ERVA DECOR
ActiveSummary
The computed 12-month bankruptcy probability of ERVA DECOR is 2.6% (moderate). The 2025 annual accounts show equity of €99,778 and a net result of €12,464. Equity is growing by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 18626 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability58▼-22
Solvency91▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.81 against 2.57 in 2024; short-term debt: 34.2% and cash: 3.1% of total assets), and 34.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
65.8%
Return on assets
8.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
57 d early
2024
86 d early
2023
75 d early
2022
65 d early
2021
47 d early
2020
86 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 69 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 27 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€285,657
EBIT margin
7.3%
Net result
€12,464▼ 47.6%
2024 · €23,786
Working capital
€93,778▲ 15.3%
2024 · €81,314
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€285,657
Operating result€17,182▲ 422%€15,346▼ 10.7%€27,119▲ 76.7%€24,495▼ 9.7%€20,748▼ 15.3%
Net result€17,182within the sector's middle half▲ 422%€9,699within the sector's middle half▼ 43.6%€18,354within the sector's middle half▲ 89.2%€23,786within the sector's middle half▲ 29.6%€12,464within the sector's middle half▼ 47.6%
EBIT margin7.3%
Equity€35,475within the sector's middle half▲ 93.9%€45,174within the sector's middle half▲ 27.3%€63,528within the sector's middle half▲ 40.6%€87,314within the sector's middle half▲ 37.4%€99,778within the sector's middle half▲ 14.3%
Total assets€96,203within the sector's middle half▲ 81.0%€125,953within the sector's middle half▲ 30.9%€152,978within the sector's middle half▲ 21.5%€138,976below the sector's middle half▼ 9.2%€151,626within the sector's middle half▲ 9.1%
Debt€60,728▲ 74.2%€80,779▲ 33.0%€89,450▲ 10.7%€51,662▼ 42.2%€51,848▲ 0.4%
Working capital€28,558within the sector's middle half▲ 173%€39,174within the sector's middle half▲ 37.2%€57,528within the sector's middle half▲ 46.9%€81,314within the sector's middle half▲ 41.3%€93,778above the sector's middle half▲ 15.3%
Solvency36.9%within the sector's middle half▲ 2.5pp35.9%within the sector's middle half▼ 1.0pp41.5%within the sector's middle half▲ 5.7pp62.8%above the sector's middle half▲ 21.3pp65.8%above the sector's middle half▲ 3.0pp
Current ratio1.47within the sector's middle half▲ 0.171.48within the sector's middle half▲ 0.011.64within the sector's middle half▲ 0.162.57above the sector's middle half▲ 0.932.81within the sector's middle half▲ 0.23
Return on assets (ROA)17.9%above the sector's middle half▲ 11.7pp7.7%within the sector's middle half▼ 10.2pp12.0%above the sector's middle half▲ 4.3pp17.1%above the sector's middle half▲ 5.1pp8.2%within the sector's middle half▼ 8.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151,626
Fixed assets
€6,000 =
Current assets
€145,626 ▲ 9.5%
Equity and liabilities €151,626
Equity
€99,778 ▲ 14.3%
Debt
€51,848 ▲ 0.4%
Debt's share of the balance-sheet total falls from 37.2% to 34.2%. Equity and debt are higher.
Key figures and ratios
Quick ratio
0.28▲
2024 · 0.20
Debt to equity
0.52▼
2024 · 0.59
ROE
12.5%▼
2024 · 27.2%
Debt ≤ 1 year
€51,848▲
2024 · €51,662
Income taxes
€7,340
Staff costs
€5,100
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €285,657 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €259,724 | - |
| Remuneration, social security and pensions62 | - | - | - | - | €5,100 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €917 | €917 | - | - | - | - |
| Other operating charges640/8 | €191 | €85 | €201 | - | €85 | - |
| Gross operating margin9900 | €18,290 | €16,348 | €27,320 | €24,495 | €25,933 | ▲ 5.9% |
| Operating profit (loss)9901 | €17,182 | €15,346 | €27,119 | €24,495 | €20,748 | ▼ 15.3% |
| Financial income75/76B | - | - | - | - | €158 | - |
| Recurring financial income75 | - | - | - | - | €158 | - |
| Financial charges65/66B | - | - | - | €710 | €1,102 | ▲ 55.3% |
| Recurring financial charges65 | - | - | - | €710 | €1,102 | ▲ 55.3% |
| Profit (loss) for the period before taxes9903 | €17,182 | €15,346 | €27,119 | €23,786 | €19,804 | ▼ 16.7% |
| Income taxes67/77 | - | €5,647 | €8,765 | - | €7,340 | - |
| Profit (loss) for the period9904 | €17,182 | €9,699 | €18,354 | €23,786 | €12,464 | ▼ 47.6% |
| Profit (loss) for the period to be appropriated9905 | €17,182 | €9,699 | €18,354 | €23,786 | €12,464 | ▼ 47.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €96,203 | €125,953 | €152,978 | €138,976 | €151,626 | ▲ 9.1% |
| Fixed assets21/28 | €6,917 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Tangible fixed assets22/27 | €917 | - | - | - | - | - |
| Plant, machinery and equipment23 | €917 | - | - | - | - | - |
| Financial fixed assets28 | €6,000 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Current assets29/58 | €89,286 | €119,953 | €146,978 | €132,976 | €145,626 | ▲ 9.5% |
| Stocks and contracts in progress3 | €85,606 | €119,806 | €142,306 | €122,706 | €131,261 | ▲ 7.0% |
| Stocks30/36 | €85,606 | €119,806 | €142,306 | €122,706 | €131,261 | ▲ 7.0% |
| Amounts receivable within one year40/41 | €10 | €30 | €4,555 | €5,460 | €9,671 | ▲ 77.1% |
| Trade receivables40 | - | - | €4,525 | €5,400 | €9,581 | ▲ 77.4% |
| Other amounts receivable41 | €10 | €30 | €30 | €60 | €90 | ▲ 50.0% |
| Cash at bank and in hand54/58 | €3,671 | €118 | €118 | €4,810 | €4,694 | ▼ 2.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €96,203 | €125,953 | €152,978 | €138,976 | €151,626 | ▲ 9.1% |
| Equity10/15 | €35,475 | €45,174 | €63,528 | €87,314 | €99,778 | ▲ 14.3% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Outside capital11 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Share premium1100/10 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Profit (loss) carried forward14 | €18,615 | €28,314 | €46,668 | €70,454 | €82,918 | ▲ 17.7% |
| Amounts payable17/49 | €60,728 | €80,779 | €89,450 | €51,662 | €51,848 | ▲ 0.4% |
| Amounts payable within one year42/48 | €60,728 | €80,779 | €89,450 | €51,662 | €51,848 | ▲ 0.4% |
| Financial debts43 | - | €15,910 | €21,410 | - | - | - |
| Credit institutions430/8 | - | €15,910 | €21,410 | - | - | - |
| Trade debts44 | €49,216 | €28,496 | €59,903 | €18,305 | €10,380 | ▼ 43.3% |
| Suppliers440/4 | €49,216 | €28,496 | €59,903 | €18,305 | €10,380 | ▼ 43.3% |
| Taxes, remuneration and social security45 | €9,722 | €9,754 | €8,017 | €16,027 | €20,317 | ▲ 26.8% |
| Taxes450/3 | €9,722 | €9,754 | €8,017 | €16,027 | €20,317 | ▲ 26.8% |
| Other amounts payable47/48 | €1,790 | €26,619 | €120 | €17,330 | €21,150 | ▲ 22.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,182 | €9,699 | €18,354 | €23,786 | €12,464 | ▼ 47.6% |
| + Depreciation and write-downs630 | €917 | €917 | - | - | - | - |
| Operating cash flow (approximation) | €18,099 | €10,616 | €18,354 | €23,786 | €12,464 | ▼ 47.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€3,553 | €0 | €4,693 | -€116 | ▼ 102% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2020net €23,786 ▲29.6%
Net result €23,786, the highest in the series.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
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.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
Ground area
406 m²
Building footprint
220 m²
Volume, LiDAR
1,510 m³
Parcel 21523B0911/00C013, Brussels · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ERVA DECOR
since 20192.296.370.080
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0911/00C013 | Brussels | 406 m² | 1 · 220 m² | 13.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,605 companies in sector 47551 we hold annual accounts for 1,723. 1,331 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47551Retail sale of household furniture
E-invoicing
Reachable via Peppol
Peppol ID
0208:0738839793
Registered
11-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.