DECOR - LUX
ActiveSummary
DECOR - LUX has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €2k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 630 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-4
Solvency41▲+1
Growth55▼-23
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.08 in 2024; short-term debt: 82.2% and cash: 1.4% of total assets), and 84.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
15.8%
Return on assets
0.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
59 d early
2023
30 d late
2022
58 d late
2021
75 d early
2020
81 d late
2019
87 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, abbreviated schema
Turnover
€1.06M▼ 18.4%
2024 · €1.30M
2018: €613k
2019: €566k
2020: €602k
2021: €1.26M
2022: €1.41M
2023: €1.26M
2024: €1.30M
2018 → 2025
EBIT margin
1.3%▼ 0.5pp
2024 · 1.9%
2018: 2.5%
2019: 0.9%
2020: 2.4%
2021: 14.4%
2022: -0.6%
2023: 0.9%
2024: 1.9%
2018 → 2025
Net result
€2k▼ 77.6%
2024 · €9k
2018: €6k
2019: €160
2020: €8k
2021: €136k
2022: €-18k
2023: €2k
2024: €9k
2018 → 2025
Working capital
€38k▲ 39.8%
2024 · €27k
2018: €-12k
2019: €12k
2020: €19k
2021: €139k
2022: €102k
2023: €107k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.26M-€1.41M▲ 12.1%€1.26M▼ 10.8%€1.30M▲ 3.5%€1.06M▼ 18.4%
Equity€163k-€145k▼ 11.0%€147k▲ 1.5%€62k▼ 58.0%€64k▲ 3.3%
Operating result€182k-€-9k€11k€24k▲ 124%€14k▼ 41.1%
Net result€136k-€-18k€2k€9k▲ 324%€2k▼ 77.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€34k ▼ 42.8%
Current assets
€371k ▲ 2.4%
Equity and liabilities €405k
Equity
€64k ▲ 3.3%
Debt
€341k ▼ 5.2%
Debt's share of the balance-sheet total falls from 85.3% to 84.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €52k
Cash flow
€25k▼
2024 · €37k
Current ratio
1.11▲
2024 · 1.08
Quick ratio
0.41▼
2024 · 0.47
Debt to equity
5.34▼
2024 · 5.81
ROE
3.1%▼
2024 · 14.5%
ROA
0.5%▼
2024 · 2.1%
Interest coverage
5.80▼
2024 · 7.61
Debt ≤ 1 year
€333k▼
2024 · €335k
Debt > 1 year
€8k▼
2024 · €25k
Income taxes
€7k▼
2024 · €9k
Staff costs
€502k▲
2024 · €471k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€422k€405k▼
Fixed assets21/28€60k€34k▼
Tangible fixed assets22/27€59k€34k▼
Plant, machinery and equipment23€17k€11k▼
Furniture and vehicles24€14k€11k▼
Leasing and similar rights25€28k€11k▼
Financial fixed assets28€700€700=
Current assets29/58€362k€371k▲
Stocks and contracts in progress3€204k€235k▲
Stocks30/36€112k€125k▲
Contracts in progress37€92k€110k▲
Amounts receivable within one year40/41€122k€120k▼
Trade receivables40€84k€108k▲
Other amounts receivable41€38k€12k▼
Cash at bank and in hand54/58€11k€6k▼
Deferred charges and accrued income490/1€24k€10k▼
Equity and liabilities
Total equity and liabilities10/49€422k€405k▼
Equity10/15€62k€64k▲
Profit (loss) carried forward14€62k€64k▲
Amounts payable17/49€360k€341k▼
Amounts payable after more than one year17€25k€8k▼
Financial debts170/4€25k€8k▼
Amounts payable within one year42/48€335k€333k▼
Current portion of amounts payable after more than one year42€28k€14k▼
Financial debts43€3k€294▼
Credit institutions430/8€3k€294▼
Trade debts44€160k€153k▼
Suppliers440/4€160k€153k▼
Advances received on contracts in progress46€4k-
Taxes, remuneration and social security45€141k€70k▼
Taxes450/3€35k€17k▼
Remuneration and social security454/9€106k€53k▼
Other amounts payable47/48-€95k
Accrued charges and deferred income492/3€614€373▼
Income statement
Code20242025
Turnover70€1.30M€1.06M▼
Goods, raw materials, services and sundry goods60/61€771k€491k▼
Remuneration, social security and pensions62€471k€502k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€23k▼
Other operating charges640/8€10k€34k▲
Gross operating margin9900€533k€573k▲
Operating profit (loss)9901€24k€14k▼
Financial income75/76B€471€772▲
Recurring financial income75€471€772▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€18k€9k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€9k€2k▼
Profit (loss) for the period to be appropriated9905€9k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€134k€64k▼
Profit (loss) brought forward from the previous period14P€125k€62k▼
Profit to be distributed694/7€72k-
Return on contributions (dividend)694€72k-
Social balance
Average headcount (FTE)908714.113.4▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 58 days late
2022
31-12
Financial
Weakest financial yearnet €-18k ▼113%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €136k ▲1621%
Operating result €182k, net result €136k, both a record.
31-12
Financial
Equity above €150kEq €163k ▲494%
4 profitable years in a row build equity to €163k.
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Fontaine-l'Evêque · 1 establishment unit since 2000
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.
Rue du Repos(F-E) 336140 Fontaine-l'EvêqueGround area
1,523 m²
Building footprint
88 m²
Volume, LiDAR
347 m³
Parcel 52022A0153/00L007, Wallonia · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue du Repos(F-E) 33, 6140 Fontaine-l'Evêque
since 20002.093.549.713
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52022A0153/00L007indicative | Wallonia | 1,523 m² | 1 · 88 m² | 6.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Recognised contractor
18 categoriesDECOR - LUX SRL#10287
DECOR - LUX SRL42096
Similar companies · same sector, comparable size
RTRDC
BE 0667.959.519
Evere · Eq €64,044
't kleyne huis
BE 0777.896.052
Geel · Eq €64,074
AED Geuens
BE 0741.931.026
Balen · Eq €63,596
DIFIOMI
BE 0750.477.320
La Louvière · Eq €63,218
Atelier Aloïs
BE 0803.072.106
Grimbergen · Eq €63,164
Of 1,449 companies in sector 74130 we hold annual accounts for 341. 283 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
Founded03-11-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43332Laying of wooden floor and wall coverings
74130Interior design
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.