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DECOVEMA

Active
Public limited company·Ontwikkeling van residentiële bouwprojecten· 1 yrs active
Ekkelgaarden 16 ·3500 Hasselt, Belgium
KBO/BCE: BE 1013.389.187
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Belgian State Gazette acts: 0 of 1 read
Age1 yr
Real estate1 parcel · 6.5 ha

Summary

Conclusion

the dossier summarised in one paragraph

DECOVEMA has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-13k) and a net result of €-66k. The computed 12-month bankruptcy probability is 0.4% (very low).

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 06-08-2026 6 d late 2026-00385365

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot included in this filing
EBIT marginNot included in this filing
Net result€-66k
Working capital€9.20M

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 06-08-2026 with the NBB · fiscal year 2025 · full schema
Fiscal year2025
Depositfull schema
Revenue-
EBITDA€-3k
Net profit€-66k
Cash flow€-65k
Staff costs-
Income taxes-
Dividends-
Total assets€9.21M
Equity€-13k
Debt€9.22M
of which ≤ 1y€10k
of which > 1y€9.13M
Working capital€9.20M
Employees (FTE)0.0
Ratios (computed)
2025
Current ratio956.84
Quick ratio4.38
Working capital ratio99.9%
Solvency-0.1%
Debt / equity-702.55
Long-term debt ratio-695.59
Interest coverage-0.05
Gross margin-
Net margin-
ROA-0.7%
ROE503.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€9.21M
Formation expenses 20€0
Current assets 29/58€9.21M
Stocks & contracts in progress 3€9.17M
Amounts receivable within one year 40/41€548
Cash & bank 54/58€42k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9.21M
Equity 10/15€-13k
Contributions / capital 10/11€62k
Accumulated profits (losses) 14€-75k
Amounts payable 17/49€9.22M
Amounts payable after one year 17€9.13M
Amounts payable within one year 42/48€10k
Trade debts payable within one year 44€10k
Income statement
Gross operating margin 9900€-2k
Operating result 9901€-4k
Financial charges 65€62k
Result before taxes 9903€-66k
Net result for the period 9904€-66k
Result to be appropriated 9905€-66k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
40 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
39 companies at this address See who is registered here

Establishment units

1 location
DECOVEMA
Ekkelgaarden 16, 3500 HasseltOntwikkeling van niet-residentiële bouwprojecten
since 20242.364.223.956
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area6.5 ha
Buildings1
Building footprint1.6 ha

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71324E0552/00C000 Flanders 6.5 ha 1 · 1.6 ha -
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health40Profitability100Solvency67Growth-Stability67
68 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 40
Profitability 100
Solvency 67
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,019 of the 9,653 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten68122Handel in eigen onroerend goed68110Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL DECOVEMA
Registered office
Ekkelgaarden 16
3500 Hasselt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.