IMMO DECOR
ActiveIMMO DECOR has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €16k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
71
/ 100
Healthy▲ +36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+96
Solvency35▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.47 in 2024), and 78.5% 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 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
21.5%
Return on assets
4.1%
Age of the figures
8 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 22-04-2026, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
15 d early
2023
78 d early
2022
7 d early
2021
83 d early
2020
80 d early
2019
3 d early
← 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
Equity
€84k▲ 23.6%
2024 · €68k
2018: €65k
2019: €47k
2020: €34k
2021: €66k
2022: €77k
2023: €78k
2024: €68k
2018 → 2025
Total assets
€390k▲ 7.8%
2024 · €362k
2018: €89k
2019: €83k
2020: €55k
2021: €75k
2022: €96k
2023: €116k
2024: €362k
2018 → 2025
Net result
€16k
2024 · €-10k
2018: €-37k
2019: €-18k
2020: €-14k
2021: €33k
2022: €11k
2023: €40k
2024: €-10k
2018 → 2025
Working capital
€22k▼ 8.8%
2024 · €24k
2018: €60k
2019: €42k
2020: €28k
2021: €66k
2022: €77k
2023: €71k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€77k▲ 16.5%€78k▲ 0.6%€68k▼ 12.6%€84k▲ 23.6%
Operating result€33k-€8k▼ 77.3%€47k▲ 528%€-6k€26k
Net result€33k-€11k▼ 66.7%€40k▲ 271%€-10k€16k
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: €26k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €390k
Fixed assets
€291k▲ 2.1%
Current assets
€99k▲ 28.8%
Equity and liabilities €390k
Equity
€84k▲ 23.6%
Debt
€306k▲ 4.1%
The debt ratio falls from 81.2% to 78.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€39k▲
2024 · €10k
Cash flow
€29k▲
2024 · €6k
Solvency
21.5%▲
2024 · 18.8%
Current ratio
1.29▼
2024 · 1.47
Quick ratio
0.62▼
2024 · 0.98
Debt / equity
3.64▼
2024 · 4.33
ROE
19.1%▲
2024 · -14.4%
ROA
4.1%▲
2024 · -2.7%
Interest coverage
4.14▲
2024 · 2.04
Debt
€306k▲
2024 · €294k
Debt ≤ 1 year
€77k▲
2024 · €52k
Debt > 1 year
€229k▼
2024 · €236k
Income taxes
€3k▲
2024 · €0
Staff costs
€54k▲
2024 · €54k
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€362k€390k▲
Fixed assets21/28€285k€291k▲
Tangible fixed assets22/27€285k€291k▲
Land and buildings22€274k€271k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€9k€19k▲
Financial fixed assets28€0-
Current assets29/58€77k€99k▲
Stocks and contracts in progress3€25k€51k▲
Stocks30/36€25k€28k▲
Contracts in progress37-€23k
Amounts receivable within one year40/41€40k€22k▼
Trade receivables40€37k€16k▼
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€10k€20k▲
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€362k€390k▲
Equity10/15€68k€84k▲
Contributions10/11€70k€70k=
Reserves13€11k€14k▲
Distributable reserves133€11k€14k▲
Profit (loss) carried forward14€-13k€0▲
Amounts payable17/49€294k€306k▲
Amounts payable after more than one year17€236k€229k▼
Financial debts170/4€236k€228k▼
Other amounts payable178/9-€1k
Amounts payable within one year42/48€52k€77k▲
Current portion of amounts payable after more than one year42€14k€18k▲
Trade debts44€11k€37k▲
Suppliers440/4€11k€37k▲
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€4k€1k▼
Remuneration and social security454/9€6k€1k▼
Other amounts payable47/48€17k€19k▲
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€54k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€13k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€65k€96k▲
Operating profit (loss)9901€-6k€26k▲
Financial income75/76B€792€2k▲
Recurring financial income75€792€2k▲
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€-10k€19k▲
Income taxes67/77€0€3k▲
Profit (loss) for the period9904€-10k€16k▲
Profit (loss) for the period to be appropriated9905€-10k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€3k▲
Profit (loss) brought forward from the previous period14P€-3k€-13k▼
Transfer to equity691/2-€3k
To other reserves6921-€3k
The notes to these accounts (10 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €40k ▲271%
Operating result €47k, net result €40k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €33k
Net result €33k after 3 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 9.04
Current ratio from 2.30 to 9.04; short-term debt falls from €22k to €8k.
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ronse · 1 establishment unit since 1981
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.
Oswald Ponettestraat 419600 RonseGround area
485 m²
Building footprint
135 m²
Volume, LiDAR
938 m³
Parcel 45423E0103/00Y017, Flanders · tallest building 13.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO DECOR
since 19812.019.723.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45423E0103/00Y017 | Flanders | 485 m² | 1 · 135 m² | 13.8 m · 2 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.
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RUSSO FRERES
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La Louvière · Eq €84k
KRISTOF PRIEM
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Of 7,814 companies in sector 43341 we hold annual accounts for 2,639. 2,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-1981
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
47530Retail trade
52486
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.