Decoflor
ActiveSummary
Decoflor has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €-72k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 29% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-81
Solvency53▼-7
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.44 in 2024; short-term debt: 29.3% and cash: 28.5% of total assets), and 72.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.8%
Return on assets
-13.7%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
24 d early
2023
6 d early
2022
3 d early
2021
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▼ 32.9%
2024 · €219k
2021: €197k
2022: €145k
2023: €145k
2024: €219k
2021 → 2025
Total assets
€528k▼ 16.3%
2024 · €630k
2021: €507k
2022: €557k
2023: €577k
2024: €630k
2021 → 2025
Net result
€-72k
2024 · €74k
2021: €85k
2022: €58k
2023: €68k
2024: €74k
2021 → 2025
Working capital
€4k▼ 94.4%
2024 · €77k
2021: €63k
2022: €4k
2023: €624
2024: €77k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€197k-€145k▼ 26.3%€145k=€219k▲ 51.1%€147k▼ 32.9%
Operating result€123k-€77k▼ 37.3%€94k▲ 21.1%€102k▲ 8.6%€-58k
Net result€85k-€58k▼ 31.5%€68k▲ 17.5%€74k▲ 8.6%€-72k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €58k after €102k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €528k
Fixed assets
€369k ▼ 2.9%
Current assets
€159k ▼ 36.6%
Equity and liabilities €528k
Equity
€147k ▼ 32.9%
Debt
€381k ▼ 7.4%
Debt's share of the balance-sheet total rises from 65.3% to 72.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-46k▼
2024 · €114k
Cash flow
€-60k▼
2024 · €86k
Current ratio
1.03▼
2024 · 1.44
Debt to equity
2.60▲
2024 · 1.88
ROE
-49.1%▼
2024 · 33.8%
ROA
-13.7%▼
2024 · 11.7%
Interest coverage
-3.35▼
2024 · 10.37
Debt ≤ 1 year
€155k▼
2024 · €174k
Debt > 1 year
€216k▼
2024 · €230k
Income taxes
€261▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€630k€528k▼
Fixed assets21/28€379k€369k▼
Tangible fixed assets22/27€379k€369k▼
Land and buildings22€345k€336k▼
Plant, machinery and equipment23€33k€31k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€251k€159k▼
Amounts receivable within one year40/41€46k€7k▼
Trade receivables40€42k€7k▼
Other amounts receivable41€3k€105▼
Current investments50/53€0-
Cash at bank and in hand54/58€204k€150k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€630k€528k▼
Equity10/15€219k€147k▼
Contributions10/11€1k€1k=
Reserves13€218k€146k▼
Distributable reserves133€218k€146k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€412k€381k▼
Amounts payable after more than one year17€230k€216k▼
Financial debts170/4€230k€216k▼
Amounts payable within one year42/48€174k€155k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€3k€427▼
Suppliers440/4€3k€427▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€153k€137k▼
Accrued charges and deferred income492/3€8k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€116k€-44k▼
Operating profit (loss)9901€102k€-58k▼
Financial income75/76B€4k€1▼
Recurring financial income75€4k€1▼
Financial charges65/66B€11k€14k▲
Recurring financial charges65€11k€14k▲
Profit (loss) for the period before taxes9903€94k€-72k▼
Income taxes67/77€20k€261▼
Profit (loss) for the period9904€74k€-72k▼
Profit (loss) for the period to be appropriated9905€74k€-72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€-72k▼
Transfer from equity791/2-€72k
Transfer to equity691/2€74k€0▼
To other reserves6921€74k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (11 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-72k
Net result drops to €-72k, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €219k ▲51.1%
4 profitable years in a row build equity to €219k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kortrijk · 1 establishment unit since 2017
Ground area
835 m²
Building footprint
827 m²
Volume, LiDAR
6,440 m³
Parcel 34352A0712/00A000, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Decoflor
since 20172.261.909.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352A0712/00A000 | Flanders | 835 m² | 1 · 826 m² | 14.3 m · 3 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
2025 · 1 entry · 4,679 EUR awarded · 4,679 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,679 EUR | 4,679 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,836 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.