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Mat & Deco

Active
Private limited companyfounded 2016active for 10 yearsSteendorpsebaan 10 A, 9150 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0662.496.142
Summary

The computed 12-month bankruptcy probability of Mat & Deco is 7.9% (elevated). The 2024 annual accounts show equity of €394,475 and a net result of €59,533. Equity is shrinking by about 2.9% per year across the filed financial years. Its solvency ranks better than 53% of 8,972 sector peers (NACE 46, financial year 2024). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
Mat & DecoActiveChecked score 35/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46641
1 site
Size
€840,769total assets 2024
Staff
3 FTE
Equity
€394,475
Profit
€59,533
Turnover not published (abbreviated format)
Financial health
35 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
7.9%
Structure
2025 accounts not filed, 86 days past the deadline2 of 3 deeds summarised
Why 35raises riskFigures for financial year 2024 (filed 05-09-2025)1 change of registered office in 24 months1 financial year not filed after the legal deadline; last filed accounts filed 99 days late; 1 of the last 3 lateLiquidity: current ratio 1.69, cash €6,349, halvedShow the evidence

Checked score

Score 2024
35 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 55% of its sector peers (NACE 46, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Average
Solvency 72+8
equity 46.9% of total assets
Liquidity 28+2
short-term debt 47.3% · cash 0.8%
Profitability 77+54
return on assets 7.1%
Bankruptcy probability, 12 months
7.9% Elevated
0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,871 companies, NACE 46, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.4%▼ -0.1 percentage points vs 01-2025lowest value 03-2025: 0.4%● unchanged vs 02-2025lowest value 04-2025: 0.5%▲ +0.1 percentage points vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.6%▲ +0.1 percentage points vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 1.1%▲ +0.4 percentage points vs 07-2025 09-2025: 1.4%▲ +0.3 percentage points vs 08-2025 10-2025: 1.2%▼ -0.2 percentage points vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.1%▼ -0.1 percentage points vs 02-2026 04-2026: 1.1%● unchanged vs 03-2026 05-2026: 2.3%▲ +1.2 percentage points vs 04-2026 06-2026: 2.3%● unchanged vs 05-2026 07-2026: 2.6%▲ +0.3 percentage points vs 06-2026 08-2026: 3.4%▲ +0.8 percentage points vs 07-2026 09-2026: 4.3%▲ +0.9 percentage points vs 08-2026 10-2026: 7.9%▲ +3.6 percentage points vs 09-2026highest value
Credit of up to €13,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity ample (current ratio 1.69, compared with 1.46 in 2023, above the usual 1.5; short-term debt: 47.3% and cash: 0.8% of total assets), but 53.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 55% on solvency, 25% on liquidity, 67% on profitability and 74% on growth.

The bankruptcy probability was computed on 24-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed 05-09-2025)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 99 days late; 1 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 1.69, cash €6,349, halved
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year €394,475
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 86 days later.
NBB · 9 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline25-10-2026 today
raises risk · 2024 accounts filed 99 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-11-2025, 99 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 9 filings
Deviation from the deadline
2025
not filed
2024
99 days late
2023
36 days early
2022
29 days late
2021
30 days late
2020
20 days late
2019
94 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 39 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Registered office · PurposePurpose change · Power of…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Back to profitnet €59,533

Key points

  • Positive: Back in profit in 2024after -€10,449 in 2023 €59,533 View
  • Caution: 2025 accounts not fileddeadline was 31-07-2026 86 days past the deadline View
  • One director decidessole director in office 1 View

By topic

Financials

Financial year
2024
Total assets
€840,769
Profit
€59,533
Solvency
46.9%
Total assets▼ 2.1%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2017
  1. 25-06-2024Annual accounts filed
  2. 27-03-2024Reappointment: VERMEULEN Filip (gewonebestuurder)
  3. 29-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46641
Founded
12-09-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
10
Who signs
Each director alone
Financial year
From 1 July to 30 June
Annual meeting
Second Friday of December at 18:00
Go to Articles of association

Key facts about Mat & Deco

What is the company number of Mat & Deco?
0662.496.142. In Belgium the VAT number is the company number with BE in front: BE 0662.496.142.
Where is Mat & Deco based?
The registered office is at Steendorpsebaan 10 A, 9150 Beveren-Kruibeke-Zwijndrecht.Company details
What does Mat & Deco do?
According to the KBO register, the main activity is wholesale trade (NACE 46641).
What is the legal form of Mat & Deco?
Private limited company (BV).
When was Mat & Deco founded?
On 12-09-2016.
Is Mat & Deco still active?
Yes, Mat & Deco is an active enterprise in the KBO register.
How many employees does Mat & Deco have?
On average 3 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of Mat & Deco?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Mat & Deco profitable?
In financial year 2024, Mat & Deco made a profit of €59,533.
Where can I find the annual accounts of Mat & Deco?
Mat & Deco filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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