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FMT DECOR

Active
Private limited companyfounded 20206 yrs activeRinglaan 36, 1730 Asse, BelgiumKBO/BCE: BE 0752.530.849

The computed 12-month bankruptcy probability of FMT DECOR is 2.1% (moderate). The 2025 annual accounts show equity of €21k and a net result of €5k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 26547 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
100 / 100
Excellent▲ +19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency89▲+13
Growth78=
Stability100
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.17 in 2024), and 42.6% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 6 years 0 10 y
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
57.4%
Return on assets
12.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 11-07-2026, 11 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 · 5 filings
Deviation from the deadline
2025
11 d late
2024
1 d late
2023
3 d early
2022
3 d early
2021
7 d early
← before the deadline after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
05-09-2026 today30-11-2026 close30-06-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover
€124k
EBIT margin
2.5%
Net result
€5k▲ 44.5%
2024 · €3k
2021: €2k 2022: €3k 2023: €4k 2024: €3k
2021 → 2025
Working capital
€10k▲ 225%
2024 · €3k
2021: €-9k 2022: €-22k 2023: €-12k 2024: €3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€124k-
Equity€7k-€10k▲ 43.9%€14k▲ 36.7%€17k▲ 23.4%€21k▲ 27.4%
Operating result€3k-€4k▲ 34.2%€5k▲ 30.1%€4k▼ 16.9%€6k▲ 36.8%
Net result€2k-€3k▲ 61.4%€4k▲ 20.2%€3k▼ 12.7%€5k▲ 44.5%
Result per fiscal year
Operating resultNet result
€0€2k€4k€6kOperating result 2021: €3k€3kNet result 2021: €2k€2kOperating result 2022: €4k€4kNet result 2022: €3k€3kOperating result 2023: €5k€5kNet result 2023: €4k€4kOperating result 2024: €4k€4kNet result 2024: €3k€3kOperating result 2025: €6k€6kNet result 2025: €5k€5k20212022202320242025
The operating result recovers in 2025; 2025 is 37% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets €12k▼ 15.0%
Current assets €25k▲ 25.9%
Equity and liabilities €37k
Equity €21k▲ 27.4%
Debt €16k▼ 8.2%
The debt ratio falls from 50.8% to 42.6%: equity grows while debt is paid down.
Key figures and ratios
2025 value · change against 2024
EBITDA
€20k
2024 · €18k
Cash flow
€18k
2024 · €17k
Solvency
57.4%
2024 · 49.2%
Current ratio
1.61
2024 · 1.17
Quick ratio
1.61
2024 · 1.17
Debt / equity
0.74
2024 · 1.03
ROE
21.5%
2024 · 19.0%
ROA
12.3%
2024 · 9.3%
Interest coverage
183.74
2024 · 163.17
Debt
€16k
2024 · €17k
Debt ≤ 1 year
€16k
2024 · €17k
Income taxes
€1k
2024 · €1k
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
Total assets 20/58€34k€37k
Fixed assets 21/28€14k€12k
Tangible fixed assets 22/27€14k€12k
Current assets 29/58€20k€25k
Amounts receivable within one year 40/41€2k€17k
Cash & bank 54/58€18k€8k
Total equity & liabilities 10/49€34k€37k
Equity 10/15€17k€21k
Contributions / capital 10/11€5k€5k=
Accumulated profits (losses) 14€12k€16k
Amounts payable 17/49€17k€16k
Amounts payable within one year 42/48€17k€16k
Trade debts payable within one year 44€6k€12k
Income statement Code20242025
Gross operating margin 9900€19k€20k
Operating result 9901€4k€6k
Financial charges 65€111€108
Result before taxes 9903€4k€6k
Income taxes 67/77€1k€1k
Net result for the period 9904€3k€5k
Result to be appropriated 9905€3k€5k

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-06-2027
2026
11-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-11
Financial Highest result since 2021net €5k ▲44.5%
Operating result €6k, net result €5k, both a record.
01-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
27-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing Annual accounts filed
fiscal year 2021 · 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

Comparable companies · same sector, comparable size

Similar companies · same sector, comparable size

Of 22,733 companies in sector 43211 we hold annual accounts for 10,108. 7,135 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded12-08-2020
Fiscal year end30-11
Activities, NACEBEL
43211General electrical installation work
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 28-07-2026. Scores and ratios are computed by Checked and are not a credit decision.