INTERDECOR
ActiveINTERDECOR has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €198k and a net result of €75k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 23% of 3569 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
68
/ 100
Healthy▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency32▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.4 in 2023), and 79.4% 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
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
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 3569 sector peers (2024).
NBB · sector comparisonPosition among 3569 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
22 d late
2022
31 d late
2021
58 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€75k▼ 57.2%
2023 · €175k
2018: €73k
2019: €146k
2020: €6k
2021: €46k
2022: €53k
2023: €175k
2018 → 2024
Working capital
€188k▼ 30.5%
2023 · €271k
2018: €98k
2019: €116k
2020: €120k
2021: €150k
2022: €151k
2023: €271k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€143k-€145k▲ 1.0%€147k▲ 1.8%€198k▲ 34.3%€198k=
Operating result€15k-€55k▲ 255%€65k▲ 19.2%€209k▲ 220%€88k▼ 57.6%
Net result€6k-€46k▲ 631%€53k▲ 13.4%€175k▲ 233%€75k▼ 57.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 58% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €961k
Fixed assets
€38k▼ 1.8%
Current assets
€922k▼ 2.3%
Equity and liabilities €961k
Equity
€198k=
Debt
€763k▼ 2.9%
The debt ratio falls from 79.9% to 79.4%: debt is paid down.
Key figures and ratios
EBITDA
€99k▼
2023 · €216k
Cash flow
€86k▼
2023 · €183k
Solvency
20.6%▲
2023 · 20.1%
Current ratio
1.26▼
2023 · 1.40
Quick ratio
1.26▼
2023 · 1.40
Debt / equity
3.86▼
2023 · 3.97
ROE
38.0%▼
2023 · 88.8%
ROA
7.8%▼
2023 · 17.8%
Interest coverage
10.49▼
2023 · 20.07
Debt
€763k▼
2023 · €786k
Debt ≤ 1 year
€734k▲
2023 · €673k
Debt > 1 year
€22k▲
2023 · €8k
Income taxes
€4k▼
2023 · €23k
Staff costs
€154k▼
2023 · €158k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€983k€961k▼
Fixed assets21/28€39k€38k▼
Tangible fixed assets22/27€21k€20k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€18k€18k▲
Financial fixed assets28€19k€19k=
Current assets29/58€944k€922k▼
Amounts receivable after more than one year29€578k€646k▲
Other amounts receivable291€578k€646k▲
Amounts receivable within one year40/41€226k€103k▼
Trade receivables40€207k€66k▼
Other amounts receivable41€19k€37k▲
Cash at bank and in hand54/58€138k€172k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€983k€961k▼
Equity10/15€198k€198k=
Contributions10/11€19k€19k=
Reserves13€26k€176k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€23k€23k=
Distributable reserves133€1k€151k▲
Profit (loss) carried forward14€153k€3k▼
Amounts payable17/49€786k€763k▼
Amounts payable after more than one year17€8k€22k▲
Financial debts170/4€8k€22k▲
Amounts payable within one year42/48€673k€734k▲
Current portion of amounts payable after more than one year42€5k€21k▲
Financial debts43€50k€125k▲
Credit institutions430/8€50k€125k▲
Trade debts44€451k€302k▼
Suppliers440/4€451k€302k▼
Taxes, remuneration and social security45€37k€31k▼
Taxes450/3€28k€27k▼
Remuneration and social security454/9€9k€5k▼
Other amounts payable47/48€130k€255k▲
Accrued charges and deferred income492/3€105k€7k▼
Income statement
Code20232024
Remuneration, social security and pensions62€158k€154k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€11k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€377k€256k▼
Operating profit (loss)9901€209k€88k▼
Financial income75/76B€152€171▲
Recurring financial income75€152€171▲
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€198k€79k▼
Income taxes67/77€23k€4k▼
Profit (loss) for the period9904€175k€75k▼
Profit (loss) for the period to be appropriated9905€175k€75k▼
Appropriation of the result
Profit (loss) to be appropriated9906€278k€228k▼
Profit (loss) brought forward from the previous period14P€102k€153k▲
Transfer to equity691/2-€150k
To other reserves6921-€150k
Profit to be distributed694/7€125k€75k▼
Directors or managers695€125k€75k▼
Social balance
Average headcount (FTE)90876.03.0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
31-12
Financial
Highest result since 2018net €175k ▲233%
Operating result €209k, net result €175k, both a record.
31-12
Financial
Equity above €150kEq €198k ▲34.3%
6 profitable years in a row build equity to €198k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €6k ▼95.7%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 68 days late
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 83 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
2016
12-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 73 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Waterloo · 1 establishment unit since 1970
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.
Chaussée de Bruxelles 1021410 WaterlooGround area
776 m²
Building footprint
101 m²
Volume, LiDAR
948 m³
Parcel 25762H0351/00B000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INTERDECOR
since 19702.202.208.123
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762H0351/00B000 | Wallonia | 776 m² | 1 · 101 m² | 11.7 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
MERODE INTERIEUR
BE 0808.745.220
Lanaken · Eq €198k
SRS BENELUX
BE 0437.065.271
Villers-la-Ville · Eq €198k
MEULEMAN & CO
BE 0692.939.888
Kortrijk · Eq €202k
LTM
BE 0753.800.361
Vosselaar · Eq €205k
SUPPLY COLOR
BE 0676.825.715
Brugge · Eq €189k
Of 907 companies in sector 43333 we hold annual accounts for 397. 315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-12-1969
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
45433
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.