MERCHE DECOR
ActiveMERCHE DECOR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €4k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 26% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-3
Solvency46▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.52 in 2024; short-term debt: 46.1% and cash: 16.9% of total assets), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.6%
Return on assets
0.6%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d late
2023
44 d late
2022
75 d early
2021
51 d early
2020
39 d early
2019
27 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▼ 53.6%
2024 · €8k
2018: €10k
2019: €190
2020: €48k
2021: €57k
2022: €10k
2023: €-19k
2024: €8k
2018 → 2025
Working capital
€113k▼ 17.8%
2024 · €138k
2018: €161k
2019: €51k
2020: €194k
2021: €223k
2022: €128k
2023: €73k
2024: €138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€205k-€148k▼ 27.8%€120k▼ 18.9%€128k▲ 6.6%€132k▲ 2.9%
Operating result€88k-€17k▼ 80.6%€-13k€18k€15k▼ 14.8%
Net result€57k-€10k▼ 82.7%€-19k€8k€4k▼ 53.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €640k
Fixed assets
€232k▼ 3.5%
Current assets
€408k▲ 0.9%
Equity and liabilities €640k
Equity
€132k▲ 2.9%
Debt
€509k▼ 1.6%
The debt ratio falls from 80.1% to 79.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €58k
Cash flow
€45k▼
2024 · €48k
Solvency
20.6%▲
2024 · 19.9%
Current ratio
1.38▼
2024 · 1.52
Quick ratio
0.52▼
2024 · 0.55
Debt / equity
3.86▼
2024 · 4.04
ROE
2.8%▼
2024 · 6.2%
ROA
0.6%▼
2024 · 1.2%
Interest coverage
5.25▼
2024 · 5.45
Debt
€509k▼
2024 · €517k
Debt ≤ 1 year
€295k▲
2024 · €267k
Debt > 1 year
€213k▼
2024 · €249k
Income taxes
€1k▲
2024 · €318
Staff costs
€228k▲
2024 · €227k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€645k€640k▼
Fixed assets21/28€240k€232k▼
Tangible fixed assets22/27€234k€226k▼
Plant, machinery and equipment23€35k€31k▼
Furniture and vehicles24€23k€33k▲
Other tangible fixed assets26€176k€162k▼
Financial fixed assets28€6k€6k=
Current assets29/58€405k€408k▲
Stocks and contracts in progress3€259k€256k▼
Stocks30/36€259k€256k▼
Amounts receivable within one year40/41€42k€35k▼
Trade receivables40€34k€25k▼
Other amounts receivable41€8k€10k▲
Cash at bank and in hand54/58€96k€108k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€645k€640k▼
Equity10/15€128k€132k▲
Contributions10/11€12k€12k=
Reserves13€118k€119k▲
Distributable reserves133€118k€119k▲
Profit (loss) carried forward14€-2k-
Amounts payable17/49€517k€509k▼
Amounts payable after more than one year17€249k€213k▼
Financial debts170/4€249k€213k▼
Amounts payable within one year42/48€267k€295k▲
Current portion of amounts payable after more than one year42€68k€74k▲
Trade debts44€119k€116k▼
Suppliers440/4€119k€116k▼
Advances received on contracts in progress46€34k€47k▲
Taxes, remuneration and social security45€41k€50k▲
Taxes450/3€13k€22k▲
Remuneration and social security454/9€28k€29k▲
Other amounts payable47/48€4k€8k▲
Accrued charges and deferred income492/3€2k€388▼
Income statement
Code20242025
Remuneration, social security and pensions62€227k€228k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€42k▲
Other operating charges640/8€24k€20k▼
Gross operating margin9900€309k€305k▼
Operating profit (loss)9901€18k€15k▼
Financial income75/76B€916€556▼
Recurring financial income75€916€556▼
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€8k€5k▼
Income taxes67/77€318€1k▲
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€2k▲
Profit (loss) brought forward from the previous period14P€-10k€-2k▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
Social balance
Average headcount (FTE)90875.55.5=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 44 days late
2023
31-12
Financial
Weakest financial yearnet €-19k ▼296%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €57k ▲20.2%
Operating result €88k, net result €57k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲38.6%
4 profitable years in a row build equity to €205k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bastogne · 1 establishment unit since 2007
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.
Rue de Wiltz 76B6600 BastogneGround area
2,358 m²
Building footprint
1,549 m²
Volume, LiDAR
8,022 m³
Parcel 82302C0864/00P002, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INSIDE MARKET
since 20072.163.216.301
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82302C0864/00P002 | Wallonia | 2,358 m² | 1 · 1,549 m² | 6.6 m · 2 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.
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Of 230 companies in sector 46833 we hold annual accounts for 143. 102 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2007
Fiscal year end31-12
Activities, NACEBEL
46833Wholesale trade
47530Retail trade
65231
43332Laying of wooden floor and wall coverings
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesWebsite:www.insidemarket.be
E-mail:info@insidemarket.be
Phone:061/21.47.77
Fax:061.21.12.57
Phone:0496/625917