JEROME DECOR
ActiveSummary
JEROME DECOR has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €2k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 48% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+8
Solvency71▲+15
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.34 in 2024; short-term debt: 54.4% and cash: 5% of total assets), but 54.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+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 →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
on the day
2022
7 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 20.0%
2024 · €10k
2022: €15k
2023: €15k▲ +2.7% vs 2022highest in 4 years
2024: €10k▼ -33.5% vs 2023lowest in 4 years
2025: €12k▲ +20.0% vs 2024
2022 → 2025
Total assets
€26k▼ 18.8%
2024 · €32k
2022: €33khighest in 4 years
2023: €24k▼ -28.5% vs 2022lowest in 4 years
2024: €32k▲ +35.8% vs 2023
2025: €26k▼ -18.8% vs 2024
2022 → 2025
Net result
€2k▲ 809%
2024 · €220
2022: €4khighest in 4 years
2023: €389▼ -90.8% vs 2022
2024: €220▼ -43.4% vs 2023lowest in 4 years
2025: €2k▲ +809% vs 2024
2022 → 2025
Working capital
€9k▲ 17.9%
2024 · €8k
2022: €6klowest in 4 years
2023: €9k▲ +60.9% vs 2022highest in 4 years
2024: €8k▼ -18.8% vs 2023
2025: €9k▲ +17.9% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€15k▲ 2.7%€10k▼ 33.5%€12k▲ 20.0%
2022: €15k
2023: €15k▲ +2.7% vs 2022highest in 4 years
2024: €10k▼ -33.5% vs 2023lowest in 4 years
2025: €12k▲ +20.0% vs 2024
Operating result€4k-€356▼ 91.4%€917▲ 158%€3k▲ 194%
2022: €4khighest in 4 years
2023: €356▼ -91.4% vs 2022lowest in 4 years
2024: €917▲ +158% vs 2023
2025: €3k▲ +194% vs 2024
Net result€4k-€389▼ 90.8%€220▼ 43.4%€2k▲ 809%
2022: €4khighest in 4 years
2023: €389▼ -90.8% vs 2022
2024: €220▼ -43.4% vs 2023lowest in 4 years
2025: €2k▲ +809% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 194% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€3k ▲ 21.8%
Current assets
€23k ▼ 22.1%
Equity and liabilities €26k
Equity
€12k ▲ 20.0%
Debt
€14k ▼ 36.1%
Debt's share of the balance-sheet total falls from 69.2% to 54.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €4k
Cash flow
€5k▲
2024 · €3k
Current ratio
1.63▲
2024 · 1.34
Debt to equity
1.19▼
2024 · 2.24
ROE
16.7%▲
2024 · 2.2%
ROA
7.6%▲
2024 · 0.7%
Interest coverage
23.81▼
2024 · 25.69
Debt ≤ 1 year
€14k▼
2024 · €22k
Income taxes
€971▲
2024 · €912
Staff costs
€14k▼
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€26k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€1k€522▼
Furniture and vehicles24€808€2k▲
Financial fixed assets28€185€185=
Current assets29/58€30k€23k▼
Amounts receivable within one year40/41€25k€22k▼
Trade receivables40€14k€11k▼
Other amounts receivable41€10k€11k▲
Cash at bank and in hand54/58€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€32k€26k▼
Equity10/15€10k€12k▲
Contributions10/11€1k€1k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-9k€-7k▲
Amounts payable17/49€22k€14k▼
Amounts payable within one year42/48€22k€14k▼
Financial debts43€13€13=
Credit institutions430/8€13€13=
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Advances received on contracts in progress46€4k€0▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€5k€0▼
Accrued charges and deferred income492/3€103€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€23k€14k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€2k€914▼
Gross operating margin9900€29k€21k▼
Operating profit (loss)9901€917€3k▲
Financial income75/76B€374€527▲
Recurring financial income75€374€527▲
Financial charges65/66B€159€255▲
Recurring financial charges65€159€255▲
Profit (loss) for the period before taxes9903€1k€3k▲
Income taxes67/77€912€971▲
Profit (loss) for the period9904€220€2k▲
Profit (loss) for the period to be appropriated9905€220€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-7k▲
Profit (loss) brought forward from the previous period14P€-9k€-9k▲
Transfer from equity791/2€5k€0▼
Profit to be distributed694/7€5k€0▼
Return on contributions (dividend)694€5k€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €25k | €25k | €23k | €14k | ▼ 42.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €3k | €3k | €3k | ▲ 6.3% |
| Other operating charges640/8 | €1k | €1k | €2k | €914 | ▼ 45.2% |
| Gross operating margin9900 | €34k | €29k | €29k | €21k | ▼ 29.6% |
| Operating profit (loss)9901 | €4k | €356 | €917 | €3k | ▲ 194% |
| Financial income75/76B | €359 | €314 | €374 | €527 | ▲ 40.9% |
| Recurring financial income75 | €359 | €314 | €374 | €527 | ▲ 40.9% |
| Financial charges65/66B | €270 | €281 | €159 | €255 | ▲ 60.2% |
| Recurring financial charges65 | €270 | €281 | €159 | €255 | ▲ 60.2% |
| Profit (loss) for the period before taxes9903 | €4k | €389 | €1k | €3k | ▲ 163% |
| Income taxes67/77 | - | - | €912 | €971 | ▲ 6.5% |
| Profit (loss) for the period9904 | €4k | €389 | €220 | €2k | ▲ 809% |
| Profit (loss) for the period to be appropriated9905 | €4k | €389 | €220 | €2k | ▲ 809% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €33k | €24k | €32k | €26k | ▼ 18.8% |
| Fixed assets21/28 | €9k | €6k | €2k | €3k | ▲ 21.8% |
| Tangible fixed assets22/27 | €9k | €5k | €2k | €3k | ▲ 23.5% |
| Plant, machinery and equipment23 | €5k | €3k | €1k | €522 | ▼ 64.5% |
| Furniture and vehicles24 | €4k | €2k | €808 | €2k | ▲ 184% |
| Financial fixed assets28 | €185 | €185 | €185 | €185 | = |
| Current assets29/58 | €25k | €18k | €30k | €23k | ▼ 22.1% |
| Amounts receivable within one year40/41 | €20k | €16k | €25k | €22k | ▼ 10.8% |
| Trade receivables40 | €15k | €10k | €14k | €11k | ▼ 24.8% |
| Other amounts receivable41 | €6k | €6k | €10k | €11k | ▲ 8.2% |
| Cash at bank and in hand54/58 | €4k | €2k | €5k | €1k | ▼ 75.1% |
| Deferred charges and accrued income490/1 | €799 | €0 | - | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €33k | €24k | €32k | €26k | ▼ 18.8% |
| Equity10/15 | €15k | €15k | €10k | €12k | ▲ 20.0% |
| Contributions10/11 | €1k | €1k | €1k | €1k | = |
| Reserves13 | €23k | €23k | €18k | €18k | = |
| Distributable reserves133 | €23k | €23k | €18k | €18k | = |
| Profit (loss) carried forward14 | €-9k | €-9k | €-9k | €-7k | ▲ 23.0% |
| Amounts payable17/49 | €19k | €9k | €22k | €14k | ▼ 36.1% |
| Amounts payable within one year42/48 | €19k | €9k | €22k | €14k | ▼ 35.8% |
| Financial debts43 | €14 | €14 | €13 | €13 | = |
| Credit institutions430/8 | €14 | €14 | €13 | €13 | = |
| Trade debts44 | €10k | €3k | €7k | €7k | ▼ 5.8% |
| Suppliers440/4 | €10k | €3k | €7k | €7k | ▼ 5.8% |
| Advances received on contracts in progress46 | - | - | €4k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €4k | €5k | €6k | €8k | ▲ 32.0% |
| Taxes450/3 | €1k | €2k | €3k | €4k | ▲ 32.9% |
| Remuneration and social security454/9 | €3k | €3k | €3k | €4k | ▲ 31.2% |
| Other amounts payable47/48 | €5k | €1k | €5k | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €0 | - | €103 | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €389 | €220 | €2k | ▲ 809% |
| + Depreciation and write-downs630 | €3k | €3k | €3k | €3k | ▲ 6.3% |
| Operating cash flow (approximation) | €8k | €4k | €3k | €5k | ▲ 58.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-4k | - |
| Change in cash | - | €-2k | €4k | €-4k | ▼ 211% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €220 ▼43.4%
Net result drops to €220, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Oostende · 1 establishment unit since 2016
Ground area
115 m²
Building footprint
91 m²
Volume, LiDAR
865 m³
Parcel 35013A1647/00V027, Flanders · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JEROME DECOR
since 20162.251.756.416
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1647/00V027 | Flanders | 114 m² | 1 · 90 m² | 14.0 m · 4 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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Of 7,289 companies in sector 43350 we hold annual accounts for 2,362. 1,509 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
43341Painting of buildings
Scores and ratios are computed by Checked and are not a credit decision.