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.

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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.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

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 →

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

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 →

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

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

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

31.5%

68.5%

Fixed assets €12k▼ 15.0%

Current assets €25k▲ 25.9%

Equity and liabilities €37k

57.4%

42.6%

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

All 6Financial 1Filings 5

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.

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

Directors · office · real estate

Comparable companies · same sector, comparable size

Similar companies · same sector, comparable size

JDW Dak & Elektriciteitswerken

BE 0772.759.705

Hasselt · Eq €21k

ALFA INTERNATIONAL SOLUTIONS

BE 0844.216.536

Antwerpen · Eq €21k

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.