FC DECO
ActiveFC DECO has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 90% of 27358 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-18
Solvency100=
Growth85=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 7.86 against 2.82 in 2024), and 13.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
86.6%
Return on assets
6.2%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €22k
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
on the day
2023
28 d late
2022
64 d late
2021
62 d late
2020
58 d late
2019
38 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€45k▼ 11.0%
2020 · €51k
2018: €7k
2019: €41k
2020: €51k
2018 → 2021
EBIT margin
2.3%▼ 6.3pp
2020 · 8.6%
2018: -102.8%
2019: 16.9%
2020: 8.6%
2018 → 2021
Net result
€2k▼ 28.2%
2024 · €2k
2018: €-7k
2019: €7k
2020: €8k
2021: €262
2022: €-6k
2023: €-9k
2024: €2k
2018 → 2025
Working capital
€22k▲ 8.8%
2024 · €20k
2018: €18k
2019: €24k
2020: €28k
2021: €30k
2022: €25k
2023: €18k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€45k-
Equity€33k-€27k▼ 18.7%€18k▼ 32.2%€21k▲ 12.1%€22k▲ 7.8%
Operating result€1k-€-6k€-9k▼ 37.4%€3k€2k▼ 12.9%
Net result€262-€-6k€-9k▼ 40.2%€2k€2k▼ 28.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€186=
Current assets
€26k▼ 19.6%
Equity and liabilities €26k
Equity
€22k▲ 7.8%
Debt
€3k▼ 69.4%
The debt ratio falls from 35.3% to 13.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
86.6%▲
2024 · 64.7%
Current ratio
7.86▲
2024 · 2.82
Quick ratio
5.86▲
2024 · 2.24
Debt / equity
0.15▼
2024 · 0.55
ROE
7.2%▼
2024 · 10.8%
ROA
6.2%▼
2024 · 7.0%
Debt
€3k▼
2024 · €11k
Debt ≤ 1 year
€3k▼
2024 · €11k
Staff costs
€203▲
2024 · €190
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€32k€26k▼
Fixed assets21/28€186€186=
Financial fixed assets28€186€186=
Current assets29/58€32k€26k▼
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€24k€18k▼
Trade receivables40€19k€16k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€1k€1k▲
Deferred charges and accrued income490/1€96-
Equity and liabilities
Total equity and liabilities10/49€32k€26k▼
Equity10/15€21k€22k▲
Contributions10/11€19k€19k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-16k€-15k▲
Amounts payable17/49€11k€3k▼
Amounts payable within one year42/48€11k€3k▼
Current portion of amounts payable after more than one year42€3k-
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€161€161=
Taxes450/3€161€161=
Other amounts payable47/48-€156
Accrued charges and deferred income492/3-€199
Income statement
Code20242025
Remuneration, social security and pensions62€190€203▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k-
Other operating charges640/8€1k€223▼
Non-recurring operating charges66A€280€292▲
Gross operating margin9900€8k€3k▼
Operating profit (loss)9901€3k€2k▼
Financial income75/76B€0€8▲
Recurring financial income75€0€8▲
Financial charges65/66B€331€639▲
Recurring financial charges65€331€639▲
Profit (loss) for the period before taxes9903€2k€2k▼
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-15k▲
Profit (loss) brought forward from the previous period14P€-19k€-16k▲
The notes to these accounts (4 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 7.86
Current ratio from 2.82 to 7.86; short-term debt falls from €11k to €3k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 62 days late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 58 days late
2020
31-12
Financial
Highest result since 2018net €8k ▲22%
Net result €8k, the highest in the series.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 38 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 236 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2018
14-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 45 days late
2017
25-07
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
3 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, Visé · 1 establishment unit 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.
Rue du Perron(VIS) 144600 ViséGround area
328 m²
Building footprint
123 m²
Volume, LiDAR
1,396 m³
2 parcels, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Basse(VIS) 51, 4600 Visé
since 19832.023.690.016
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108C0187/00H000 | Wallonia | 222 m² | 1 · 84 m² | 14.4 m · 4 fl. |
| 62108C0125/00V000 | Wallonia | 106 m² | 1 · 38 m² | 8.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0786.777.490
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BE 0665.577.673
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WESLEY DECORATION
BE 0654.879.464
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ATRA CONSTRUCTION
BE 1008.695.476
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DECO LAMMERTYN
BE 0897.254.552
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Of 7,814 companies in sector 43341 we hold annual accounts for 2,639. 2,082 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-1983
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.