Losses
-€6.1m in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
DECOR ET JARDIN SA
Lifetime
20 annual accounts with figures on one time axis, 39 filings since 1987peak €31.7m (2022)
€22.5m▲ 5.2%
lowest -€2.6m (2025)
-€2.6m▼ €1.2m
peak €11.5m (2021)
€7.9m▼ 2.2%
€5.4m▼ 21.5%
peak 63.2 FTE (2023)
53.1 FTE▲ 0.2%
Board4 names since 2019
1 directorF. Cras Consult SRL
Owners3 names in the annual accounts
100%Firma Cras
Documentsfilings and deeds
07-09-202638 days late
2025financial year
Loss of €2.6mAppointment: GEMINI CONSULTING (personne chargé de la gestion… 31-10Resignation: ACSE BV (day-to-day manager) 10-03Debts from €6.8m to €5.4mInvestments €2.5mCash from €20,939 to €6,529
Key points
from the 2025 annual accountsInvestments
€12,939 0.0 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 183.5% higher than in 2024.
Staff
53 employees on 31-12-2025
In 2025, 6 people joined and 7 left. On top of that, 14.5 agency workers worked there on average.
Payment terms
38 days to suppliers
DECOR ET JARDIN SA pays its suppliers 26 days earlier than in 2024. Customers pay 19 days earlier.
Filings
39 annual accounts since 1987
Six of the last ten came late. The 2023 accounts came latest: 110 days after the end of the period.
Position in the sector
-€2.6m
Lower net result than 95% of companies in retail trade. Sector median €39,909 · 5,060 companies.
Checked score
63
Healthy
Financially stronger than 43% of medium-sized companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 385 companies (NACE 47, medium-sized).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.4%● unchanged vs 01-2025
03-2025: 1.4%● unchanged vs 02-2025
04-2025: 1.4%● unchanged vs 03-2025
05-2025: 1.3%▼ -0.1 percentage points vs 04-2025
06-2025: 1.3%● unchanged vs 05-2025
07-2025: 1.4%▲ +0.1 percentage points vs 06-2025
08-2025: 1.6%▲ +0.2 percentage points vs 07-2025
09-2025: 1.6%● unchanged vs 08-2025
10-2025: 1.9%▲ +0.3 percentage points vs 09-2025highest value
11-2025: 1.1%▼ -0.8 percentage points vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.0%▼ -0.1 percentage points vs 03-2026lowest value
05-2026: 1.1%▲ +0.1 percentage points vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.0%▼ -0.1 percentage points vs 06-2026
08-2026: 1.3%▲ +0.3 percentage points vs 07-2026
09-2026: 1.3%● unchanged vs 08-2026
10-2026: 1.5%▲ +0.2 percentage points vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €2.6m, the second in a row (financial year 2025)
Liquidity: current ratio 1.71, cash €6,529, halved
Last filed accounts filed 38 days late; 3 of the last 3 accounts late
lowers risk
Founded in 1986
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, medium-sized). It does better than 85% of them on solvency, 40% on liquidity, 2% on profitability and 44% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 147 companies had the same profile as DECOR ET JARDIN SA has now. Each dot is one company, two years later.
91.8%
were still trading
5.4%
stopped another way
2.0%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DECOR ET JARDIN SA itself: 1.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 147 companies, not a prediction for DECOR ET JARDIN SA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €490,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.71 (1.92 in 2024), above the usual 1.5. Short-term debt is 38.1% and cash 0% of total assets. 40.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2.6m
raises risk · 2025 accounts filed 38 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
38 days late
2024
68 days late
2023
110 days late
2022
59 days late
2021
61 days late
2020
25 days late
2019
17 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 49 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
GC
GEMINI CONSULTING
Daily manager, Yannick Peeters
FC
F. Cras Consult SRL
Director
- Firma Cras 100%score 64equity €56.0m (2025) · 2025 annual accounts of Firma Cras
Recent changes
Reappointment: SRL HLB DODEMONT-VAN IMPE & C° (statutory auditor)
Permanent representative: Guy COX · Gazette deed
Appointment: GEMINI CONSULTING (personne chargé de la gestion journalière)
Permanent representative: Yannick Peeters · Gazette deed
Resignation: ACSE BV (day-to-day manager)
Permanent representative: Alexander Dewulf · Gazette deed
Appointment: ACSE BV (day-to-day manager)
Permanent representative: Alexander Dewulf · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DECOR ET JARDIN SA Herve | €22.5m | -11.3% | 59.5% | 53.1 |
| CODIPACK Olen | €32.0m | 7.2% | 47.2% | 56.7 |
| DISTRILED LIÈGE Zwevegem | €10.2m | 3.4% | 86.5% | 34.6 |
| HERMANS HEFTRUCKS Rijkevorsel | €22.9m | 13.4% | 34.5% | 40.1 |
| STOCK ATH Ath | €42.7m | 0.3% | 85.0% | 79.6 |
| VAN AKELYEN BOUWMATERIALEN Zele | €17.9m | 7.1% | 63.5% | 14.2 |
| DANNEMARK Waimes | - | - | 16.5% | 21 |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as DECOR ET JARDIN SA: other retail sale of new goods (NACE 47789). They are comparable in size and age: total assets between €6.1m and €43m, founded between 1972 and 1997.
Official details
Source: KBO- Status
- Active since 01-11-1986Normal situation
- Activity
- Other retail sale of new goodsNACE 47789and 4 others
- Joint committee
- 126Furnishing and woodworking · annual accounts 2025
- Establishment unit
- 2.033.447.4244651 Herve, since 13-02-1987
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €13.3m▼ 11.2%
- Employeeson 31-12-2025
- 53▼ 1.9%
- Filing
- Filed on 07-09-2026
Insights on DECOR ET JARDIN SA
DECOR ET JARDIN SA has existed since 1986. Turnover grew from €13.0m in 2006 to €22.5m in 2025 and staff from 31.7 to 53.1 full-time equivalents.
Solvency rose in 2025 from 54.0% to 59.5% because of lower debts.
Firma Cras holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DECOR ET JARDIN SA
- What is the company number of DECOR ET JARDIN SA?
- The company number of DECOR ET JARDIN SA is 0430.395.235. The VAT number is the same number with BE in front: BE 0430.395.235.
- Where is DECOR ET JARDIN SA based?
- The registered office is at Rue Nazareth 13, 4651 Herve.Company details
- What does DECOR ET JARDIN SA do?
- According to the KBO register, the main activity is other retail sale of new goods (NACE 47789).
- What is the legal form of DECOR ET JARDIN SA?
- DECOR ET JARDIN SA is a public limited company (NV).
- When was DECOR ET JARDIN SA founded?
- DECOR ET JARDIN SA was founded on 01-11-1986.
- Is DECOR ET JARDIN SA still active?
- Yes, DECOR ET JARDIN SA is an active enterprise in the KBO register.
- How many employees does DECOR ET JARDIN SA have?
- DECOR ET JARDIN SA had an average of 53.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does DECOR ET JARDIN SA fall under?
- In its 2025 annual accounts, DECOR ET JARDIN SA states joint committee 126 (Furnishing and woodworking).
- What is the turnover of DECOR ET JARDIN SA?
- The turnover of DECOR ET JARDIN SA was €22.5m in financial year 2025, according to the filed annual accounts.
- Is DECOR ET JARDIN SA profitable?
- In financial year 2025, DECOR ET JARDIN SA made a loss of €2.6m.
- Where can I find the annual accounts of DECOR ET JARDIN SA?
- DECOR ET JARDIN SA filed 39 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DECOR ET JARDIN SA due?
- DECOR ET JARDIN SA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See the other companies in the same group.Firma Cras · 17 companies
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