FS DECO
ActiveThe computed 12-month bankruptcy probability of FS DECO is 3.4% (moderate). The 2025 annual accounts show negative equity (€-988) and a net result of €8k. Equity is shrinking by ~64.7% per year across the filed fiscal years. Its solvency ranks better than 9% of 27787 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+96
Solvency22▲+17
Growth32=
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 0.54 in 2024; short-term debt: 62.4% and cash: 16.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2.6%
Return on assets
22%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 9%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
11 d late
2023
31 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-988▲ 89.4%
2024 · €-9k
2023: €11k
2024: €-9k
2023 → 2025
Total assets
€38k▼ 18.5%
2024 · €46k
2023: €45k
2024: €46k
2023 → 2025
Net result
€8k
2024 · €-20k
2023: €10k
2024: €-20k
2023 → 2025
Working capital
€-4k▲ 65.9%
2024 · €-13k
2023: €30k
2024: €-13k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€-9k€-988▲ 89.4%
Operating result€13k-€-19k€10k
Net result€10k-€-20k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€19k▼ 41.3%
Current assets
€19k▲ 30.0%
Key figures and ratios
EBITDA
€24k▲
2024 · €-8k
Cash flow
€23k▲
2024 · €-9k
Solvency
-2.6%▲
2024 · -20.0%
Current ratio
0.82▲
2024 · 0.54
Quick ratio
0.82▲
2024 · 0.54
ROA
22.0%▲
2024 · -43.8%
Interest coverage
16.01▲
2024 · -4.70
Debt
€39k▼
2024 · €56k
Debt ≤ 1 year
€24k▼
2024 · €28k
Debt > 1 year
€15k▼
2024 · €28k
Income taxes
€189▲
2024 · €148
Equity ratios withheld: equity of €-988 is too small for a meaningful ratio.
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€46k€38k▼
Fixed assets21/28€32k€19k▼
Tangible fixed assets22/27€32k€19k▼
Plant, machinery and equipment23€574€395▼
Furniture and vehicles24€31k€18k▼
Current assets29/58€15k€19k▲
Amounts receivable within one year40/41€10k€12k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€3k€6k▲
Deferred charges and accrued income490/1€2k€988▼
Equity and liabilities
Total equity and liabilities10/49€46k€38k▼
Equity10/15€-9k€-988▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-12k€-4k▲
Amounts payable17/49€56k€39k▼
Amounts payable after more than one year17€28k€15k▼
Financial debts170/4€28k€15k▼
Amounts payable within one year42/48€28k€24k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€8k€996▼
Suppliers440/4€8k€996▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€4k€1k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€1k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-6k€26k▲
Operating profit (loss)9901€-19k€10k▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-20k€9k▲
Income taxes67/77€148€189▲
Profit (loss) for the period9904€-20k€8k▲
Profit (loss) for the period to be appropriated9905€-20k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-4k▲
Profit (loss) brought forward from the previous period14P€8k€-12k▼
The notes to these accounts (6 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Weakest financial yearnet €-20k ▼309%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 2023
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 de Gembloux(SS) 3055002 NamurGround area
287 m²
Building footprint
51 m²
Volume, LiDAR
481 m³
Parcel 92108B0340/00T003, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOPA DECO
since 20232.351.805.085
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0340/00T003 | Wallonia | 287 m² | 1 · 51 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
FEVER
BE 0837.702.193
Staden · Eq €11k
SOL PRESTIGE
BE 1031.909.061
Grâce-Hollogne · Eq €11k
JM FLOORS
BE 0780.452.991
Lebbeke · Eq €11k
Peintures Cecere
BE 0400.389.373
Vorst · Eq €11k
DECOVANOO
BE 0778.601.479
Waregem · Eq €12k
Of 914 companies in sector 43333 we hold annual accounts for 400. 212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2023
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
43342Specialised construction activities
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:lidisopa07@gmail.com
Phone:+32472115949