Financials
- Fiscal year
- 2024
- Total assets
- €270,835
- Profit
- €124
- Solvency
- -26.1%
Total assets▼ 1.0%
Net result
20232024
MY DECO
ActiveSummary
The computed 12-month bankruptcy probability of MY DECO is 5.6% (elevated). The 2024 annual accounts show negative equity (-€70,636) and a net result of €124. Its solvency ranks better than 15% of 26034 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521Other retail sale of new goods NACE 47789
1 site
Size
€270,835total assets 2024
- Equity
- -€70,636
- Profit
- €124
Turnover not published (abridged schema)
Structure
Accounts 64 d overdue0 of 2 deeds read
Why 35- 1 financial year not filed after the legal deadline; latest accounts 90 days late; 1 of the last 3 late- Figures for FY 2024 (filed 06-11-2025)- Founded in 2022+ Size: total assets €270,835Show the evidence
Checked score
Score 2024
35
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 24% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
0=
equity -26.1% of total assets
Liquidity
3=
short-term debt 126.1% · cash 2.4%
Profitability
61+61
return on assets 0.0%
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.3%
12-2024: 3.3%● 0.0% vs 11-2024
01-2025: 3.3%▼ -1.4% vs 12-2024
02-2025: 3.3%● 0.0% vs 01-2025
03-2025: 3.2%▼ -3.2% vs 02-2025
04-2025: 3.2%● 0.0% vs 03-2025
05-2025: 3.2%● +0.0% vs 04-2025
06-2025: 3.0%▼ -6.2% vs 05-2025
07-2025: 2.8%▼ -4.2% vs 06-2025lowest value
08-2025: 3.7%▲ +30.8% vs 07-2025
09-2025: 4.0%▲ +7.6% vs 08-2025
10-2025: 5.3%▲ +34.0% vs 09-2025
11-2025: 5.4%▲ +1.8% vs 10-2025
12-2025: 4.4%▼ -19.5% vs 11-2025
01-2026: 4.3%▼ -0.8% vs 12-2025
02-2026: 4.3%● 0.0% vs 01-2026
03-2026: 4.3%▼ -1.8% vs 02-2026
04-2026: 4.3%▲ +0.2% vs 03-2026
05-2026: 4.3%▼ -0.3% vs 04-2026
06-2026: 4.2%▼ -1.8% vs 05-2026
07-2026: 3.9%▼ -7.0% vs 06-2026
08-2026: 4.5%▲ +16.1% vs 07-2026
09-2026: 4.7%▲ +4.3% vs 08-2026
10-2026: 5.6%▲ +19.8% vs 09-2026highest value
- 1 financial year not filed after the legal deadline; latest accounts 90 days late; 1 of the last 3 late raises the probability
- Figures for FY 2024 (filed 06-11-2025) raises the probability
- Founded in 2022 raises the probability for this profile
- Size: total assets €270,835 lowers the probability for this profile
No credit on open account
Liquidity short (current ratio 0.73 against 0.73 in 2023; short-term debt: 126.1% and cash: 2.4% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 6%, liquidity 5%, profitability 43%, growth against the median 39%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 26034 sector peers (2024).
NBB · sector comparisonPosition among 26034 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
48 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 21 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Back to profitnet €124
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 3
- Since
- 2024
- 29-10-2025Annual accounts filed
- 31-12-2024Back to profit
- 13-06-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of hardware, building materials, paint and…NACE 47521
- Founded
- 21-10-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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