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Decophyf

Active Risk: not assessed
Private limited companyfounded 2018active for 8 yearsBunderhof 4, 8880 Ledegem, BelgiumKBO/BCE: BE 0695.642.626

Financials · financial year 2025, micro format

Annual accounts 2025 filed on 29-04-2026 PDF all 7 filings

Equity
€250,895▲ 14.9%
2024 · €218,433
Net result
€32,462▼ 27.6%
2024 · €44,829
Total assets
€295,223▲ 8.2%
2024 · €272,798
Solvency
85.0%▲ 4.9pp
2024 · 80.1%
Trend over the years

2021 to 2025, 5 financial years 2019 to 2025, 7 financial years

The operating result for 2025 is 22% lower than in 2024 and the lowest since 2021.

Operating result€43,890 2025 Net result€32,462 2025

Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.

Use the arrow keys on the chart for the figures per year.

The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line2019202020212022202320242025
Operating result€34,000-€6,850▼ 79.9%€51,478▲ 652%€70,149▲ 36.3%€45,742▼ 34.8%€56,514▲ 23.6%€43,890▼ 22.3%
Net result€26,232-€4,509within the sector's middle half▼ 82.8%€40,270within the sector's middle half▲ 793%€55,067within the sector's middle half▲ 36.7%€35,026within the sector's middle half▼ 36.4%€44,829within the sector's middle half▲ 28.0%€32,462within the sector's middle half▼ 27.6%
Equity€38,732-€43,241within the sector's middle half▲ 11.6%€83,510within the sector's middle half▲ 93.1%€138,578within the sector's middle half▲ 65.9%€173,604within the sector's middle half▲ 25.3%€218,433within the sector's middle half▲ 25.8%€250,895within the sector's middle half▲ 14.9%
Total assets€68,167-€71,197below the sector's middle half▲ 4.4%€102,411below the sector's middle half▲ 43.8%€156,759within the sector's middle half▲ 53.1%€175,421within the sector's middle half▲ 11.9%€272,798within the sector's middle half▲ 55.5%€295,223within the sector's middle half▲ 8.2%
Debt€29,435-€27,956▼ 5.0%€18,900▼ 32.4%€18,181▼ 3.8%€1,817▼ 90.0%€54,365▲ 30×€44,328▼ 18.5%
Working capital€32,357-€35,750within the sector's middle half▲ 10.5%€76,821within the sector's middle half▲ 115%€132,128within the sector's middle half▲ 72.0%€162,540above the sector's middle half▲ 23.0%€198,086above the sector's middle half▲ 21.9%€235,140above the sector's middle half▲ 18.7%
Solvency56.8%-60.7%within the sector's middle half▲ 3.9pp81.5%above the sector's middle half▲ 20.8pp88.4%above the sector's middle half▲ 6.9pp99.0%above the sector's middle half▲ 10.6pp80.1%above the sector's middle half▼ 18.9pp85.0%above the sector's middle half▲ 4.9pp
Current ratio2.58-2.58within the sector's middle half=5.37above the sector's middle half▲ 2.798.41above the sector's middle half▲ 3.0310.94above the sector's middle half13.70above the sector's middle half▲ 2.76
Return on assets (ROA)38.5%-6.3%within the sector's middle half▼ 32.1pp39.3%above the sector's middle half▲ 33.0pp35.1%above the sector's middle half▼ 4.2pp20.0%within the sector's middle half▼ 15.2pp16.4%within the sector's middle half▼ 3.5pp11.0%within the sector's middle half▼ 5.4pp
above within below The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295,223
Fixed assets €41,571 ▼ 24.1%
Current assets €253,653 ▲ 16.3%
Equity and liabilities €295,223
Equity €250,895 ▲ 14.9%
Debt €44,328 ▼ 18.5%
Debt's share of the balance-sheet total falls from 19.9% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
12.9%▼
2024 · 20.5%
Debt ≤ 1 year
€18,513▼
2024 · €19,932
Debt > 1 year
€25,468▼
2024 · €34,086
Income taxes
€9,695▼
2024 · €12,368
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Comparable companies

These companies have the same main activity as Decophyf: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €240,000 and €359,000, founded between 2018 and 2019.

CompanyFoundedTotal assetsEquityGross marginNet resultFinancial year
Decophyf Ledegem2018€295,223€250,895€58,058€32,4622025
MURKAR Knokke-Heist2018€357,500€182,851€61,881€93,5042025
LoLe Invest Wevelgem2018€359,240-€22,361€55,498€11,5512025
INVERTOM Deerlijk2019€274,479€117,780€66,211€35,5732025
GD Finance & Management Knokke-Heist2018€239,797€156,371€55,147€27,4772025
HANCKE GREET Oostkamp2019€260,257€202,058€62,210€44,2082025
Seys-constructie Lendelede2019€332,549€219,891€55,794€37,1482025

They were chosen from the 20,097 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines

Source: Annual accounts 2025 (PDF), filed on 29-04-2026.

Balance sheet Code20242025
Assets
Total assets20/58€272,798€295,223▲
Fixed assets21/28€54,780€41,571▼
Tangible fixed assets22/27€54,780€41,571▼
Plant, machinery and equipment23€1,964€1,403▼
Furniture and vehicles24€6,515€4,350▼
Leasing and similar rights25€46,301€35,818▼
Current assets29/58€218,018€253,653▲
Amounts receivable within one year40/41-€2,720
Other amounts receivable41-€2,720
Cash at bank and in hand54/58€218,018€250,933▲
Equity and liabilities
Total equity and liabilities10/49€272,798€295,223▲
Equity10/15€218,433€250,895▲
Contributions10/11€12,500€12,500=
Contributions outside capital11€12,500€12,500=
Other1109/19€12,500€12,500=
Reserves13€205,933€238,395▲
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Distributable reserves133€204,073€236,535▲
Amounts payable17/49€54,365€44,328▼
Amounts payable after more than one year17€34,086€25,468▼
Financial debts170/4€34,086€25,468▼
Amounts payable within one year42/48€19,932€18,513▼
Current portion of amounts payable after more than one year42€7,122€7,427▲
Trade debts44-€1,785
Suppliers440/4-€1,785
Taxes, remuneration and social security45€12,184€6,006▼
Taxes450/3€12,184€6,006▼
Other amounts payable47/48€627€3,294▲
Accrued charges and deferred income492/3€348€348=
Income statement Code20242025
Non-recurring operating income76A€13,500-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,049€13,209▲
Other operating charges640/8€2,751€959▼
Gross operating margin9900€68,313€58,058▼
Operating profit (loss)9901€56,514€43,890▼
Financial income75/76B€1,602€547▼
Recurring financial income75€1,602€547▼
Financial charges65/66B€919€2,280▲
Recurring financial charges65€919€2,280▲
Profit (loss) for the period before taxes9903€57,197€42,157▼
Income taxes67/77€12,368€9,695▼
Profit (loss) for the period9904€44,829€32,462▼
Profit (loss) for the period to be appropriated9905€44,829€32,462▼
Appropriation of the result
Profit (loss) to be appropriated9906€44,829€32,462▼
Transfer to equity691/2€44,829€32,462▼
To other reserves6921€44,829€32,462▼

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Line2019202020212022202320242025Change
Non-recurring operating income76A-----€13,500--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,407€4,593€4,801€4,852€4,357€9,049€13,209▲ 46.0%
Other operating charges640/8--€627€776€856€2,751€959▼ 65.1%
Gross operating margin9900€41,923€12,069€56,905€75,778€50,955€68,313€58,058▼ 15.0%
Operating profit (loss)9901€34,000€6,850€51,478€70,149€45,742€56,514€43,890▼ 22.3%
Financial income75/76B-----€1,602€547▼ 65.8%
Recurring financial income75-----€1,602€547▼ 65.8%
Financial charges65/66B--€122€117€121€919€2,280▲ 148%
Recurring financial charges65€233€132€122€117€121€919€2,280▲ 148%
Profit (loss) for the period before taxes9903€33,767€6,718€51,356€70,033€45,621€57,197€42,157▼ 26.3%
Income taxes67/77€7,536€2,209€11,086€14,965€10,594€12,368€9,695▼ 21.6%
Profit (loss) for the period9904€26,232€4,509€40,270€55,067€35,026€44,829€32,462▼ 27.6%
Profit (loss) for the period to be appropriated9905€26,232€4,509€40,270€55,067€35,026€44,829€32,462▼ 27.6%
Line2019202020212022202320242025Change
Assets
Total assets20/58€68,167€71,197€102,411€156,759€175,421€272,798€295,223▲ 8.2%
Fixed assets21/28€15,348€12,830€8,030€6,797€11,412€54,780€41,571▼ 24.1%
Tangible fixed assets22/27€15,348€12,830€8,030€6,797€11,412€54,780€41,571▼ 24.1%
Plant, machinery and equipment23--€43-€2,525€1,964€1,403▼ 28.6%
Furniture and vehicles24--€7,987€6,797€8,887€6,515€4,350▼ 33.2%
Leasing and similar rights25-----€46,301€35,818▼ 22.6%
Current assets29/58€52,819€58,367€94,381€149,962€164,010€218,018€253,653▲ 16.3%
Amounts receivable within one year40/41€6,376€6,376€7,165€7,797€5,078-€2,720-
Trade receivables40--€7,165€7,797----
Other amounts receivable41----€5,078-€2,720-
Cash at bank and in hand54/58€46,443€51,991€87,216€119,816€134,181€218,018€250,933▲ 15.1%
Deferred charges and accrued income490/1---€22,350€24,750---
Equity and liabilities
Total equity and liabilities10/49€68,167€71,197€102,411€156,759€175,421€272,798€295,223▲ 8.2%
Equity10/15€38,732€43,241€83,510€138,578€173,604€218,433€250,895▲ 14.9%
Contributions10/11€12,500€12,500€12,500€12,500€12,500€12,500€12,500=
Capital10--€12,500€12,500€12,500---
Issued capital100--€18,600€18,600€18,600---
Uncalled capital101--€6,100€6,100€6,100---
Contributions outside capital11-----€12,500€12,500=
Other1109/19-----€12,500€12,500=
Reserves13€26,232€30,741€71,010€126,078€161,104€205,933€238,395▲ 15.8%
Non-distributable reserves130/1--€1,860€1,860€1,860€1,860€1,860=
Legal reserve130--€1,860€1,860€1,860---
Reserves not available under the articles1311-----€1,860€1,860=
Distributable reserves133--€69,150€124,218€159,244€204,073€236,535▲ 15.9%
Amounts payable17/49€29,435€27,956€18,900€18,181€1,817€54,365€44,328▼ 18.5%
Amounts payable after more than one year17€8,974€5,340€1,341--€34,086€25,468▼ 25.3%
Financial debts170/4--€1,341--€34,086€25,468▼ 25.3%
Amounts payable within one year42/48€20,461€22,617€17,560€17,834€1,470€19,932€18,513▼ 7.1%
Current portion of amounts payable after more than one year42--€3,999€1,327-€7,122€7,427▲ 4.3%
Trade debts44-€137€905€145--€1,785-
Suppliers440/4--€905€145--€1,785-
Taxes, remuneration and social security45--€7,787€11,670€1,369€12,184€6,006▼ 50.7%
Taxes450/3--€7,787€11,670€1,369€12,184€6,006▼ 50.7%
Other amounts payable47/48--€4,868€4,691€100€627€3,294▲ 426%
Accrued charges and deferred income492/3---€348€348€348€348=
Line2019202020212022202320242025Change
Profit (loss) for the period9904€26,232€4,509€40,270€55,067€35,026€44,829€32,462▼ 27.6%
+ Depreciation and write-downs630€6,407€4,593€4,801€4,852€4,357€9,049€13,209▲ 46.0%
Operating cash flow (approximation)€32,639€9,102€45,070€59,920€39,383€53,877€45,671▼ 15.2%
Investment in fixed assets (approximation)--€2,075€0-€3,620-€8,972-€52,416€0-
Change in cash-€5,548€35,225€32,599€14,366€83,837€32,915▼ 60.7%

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (7)
Financial year Type Filed Reference Document
30-09-2025 micro format 29-04-2026 2026-00100950 PDF
30-09-2024 micro format 29-04-2025 2025-00087810 PDF
30-09-2023 micro format 29-04-2024 2024-00079115 PDF
30-09-2022 micro format 28-04-2023 2023-00081632 PDF
30-09-2021 micro format 29-04-2022 2022-20017178 PDF
30-09-2020 micro format 30-04-2021 2021-12500501 PDF
30-09-2019 micro format 14-04-2020 2020-09100175 PDF

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