INTERDECO JOY
ActiveSummary
INTERDECO JOY has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€14,128) and a net result of -€1,797. Equity is growing by ~45.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability67▼-17
Solvency11▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 4.93 against 0.78 in 2023; short-term debt: 17% and cash: 32.2% of total assets), but equity is negative.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
-13.8%
Return on assets
-1.8%
Age of the figures
21 mo
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
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
28 d late
2023
34 d early
2022
11 d early
2021
2 d early
2020
5 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 20 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
-€14,128▼ 14.6%
2023 · -€12,331
Total assets
€102,313▼ 18.0%
2023 · €124,783
Net result
-€1,797
2023 · €15,346
Working capital
€68,625
2023 · -€30,409
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€34,628▼ 7.6%€23,891▼ 31.0%€24,150▲ 1.1%€20,811▼ 13.8%-€698
Net result€32,949above the sector's middle half▼ 7.6%€23,134within the sector's middle half▼ 29.8%€23,612within the sector's middle half▲ 2.1%€15,346within the sector's middle half▼ 35.0%-€1,797below the sector's middle half
Equity-€74,422below the sector's middle half▲ 30.7%-€51,288below the sector's middle half▲ 31.1%-€27,676below the sector's middle half▲ 46.0%-€12,331below the sector's middle half▲ 55.4%-€14,128below the sector's middle half▼ 14.6%
Total assets€127,832within the sector's middle half▼ 11.5%€109,657within the sector's middle half▼ 14.2%€125,902within the sector's middle half▲ 14.8%€124,783within the sector's middle half▼ 0.9%€102,313within the sector's middle half▼ 18.0%
Debt€202,254▼ 19.7%€160,945▼ 20.4%€153,578▼ 4.6%€137,114▼ 10.7%€116,441▼ 15.1%
Working capital-€99,216below the sector's middle half▲ 25.1%-€69,848below the sector's middle half▲ 29.6%-€47,255below the sector's middle half▲ 32.3%-€30,409below the sector's middle half▲ 35.6%€68,625within the sector's middle half
Solvency-58.2%below the sector's middle half▲ 16.1pp-46.8%below the sector's middle half▲ 11.4pp-22.0%below the sector's middle half▲ 24.8pp-9.9%below the sector's middle half▲ 12.1pp-13.8%below the sector's middle half▼ 3.9pp
Current ratio0.50below the sector's middle half▲ 0.070.56below the sector's middle half▲ 0.060.69below the sector's middle half▲ 0.130.78below the sector's middle half▲ 0.094.93above the sector's middle half▲ 4.16
Return on assets (ROA)25.8%above the sector's middle half▲ 1.1pp21.1%above the sector's middle half▼ 4.7pp18.8%above the sector's middle half▼ 2.3pp12.3%within the sector's middle half▼ 6.5pp-1.8%below the sector's middle half▼ 14.1pp
Staff (FTE)1.3within the sector's middle half▼ 50.0%1▼ 23.1%1=
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €698 after €20,811 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €102,313
Fixed assets
€16,247 ▼ 10.1%
Current assets
€86,066 ▼ 19.3%
Key figures and ratios
EBITDA
€3,396▼
2023 · €25,149
Cash flow
€2,297▼
2023 · €19,684
Quick ratio
3.68▲
2023 · 0.63
Debt to equity
-8.24▲
2023 · -11.12
Interest coverage
9.30▼
2023 · 110.56
Debt ≤ 1 year
€17,441▼
2023 · €137,114
Debt > 1 year
€99,000
Income taxes
€735▼
2023 · €5,499
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,795 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
2.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,795 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €48,567 | €50,334 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,306 | €10,758 | €4,095 | €4,338 | €4,094 | ▼ 5.6% |
| Other operating charges640/8 | - | €9,166 | €3,248 | €2,449 | €1,763 | ▼ 28.0% |
| Gross operating margin9900 | €110,777 | €92,382 | €81,828 | €27,598 | €5,159 | ▼ 81.3% |
| Operating profit (loss)9901 | €34,628 | €23,891 | €24,150 | €20,811 | -€698 | ▼ 103% |
| Financial income75/76B | - | €10 | €9 | €261 | €1 | ▼ 99.6% |
| Recurring financial income75 | €19 | €10 | €9 | €261 | €1 | ▼ 99.6% |
| Financial charges65/66B | - | €467 | €278 | €227 | €365 | ▲ 60.5% |
| Recurring financial charges65 | €887 | €467 | €278 | €227 | €365 | ▲ 60.5% |
| Profit (loss) for the period before taxes9903 | €33,760 | €23,434 | €23,881 | €20,845 | -€1,062 | ▼ 105% |
| Income taxes67/77 | €811 | €300 | €270 | €5,499 | €735 | ▼ 86.6% |
| Profit (loss) for the period9904 | €32,949 | €23,134 | €23,612 | €15,346 | -€1,797 | ▼ 112% |
| Profit (loss) for the period to be appropriated9905 | €32,949 | €23,134 | €23,612 | €15,346 | -€1,797 | ▼ 112% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €127,832 | €109,657 | €125,902 | €124,783 | €102,313 | ▼ 18.0% |
| Fixed assets21/28 | €27,993 | €19,810 | €20,754 | €18,079 | €16,247 | ▼ 10.1% |
| Tangible fixed assets22/27 | €27,993 | €19,810 | €20,754 | €18,079 | €16,247 | ▼ 10.1% |
| Land and buildings22 | - | €11,902 | €11,024 | €10,146 | €10,688 | ▲ 5.3% |
| Plant, machinery and equipment23 | - | €7,665 | €9,730 | €7,933 | €5,559 | ▼ 29.9% |
| Furniture and vehicles24 | - | €242 | - | - | - | - |
| Current assets29/58 | €99,839 | €89,847 | €105,148 | €106,704 | €86,066 | ▼ 19.3% |
| Stocks and contracts in progress3 | €17,050 | €15,750 | €16,450 | €20,825 | €21,833 | ▲ 4.8% |
| Stocks30/36 | - | €15,750 | €16,450 | €20,825 | €16,140 | ▼ 22.5% |
| Contracts in progress37 | - | - | - | - | €5,693 | - |
| Amounts receivable within one year40/41 | €48,480 | €56,475 | €45,188 | €40,848 | €27,227 | ▼ 33.3% |
| Trade receivables40 | - | €56,425 | €44,481 | €39,914 | €25,811 | ▼ 35.3% |
| Other amounts receivable41 | - | €50 | €707 | €935 | €1,416 | ▲ 51.5% |
| Cash at bank and in hand54/58 | €29,968 | €13,070 | €38,952 | €40,804 | €32,974 | ▼ 19.2% |
| Deferred charges and accrued income490/1 | - | €4,553 | €4,558 | €4,227 | €4,032 | ▼ 4.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €127,832 | €109,657 | €125,902 | €124,783 | €102,313 | ▼ 18.0% |
| Equity10/15 | -€74,422 | -€51,288 | -€27,676 | -€12,331 | -€14,128 | ▼ 14.6% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | - | - | - | - | €1,860 | - |
| Profit (loss) carried forward14 | -€82,482 | -€59,348 | -€35,736 | -€20,391 | -€22,188 | ▼ 8.8% |
| Amounts payable17/49 | €202,254 | €160,945 | €153,578 | €137,114 | €116,441 | ▼ 15.1% |
| Amounts payable after more than one year17 | €2,464 | - | - | - | €99,000 | - |
| Financial debts170/4 | - | - | - | - | €99,000 | - |
| Amounts payable within one year42/48 | €199,055 | €159,695 | €152,403 | €137,114 | €17,441 | ▼ 87.3% |
| Current portion of amounts payable after more than one year42 | - | €2,464 | - | - | - | - |
| Trade debts44 | €10,525 | €8,064 | €14,731 | €14,197 | €8,723 | ▼ 38.6% |
| Suppliers440/4 | - | €8,064 | €14,731 | €14,197 | €8,723 | ▼ 38.6% |
| Advances received on contracts in progress46 | - | €371 | €371 | €371 | €371 | = |
| Taxes, remuneration and social security45 | - | €4,548 | €2,661 | €5,555 | €7,150 | ▲ 28.7% |
| Taxes450/3 | - | €2,829 | €698 | €5,555 | €7,150 | ▲ 28.7% |
| Remuneration and social security454/9 | - | €1,719 | €1,963 | - | - | - |
| Other amounts payable47/48 | - | €144,249 | €134,640 | €116,991 | €1,197 | ▼ 99.0% |
| Accrued charges and deferred income492/3 | - | €1,250 | €1,175 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32,949 | €23,134 | €23,612 | €15,346 | -€1,797 | ▼ 112% |
| + Depreciation and write-downs630 | €21,306 | €10,758 | €4,095 | €4,338 | €4,094 | ▼ 5.6% |
| Operating cash flow (approximation) | €54,255 | €33,892 | €27,707 | €19,684 | €2,297 | ▼ 88.3% |
| Investment in fixed assets (approximation) | - | -€2,575 | -€5,040 | -€1,663 | -€2,262 | ▼ 36.1% |
| Change in cash | - | -€16,898 | €25,882 | €1,851 | -€7,830 | ▼ 523% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity times 6current ratio 4.93
Current ratio from 0.78 to 4.93; short-term debt falls from €137,114 to €17,441.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €35,657
Net result €35,657 after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
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.
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
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, Aalst · 1 establishment unit since 2006
Ground area
183 m²
Building footprint
280 m²
Volume, LiDAR
3,491 m³
Parcel 41002A2334/00B000, Flanders · tallest building 22.7 m, ±6 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Interdeco Joy
since 20062.151.444.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A2334/00B000 | Flanders | 183 m² | 1 · 280 m² | 22.7 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 20,025 companies in sector 43320 we hold annual accounts for 9,140. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-02-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74140Other specialised design activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0879091501
Also
9925:BE0879091501
Registered
24-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.