DECOOMAN
ActiveSummary
DECOOMAN has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €523,342 and a net result of €31,140. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 72% of 1056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74=
Solvency91▲+5
Growth44=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 2.81 against 2.36 in 2024; short-term debt: 29.7% and cash: 46% of total assets), and 34.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
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
65.6%
Return on assets
3.9%
Age of the figures
12 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €523,342
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-04-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
6 d late
2023
2 d early
2022
1 d late
2021
24 d early
2020
28 d early
2019
44 d early
← 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 15 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€1.7m▲ 2.5%
2019 · €1.7m
EBIT margin
-0.2%▲ 1.3pp
2019 · -1.5%
Net result
€31,140▼ 15.6%
2024 · €36,907
Working capital
€429,473▲ 13.5%
2024 · €378,422
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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
Turnover
Operating result-€44,735▼ 1,398%€6,827€36,691▲ 437%€53,203▲ 45.0%€44,109▼ 17.1%
Net result-€45,865below the sector's middle half▼ 1,340%€7,790below the sector's middle half€36,262within the sector's middle half▲ 365%€36,907within the sector's middle half▲ 1.8%€31,140within the sector's middle half▼ 15.6%
EBIT margin
Equity€411,243within the sector's middle half▼ 10.0%€419,033within the sector's middle half▲ 1.9%€455,295within the sector's middle half▲ 8.7%€492,202within the sector's middle half▲ 8.1%€523,342within the sector's middle half▲ 6.3%
Total assets€803,072within the sector's middle half▲ 1.1%€778,810within the sector's middle half▼ 3.0%€750,176within the sector's middle half▼ 3.7%€808,108within the sector's middle half▲ 7.7%€797,484within the sector's middle half▼ 1.3%
Debt€354,629▲ 18.1%€322,577▼ 9.0%€257,681▼ 20.1%€278,706▲ 8.2%€236,942▼ 15.0%
Working capital€224,951within the sector's middle half▼ 4.4%€261,153within the sector's middle half▲ 16.1%€335,752within the sector's middle half▲ 28.6%€378,422within the sector's middle half▲ 12.7%€429,473within the sector's middle half▲ 13.5%
Solvency51.2%within the sector's middle half▼ 6.3pp53.8%within the sector's middle half▲ 2.6pp60.7%within the sector's middle half▲ 6.9pp60.9%within the sector's middle half▲ 0.2pp65.6%within the sector's middle half▲ 4.7pp
Current ratio1.63within the sector's middle half▼ 0.151.81within the sector's middle half▲ 0.182.34within the sector's middle half▲ 0.532.36within the sector's middle half▲ 0.022.81within the sector's middle half▲ 0.45
Return on assets (ROA)-5.7%below the sector's middle half▼ 5.3pp1.0%below the sector's middle half▲ 6.7pp4.8%within the sector's middle half▲ 3.8pp4.6%within the sector's middle half▼ 0.3pp3.9%within the sector's middle half▼ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €797,484
Fixed assets
€131,069 ▼ 13.2%
Current assets
€666,415 ▲ 1.4%
Equity and liabilities €797,484
Equity
€523,342 ▲ 6.3%
Provisions
€37,200 =
Debt
€236,942 ▼ 15.0%
Debt's share of the balance-sheet total falls from 34.5% to 29.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64,020▼
2024 · €76,034
Cash flow
€51,051▼
2024 · €59,739
Quick ratio
1.99▲
2024 · 1.70
Debt to equity
0.45▼
2024 · 0.57
ROE
6.0%▼
2024 · 7.5%
Interest coverage
417.77▲
2024 · 80.70
Debt ≤ 1 year
€236,942▼
2024 · €278,706
Income taxes
€14,691▼
2024 · €17,220
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,733 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 14,733 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €61,874 | €33,972 | €34,193 | €22,832 | €19,910 | ▼ 12.8% |
| Other operating charges640/8 | €4,641 | €6,901 | €6,715 | €4,359 | €4,527 | ▲ 3.9% |
| Gross operating margin9900 | €21,780 | €47,700 | €77,599 | €80,393 | €68,547 | ▼ 14.7% |
| Operating profit (loss)9901 | -€44,735 | €6,827 | €36,691 | €53,203 | €44,109 | ▼ 17.1% |
| Financial income75/76B | €1,919 | €1,773 | €33 | €1,867 | €1,876 | ▲ 0.5% |
| Recurring financial income75 | €1,919 | €1,773 | €33 | €1,867 | €1,876 | ▲ 0.5% |
| Financial charges65/66B | €2,722 | €533 | €462 | €942 | €153 | ▼ 83.7% |
| Recurring financial charges65 | €2,722 | €533 | €462 | €942 | €153 | ▼ 83.7% |
| Profit (loss) for the period before taxes9903 | -€45,537 | €8,067 | €36,262 | €54,127 | €45,832 | ▼ 15.3% |
| Income taxes67/77 | €329 | €277 | - | €17,220 | €14,691 | ▼ 14.7% |
| Profit (loss) for the period9904 | -€45,865 | €7,790 | €36,262 | €36,907 | €31,140 | ▼ 15.6% |
| Profit (loss) for the period to be appropriated9905 | -€45,865 | €7,790 | €36,262 | €36,907 | €31,140 | ▼ 15.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €803,072 | €778,810 | €750,176 | €808,108 | €797,484 | ▼ 1.3% |
| Fixed assets21/28 | €223,492 | €195,080 | €162,952 | €150,980 | €131,069 | ▼ 13.2% |
| Tangible fixed assets22/27 | €223,492 | €195,080 | €162,952 | €150,980 | €131,069 | ▼ 13.2% |
| Land and buildings22 | €107,618 | €101,418 | €95,410 | €90,662 | €86,254 | ▼ 4.9% |
| Plant, machinery and equipment23 | €97,973 | €84,711 | €67,543 | €59,983 | €44,516 | ▼ 25.8% |
| Furniture and vehicles24 | €17,901 | €8,950 | - | €335 | €299 | ▼ 10.7% |
| Current assets29/58 | €579,580 | €583,731 | €587,223 | €657,128 | €666,415 | ▲ 1.4% |
| Stocks and contracts in progress3 | €243,251 | €300,029 | €205,486 | €182,378 | €195,417 | ▲ 7.1% |
| Stocks30/36 | €243,251 | €300,029 | €205,486 | €182,378 | €195,417 | ▲ 7.1% |
| Amounts receivable within one year40/41 | €19,675 | €22,528 | €60,834 | €33,113 | €28,795 | ▼ 13.0% |
| Trade receivables40 | €19,670 | €22,528 | €60,834 | €33,113 | €24,608 | ▼ 25.7% |
| Other amounts receivable41 | €5 | - | - | - | €4,187 | - |
| Current investments50/53 | €75,122 | €75,122 | €75,122 | €75,122 | €75,122 | = |
| Cash at bank and in hand54/58 | €198,762 | €186,052 | €245,781 | €366,516 | €367,081 | ▲ 0.2% |
| Deferred charges and accrued income490/1 | €42,770 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €803,072 | €778,810 | €750,176 | €808,108 | €797,484 | ▼ 1.3% |
| Equity10/15 | €411,243 | €419,033 | €455,295 | €492,202 | €523,342 | ▲ 6.3% |
| Contributions10/11 | €83,670 | €83,670 | €83,670 | €83,670 | €83,670 | = |
| Reserves13 | €327,573 | €335,363 | €371,625 | €391,625 | €422,765 | ▲ 8.0% |
| Non-distributable reserves130/1 | €13,015 | €13,015 | €13,015 | €13,015 | €13,015 | = |
| Reserves not available under the articles1311 | €13,015 | €13,015 | €13,015 | €13,015 | €13,015 | = |
| Tax-exempt reserves132 | €16,856 | €16,856 | €16,856 | €16,856 | €16,856 | = |
| Distributable reserves133 | €297,702 | €305,492 | €341,754 | €361,754 | €392,894 | ▲ 8.6% |
| Profit (loss) carried forward14 | - | - | - | €16,907 | €16,907 | = |
| Provisions and deferred taxes16 | €37,200 | €37,200 | €37,200 | €37,200 | €37,200 | = |
| Provisions for liabilities and charges160/5 | €37,200 | €37,200 | €37,200 | €37,200 | €37,200 | = |
| Pensions and similar obligations160 | €37,200 | €37,200 | €37,200 | €37,200 | €37,200 | = |
| Amounts payable17/49 | €354,629 | €322,577 | €257,681 | €278,706 | €236,942 | ▼ 15.0% |
| Amounts payable within one year42/48 | €354,629 | €322,577 | €251,472 | €278,706 | €236,942 | ▼ 15.0% |
| Trade debts44 | €95,491 | €83,779 | €53,782 | €86,820 | €67,985 | ▼ 21.7% |
| Suppliers440/4 | €95,491 | €83,779 | €53,782 | €86,820 | €67,985 | ▼ 21.7% |
| Taxes, remuneration and social security45 | €49 | €11,645 | €10,722 | €34,491 | €15,803 | ▼ 54.2% |
| Taxes450/3 | €35 | €4,418 | €2,689 | €20,388 | €14,414 | ▼ 29.3% |
| Remuneration and social security454/9 | €14 | €7,226 | €8,033 | €14,103 | €1,389 | ▼ 90.2% |
| Other amounts payable47/48 | €259,089 | €227,154 | €186,967 | €157,395 | €153,154 | ▼ 2.7% |
| Accrued charges and deferred income492/3 | - | - | €6,209 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€45,865 | €7,790 | €36,262 | €36,907 | €31,140 | ▼ 15.6% |
| + Depreciation and write-downs630 | €61,874 | €33,972 | €34,193 | €22,832 | €19,910 | ▼ 12.8% |
| Operating cash flow (approximation) | €16,008 | €41,762 | €70,455 | €59,739 | €51,051 | ▼ 14.5% |
| Investment in fixed assets (approximation) | - | -€5,559 | -€2,066 | -€10,859 | €0 | ▲ 100% |
| Change in cash | - | -€12,709 | €59,729 | €120,734 | €566 | ▼ 99.5% |
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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Equity above €500,000Eq €523,342 ▲6.3%
4 profitable years in a row build equity to €523,342.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
28-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
30-09
Financial
Back to profitnet €7,790
Net result €7,790 after 3 loss-making years.
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Weakest financial yearnet -€45,865
Net result drops to -€45,865, the lowest in the series; recovery starts the following year.
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Geraardsbergen · 1 establishment unit since 1998
Ground area
2,293 m²
Building footprint
473 m²
Volume, LiDAR
3,323 m³
Parcel 41031B0504/00E000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DECOOMAN
since 19982.085.756.653
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41031B0504/00E000 | Flanders | 2,293 m² | 1 · 473 m² | 10.1 m · 2 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeraardsbergen2.085.756.653
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Of 7,377 companies in sector 95311 we hold annual accounts for 2,962. 2,054 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
Founded27-08-1997
Fiscal year end30-09
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47120Other non-specialised retail sale
47300Retail sale of automotive fuel
92000Gambling and betting activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461343480
Also
9925:BE0461343480
Registered
12-01-2026
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.