Active BE 0823.058.064Private limited company (pre-2019)

MRJ DECORS

Rue Neuve(WAR) 19/1 ·7740 Pecq, Belgium· 16 yrs active

Sector: Retail trade (47530)

Conclusion Checked

The computed 12-month bankruptcy probability of MRJ DECORS is 2.0% (moderate). The 2022 annual accounts show negative equity (€-39k) and a net result of €8k. Its solvency ranks better than 7% of 721 sector peers (fiscal year 2022). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€-39k
Net result	€8k
Better than sector	7%
Active	16 yrs

Snowflake analysis 5 axes · computed by Checked

57 / 100

Mixed profile: strong on stability, weaker on health.

Health 24

Profitability 42

Solvency 33

Growth 85

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

2.0% Moderate

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Established

Founded in 2010, 16 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2022 · computed

24 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview6 NBB filings

Annual accounts filed on 14-02-2024 with the NBB · fiscal year 2022 · volledig

RevenueOperating resultNet result

Sector comparison

Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	-54.0%	20.4%	better than 7% of 721 sector peers
Net result	€8k	€10k	better than 48% of 718 sector peers
Equity	€-39k	€84k	better than 12% of 722 sector peers
Gross operating margin	€61k	€152k	better than 33% of 636 sector peers
Total assets	€73k	€609k	better than 15% of 722 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€124k

+47.4% 21-22

EBITDA

€18k

- 21-22

Net profit

€8k

- 21-22

Cash flow

€14k

- 21-22

Total assets

€73k

+37.3% 21-22

Equity

€-39k

+16.2% 21-22

Working capital

€-64k

-29.1% 21-22

Income taxes

€3k

- 21-22

Debt

€112k

+12.2% 21-22

Debt ≤ 1y

€112k

+12.2% 21-22

Current ratio

0.43

-14.8% 21-22

Quick ratio

0.12

-15.0% 21-22

Solvency

-54.0%

+39.0% 21-22

Debt / equity

-2.85

-33.9% 21-22

ROE

-19.4%

- 21-22

ROA

10.4%

- 21-22

Net margin

6.1%

- 21-22

EBITDA margin

14.2%

- 21-22

Interest coverage

42.76

- 21-22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Revenue	€124k
EBITDA	€18k
Net profit	€8k
Cash flow	€14k
Staff costs	-
Income taxes	€3k
Dividends	-
Total assets	€73k
Equity	€-39k
Debt	€112k
of which ≤ 1y	€112k
of which > 1y	-
Working capital	€-64k
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	0.43
Quick ratio	0.12
Working capital ratio	-88.0%
Solvency	-54.0%
Debt / equity	-2.85
Long-term debt ratio	-
Interest coverage	42.76
Gross margin	-
Net margin	6.1%
ROA	10.4%
ROE	-19.4%
EBITDA margin	14.2%
Days sales outstanding	33d
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Assets

Fixed assets €25k · 34.1% Current assets €48k · 65.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€73k
Fixed assets	21/28	€25k
Tangible fixed assets	22/27	€25k
Current assets	29/58	€48k
Stocks & contracts in progress	3	€34k
Amounts receivable within one year	40/41	€11k
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€73k
Equity	10/15	€-39k
Contributions / capital	10/11	€6k
Accumulated profits (losses)	14	€-45k
Amounts payable	17/49	€112k
Amounts payable within one year	42/48	€112k
Trade debts payable within one year	44	€9k
Income statement
Turnover	70	€124k
Gross operating margin	9900	€61k
Operating result	9901	€11k
Financial income	75	€876
Financial charges	65	€409
Result before taxes	9903	€10k
Income taxes	67/77	€3k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

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Ratios computed by Checked.

Legal Structure

NACE primary	Retail trade(47530)
Legal form	Private limited company (pre-2019)(015)
Incorporation	10-02-2010
Status	Active
Postal code	7740

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57086B0271/00G000	Wallonia	522 m²	1 · 143 m²	9.2 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024

14-02-2024