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J & M DECOENE

Active
Private limited companyfounded 1990active for 36 yearsStrandlaan(Kok) 119, 8670 Koksijde, BelgiumKBO/BCE: BE 0439.397.132
Summary

J & M DECOENE has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207,154 and a net result of -€1,795. Equity has been growing by about 3.1% per year since 2018. Its solvency ranks better than 48% of 34,954 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 05-01-1990 Normal situation
Activity
Painting of buildings NACE 43341
Joint committee
124 Paritair Comité voor het bouwbedrijf · annual accounts 2025
Establishment unit
2.047.239.438 8670 Koksijde, since 26-02-1990
Financial year end
31 December
Peppol
Reachable since 18-11-2025

Board and ownership

Board

Financial position

85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€240,989
▲ 23.3%
Turnover
≈ €800,000
estimated
Loss
€1,795
Equity
€207,154
▼ 0.9%
Total assets
€461,625
▼ 3.5%
Employees on 31-12-2025
3
=
  • 2025 accounts filed 20 days after the deadline
Score breakdownraises riskSector: Specialised construction activities (NACE 43)lowers riskSize: total assets €461,625Founded in 1990Figures for financial year 2025 (filed on 26-08-2026)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 35% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Average
Solvency 70+1
equity 44.9% of total assets
Liquidity 37-1
short-term debt 44.7% · cash 6.8%
Profitability 68-5
return on assets -0.4%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.2 percentage points vs 06-2025 08-2025: 0.2%▼ -0.3 percentage points vs 07-2025lowest value 09-2025: 0.2%● unchanged vs 08-2025lowest value 10-2025: 0.2%● unchanged vs 09-2025lowest value 11-2025: 0.2%● unchanged vs 10-2025lowest value 12-2025: 0.2%● unchanged vs 11-2025lowest value 01-2026: 0.2%● unchanged vs 12-2025lowest value 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.3%▲ +0.1 percentage points vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.3 percentage points vs 07-2026highest value 09-2026: 0.3%▼ -0.3 percentage points vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026
Credit of up to €17,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.56 (0.43 in 2024), below 1. Short-term debt is 44.7% and cash 6.8% of total assets. 55.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 48% of them on solvency, 25% on liquidity, 34% on profitability and 33% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Size: total assets €461,625
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 1990
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 26-08-2026)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
20 days late
2024
20 days early
2023
79 days early
2022
18 days early
2021
136 days early
2020
109 days early
2019
86 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 61 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 July (4 of the last 5 accounts filed within 58 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 5th oldest company in Koksijde, Construction sectorin the Checked rankings No. 5 View

Recent changes

  1. · Gazette deed Company renamed from J & M DECOENE BVBA to J & M DECOENEAppointments: DE COENE Jean (director) and DE COENE Michel (director)
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as J & M DECOENE: painting of buildings (NACE 43341). They are comparable in size and age: total assets between €406,000 and €604,000, founded between 1980 and 1996.

CompanyTotal assetsGross margin
J & M DECOENE Koksijde€461,625€240,989
ARTE DECOBELLO Pajottegem€501,548€223,578
Raf & Geert Anseeuw Oostkamp€501,025€320,056
Oscarpainters Anzegem€603,558€294,988
DECOR CLARYSSE Izegem€511,794€373,967
De Duizendpoot Torhout€406,213€170,501
DECOGIDS Hooglede€577,316€323,932
Full comparison

Key facts about J & M DECOENE

What is the company number of J & M DECOENE?
The company number of J & M DECOENE is 0439.397.132. The VAT number is the same number with BE in front: BE 0439.397.132.
Where is J & M DECOENE based?
The registered office is at Strandlaan(Kok) 119, 8670 Koksijde.Company details
What does J & M DECOENE do?
According to the KBO register, the main activity is painting of buildings (NACE 43341).
What is the legal form of J & M DECOENE?
The legal form of J & M DECOENE is Private limited company (BV).
When was J & M DECOENE founded?
J & M DECOENE was founded on 05-01-1990.
Is J & M DECOENE still active?
Yes, J & M DECOENE is an active enterprise in the KBO register.
How many employees does J & M DECOENE have?
J & M DECOENE had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does J & M DECOENE fall under?
In its 2025 annual accounts, J & M DECOENE states joint committee 124 (Paritair Comité voor het bouwbedrijf).
What is the turnover of J & M DECOENE?
The turnover in financial year 2025 is ≈ €800,000. This figure is estimated from the gross margin of €240,989 and 62 comparable companies (NACE 433). It probably lies between €570,000 and €1.2m.
Is J & M DECOENE profitable?
In financial year 2025, J & M DECOENE made a loss of €1,795.
Where can I find the annual accounts of J & M DECOENE?
J & M DECOENE filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of J & M DECOENE due?
J & M DECOENE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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