.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
80.7%▼
2024 · 89.8%
ROE
-5.6%▼
2024 · 6.3%
ROA
-4.5%▼
2024 · 5.7%
Debt
€2.76M▲
2024 · €1.38M
Debt ≤ 1 year
€502k▲
2024 · €501k
Debt > 1 year
€2.25M▲
2024 · €883k
Income taxes
€0▼
2024 · €57k
Staff costs
€85k▼
2024 · €85k
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€13.63M€14.31M▲
Fixed assets21/28€12.68M€13.56M▲
Tangible fixed assets22/27€2.70M€3.53M▲
Land and buildings22€193k€1.25M▲
Other tangible fixed assets26€2.51M€2.28M▼
Financial fixed assets28€9.97M€10.02M▲
Affiliated companies280/1€9.97M€10.02M▲
Participating interests280€9.97M€10.02M▲
Other financial fixed assets284/8€0-
Amounts receivable and cash guarantees285/8€0-
Current assets29/58€958k€748k▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€74k€35k▼
Trade receivables40€13k€12k▼
Other amounts receivable41€61k€23k▼
Cash at bank and in hand54/58€861k€689k▼
Deferred charges and accrued income490/1€23k€23k▲
Equity and liabilities
Total equity and liabilities10/49€13.63M€14.31M▲
Equity10/15€12.25M€11.55M▼
Contributions10/11€375k€375k=
Reserves13€11.87M€11.17M▼
Distributable reserves133€11.87M€11.17M▼
Amounts payable17/49€1.38M€2.76M▲
Amounts payable after more than one year17€883k€2.25M▲
Financial debts170/4€883k€2.25M▲
Credit institutions173€883k€2.25M▲
Amounts payable within one year42/48€501k€502k▲
Current portion of amounts payable after more than one year42€312k€348k▲
Trade debts44€103k€52k▼
Suppliers440/4€103k€52k▼
Taxes, remuneration and social security45€26k€42k▲
Taxes450/3€4k€25k▲
Remuneration and social security454/9€22k€17k▼
Other amounts payable47/48€60k€60k=
Accrued charges and deferred income492/3€975€7k▲
Income statement
Code20242025
Operating income70/76A€1.25M€1.35M▲
Turnover70€830k€929k▲
Other operating income74€420k€423k▲
Non-recurring operating income76A-€200
Operating charges60/66A€939k€1.96M▲
Services and other goods61€598k€501k▼
Remuneration, social security and pensions62€85k€85k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€228k€227k▼
Other operating charges640/8€28k€37k▲
Non-recurring operating charges66A-€1.10M
Operating profit (loss)9901€311k€-604k▼
Financial income75/76B€545k€0▼
Recurring financial income75€545k€0▼
Income from financial fixed assets750€545k€0▼
Other financial income752/9€0€0▼
Financial charges65/66B€27k€40k▲
Recurring financial charges65€27k€40k▲
Debt charges650€27k€40k▲
Other financial charges652/9€0€0▼
Profit (loss) for the period before taxes9903€829k€-643k▼
Income taxes67/77€57k€0▼
Taxes670/3€57k€0▼
Tax adjustments and reversals of tax provisions77€144€0▼
Profit (loss) for the period9904€772k€-643k▼
Profit (loss) for the period to be appropriated9905€772k€-643k▼
Appropriation of the result
Profit (loss) to be appropriated9906€772k€-643k▼
Transfer from equity791/2-€703k
From reserves792-€703k
Transfer to equity691/2€712k€0▼
To other reserves6921€712k€0▼
Profit to be distributed694/7€60k€60k=
Return on contributions (dividend)694€0-
Directors or managers695€60k€60k=
Social balance
Average headcount (FTE)90872.22.1▼
The notes to these accounts (61 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-643k ▼183%
Net result drops to €-643k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.91
Current ratio from 0.84 to 1.91.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Highest result since 2019net €814k ▲93.8%
Operating result €646k, net result €814k, both a record.
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 55 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 100 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Beernem · 1 establishment unit since 2011
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.
Sint-Andreaslaan 268730 BeernemGround area
181 m²
Building footprint
171 m²
Volume, LiDAR
992 m³
Parcel 31003D0023/00B006, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DECOFILS
since 20112.202.854.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003D0023/00B006 | Flanders | 181 m² | 1 · 171 m² | 10.4 m · 2 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 · 1 entry · 1,530 EUR awarded · 907 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,530 EUR | 907 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MAPA CONSULTING
BE 0681.766.577
Genk · Eq €11.54M
Rofra Invest
BE 0771.644.205
Brugge · Eq €11.53M
B.E. Fin
BE 0419.202.029
Liège · Eq €11.53M
FRESH INVEST
BE 0633.827.890
Pittem · Eq €11.53M
Small & Medium Enterprises Partners
BE 0418.444.637
Brugge · Eq €11.57M
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 5,641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.