Decorama-Schauss
ActiveSummary
Decorama-Schauss has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10.48M and a net result of €1.54M. Equity is growing by ~6.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▼-3
Solvency100=
Growth68▼-2
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €900k at 30 days acceptable
Liquidity ample (current ratio 8.89 against 7.15 in 2023; short-term debt: 8.6% and cash: 29.4% of total assets), and 18.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
81.1%
Return on assets
12%
Age of the figures
24 mo
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 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
139 d late
2023
178 d late
2022
113 d late
2021
61 d late
2020
173 d late
2019
15 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2024, full schema
Turnover
€12.71M▼ 4.8%
2023 · €13.35M
2018: €9.89M
2019: €11.07M
2020: €11.67M
2021: €14.20M
2022: €13.67M
2023: €13.35M
2018 → 2024
EBIT margin
16.1%▼ 0.8pp
2023 · 16.9%
2018: 12.5%
2019: 13.8%
2020: 15.7%
2021: 23.0%
2022: 19.7%
2023: 16.9%
2018 → 2024
Net result
€1.54M▼ 8.0%
2023 · €1.68M
2018: €814k
2019: €1.05M
2020: €1.26M
2021: €2.43M
2022: €1.97M
2023: €1.68M
2018 → 2024
Working capital
€8.75M▲ 22.2%
2023 · €7.16M
2018: €4.65M
2019: €5.05M
2020: €3.36M
2021: €5.87M
2022: €5.41M
2023: €7.16M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€11.67M-€14.20M▲ 21.7%€13.67M▼ 3.7%€13.35M▼ 2.3%€12.71M▼ 4.8%
Equity€5.35M-€7.79M▲ 45.5%€7.25M▼ 6.9%€8.93M▲ 23.1%€10.48M▲ 17.3%
Operating result€1.83M-€3.27M▲ 79.0%€2.69M▼ 17.7%€2.25M▼ 16.3%€2.05M▼ 9.2%
Net result€1.26M-€2.43M▲ 92.6%€1.97M▼ 19.0%€1.68M▼ 14.9%€1.54M▼ 8.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €12.91M
Fixed assets
€3.06M ▼ 9.7%
Current assets
€9.86M ▲ 18.4%
Equity and liabilities €12.91M
Equity
€10.48M ▲ 17.3%
Debt
€2.43M ▼ 12.2%
Debt's share of the balance-sheet total falls from 23.7% to 18.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2.47M▼
2023 · €2.68M
Cash flow
€1.97M▼
2023 · €2.10M
Current ratio
8.89▲
2023 · 7.15
Quick ratio
5.19▲
2023 · 3.60
Debt to equity
0.23▼
2023 · 0.31
ROE
14.7%▼
2023 · 18.8%
ROA
12.0%▼
2023 · 14.3%
Interest coverage
76.58▲
2023 · 71.76
Debt ≤ 1 year
€1.11M▼
2023 · €1.16M
Debt > 1 year
€1.32M▼
2023 · €1.61M
Income taxes
€510k▼
2023 · €541k
Staff costs
€1.66M▲
2023 · €1.53M
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 · 2024 against 2023 · 81 lines
Balance sheet
Code20232024
Assets
Total assets20/58€11.71M€12.91M▲
Fixed assets21/28€3.39M€3.06M▼
Intangible fixed assets21€30k€20k▼
Tangible fixed assets22/27€3.35M€3.04M▼
Land and buildings22€3.24M€2.86M▼
Plant, machinery and equipment23€74k€74k▲
Furniture and vehicles24€37k€97k▲
Leasing and similar rights25€0-
Financial fixed assets28€340€340=
Other financial fixed assets284/8€340€340=
Amounts receivable and cash guarantees285/8€340€340=
Current assets29/58€8.32M€9.86M▲
Stocks and contracts in progress3€4.13M€4.10M▼
Stocks30/36€4.13M€4.10M▼
Goods purchased for resale34€4.13M€4.10M▼
Amounts receivable within one year40/41€2.11M€1.79M▼
Trade receivables40€446k€227k▼
Other amounts receivable41€1.66M€1.56M▼
Cash at bank and in hand54/58€1.88M€3.80M▲
Deferred charges and accrued income490/1€195k€170k▼
Equity and liabilities
Total equity and liabilities10/49€11.71M€12.91M▲
Equity10/15€8.93M€10.48M▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€4.54M€5.21M▲
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Tax-exempt reserves132€2.11M€2.74M▲
Distributable reserves133€2.42M€2.46M▲
Profit (loss) carried forward14€4.32M€5.19M▲
Amounts payable17/49€2.77M€2.43M▼
Amounts payable after more than one year17€1.61M€1.32M▼
Financial debts170/4€1.61M€1.32M▼
Credit institutions173€1.61M€1.32M▼
Amounts payable within one year42/48€1.16M€1.11M▼
Current portion of amounts payable after more than one year42€284k€284k=
Trade debts44€429k€224k▼
Suppliers440/4€429k€224k▼
Bills of exchange payable441€0-
Taxes, remuneration and social security45€288k€345k▲
Taxes450/3€81k€35k▼
Remuneration and social security454/9€207k€310k▲
Other amounts payable47/48€162k€256k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Operating income70/76A€13.50M€12.95M▼
Turnover70€13.35M€12.71M▼
Other operating income74€152k€206k▲
Non-recurring operating income76A-€35k
Operating charges60/66A€11.25M€10.91M▼
Goods for resale, raw materials and consumables60€7.37M€6.95M▼
Purchases600/8€7.39M€6.93M▼
Change in stocks: decrease (increase)609€-20k€29k▲
Services and other goods61€1.76M€1.69M▼
Remuneration, social security and pensions62€1.53M€1.66M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€424k€429k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€162k€172k▲
Operating profit (loss)9901€2.25M€2.05M▼
Financial income75/76B€55k€72k▲
Recurring financial income75€55k€72k▲
Other financial income752/9€55k€72k▲
Financial charges65/66B€89k€64k▼
Recurring financial charges65€89k€64k▼
Debt charges650€37k€32k▼
Other financial charges652/9€52k€32k▼
Profit (loss) for the period before taxes9903€2.22M€2.05M▼
Income taxes67/77€541k€510k▼
Taxes670/3€548k€510k▼
Tax adjustments and reversals of tax provisions77€8k€0▼
Profit (loss) for the period9904€1.68M€1.54M▼
Transfer from tax-exempt reserves789€279k€42k▼
Transfer to tax-exempt reserves689€200k€674k▲
Profit (loss) for the period to be appropriated9905€1.76M€912k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.60M€5.23M▲
Profit (loss) brought forward from the previous period14P€2.84M€4.32M▲
Transfer to equity691/2€279k€42k▼
To other reserves6921€279k€42k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)908734.637.7▲
The notes to these accounts (72 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 139 days late
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 178 days late
30-09
Financial
Equity above €10MEq €10.48M ▲17.3%
7 profitable years in a row build equity to €10.48M.
2023
30-09
Financial
Liquidity doublescurrent ratio 7.15
Current ratio from 2.89 to 7.15; short-term debt falls from €2.87M to €1.16M.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 113 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 173 days late
30-09
Financial
Highest result since 2018net €2.43M ▲92.6%
Operating result €3.27M, net result €2.43M, both a record.
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 15 days late
2019
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 16 days late
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Malmedy · 3 establishment units since 1983
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.
Avenue du Pont de Warche 54960 MalmedyGround area
2.2 ha
Building footprint
1.2 ha
Volume, LiDAR
31,674 m³
3 parcels, Wallonia · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Avenue du Pont de Warche 5, 4960 Malmedy
since 19832.023.910.740
DECORAMA
since 19912.023.910.839
DECORAMA
since 20012.023.910.641
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83002A1206/00A002 | Wallonia | 1.1 ha | 1 · 5,856 m² | - |
| 63049F0345/00R006 | Wallonia | 8,600 m² | 1 · 3,490 m² | 11.0 m · 2 fl. |
| 63079A1456/00Y002 | Wallonia | 2,399 m² | 1 · 2,900 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HEYTENS CENTRALE
BE 0401.756.875
Wavre · Eq €8.81M
E. BAILLIEN
BE 0434.264.941
Maasmechelen · Eq €16.74M
CARPETLAND
BE 0414.345.792
Antwerpen · Eq €18.73M
DECKERS WONEN
BE 0440.643.779
Pelt · Eq €4.81M
PIRITEX
BE 0448.626.978
Antwerpen · Eq €4.24M
Of 531 companies in sector 47530 we hold annual accounts for 323. 24 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 formPublic limited company
Founded14-12-1982
Fiscal year end30-09
Activities, NACEBEL 2025
47530Retail trade
47512Retail sale of household textiles and bedding
47521Retail sale of hardware, building materials, paint and glass (general range)
47552Retail sale of lighting equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.