PROESMAN DECORATION
ActivePROESMAN DECORATION has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €109k and a net result of €1k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 37% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▼-3
Solvency60▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.03 in 2023; short-term debt: 57.6% and cash: 4.3% of total assets), and 65.1% 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
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
34.9%
Return on assets
0.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
5 d late
2022
41 d early
2021
1 d late
2020
37 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€953k
EBIT margin
3.1%
Net result
€1k▼ 87.5%
2023 · €10k
2018: €10k
2019: €3k
2020: €29k
2021: €-1k
2022: €-9k
2023: €10k
2018 → 2024
Working capital
€15k▲ 122%
2023 · €7k
2018: €-8k
2019: €-13k
2020: €-2k
2021: €-16k
2022: €-16k
2023: €7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€953k-
Equity€110k-€112k▲ 1.9%€101k▼ 9.7%€109k▲ 8.1%€109k▼ 0.5%
Operating result€29k-€2k▼ 94.8%€-5k€13k€6k▼ 50.0%
Net result€29k-€-1k€-9k▼ 590%€10k€1k▼ 87.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 50% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €312k
Fixed assets
€117k▼ 25.3%
Current assets
€195k▼ 30.3%
Equity and liabilities €312k
Equity
€109k▼ 0.5%
Debt
€203k▼ 37.9%
The debt ratio falls from 75.0% to 65.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€51k▼
2023 · €71k
Cash flow
€46k▼
2023 · €69k
Solvency
34.9%▲
2023 · 25.0%
Current ratio
1.09▲
2023 · 1.03
Quick ratio
0.87▼
2023 · 0.89
Debt / equity
1.87▼
2023 · 2.99
ROE
1.1%▼
2023 · 9.1%
ROA
0.4%▼
2023 · 2.3%
Interest coverage
7.63▼
2023 · 8.49
Debt
€203k▼
2023 · €327k
Debt ≤ 1 year
€180k▼
2023 · €273k
Debt > 1 year
€16k▼
2023 · €46k
Income taxes
€157▼
2023 · €166
Staff costs
€664k▲
2023 · €579k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€436k€312k▼
Fixed assets21/28€157k€117k▼
Tangible fixed assets22/27€157k€117k▼
Land and buildings22€49k€45k▼
Plant, machinery and equipment23€51k€34k▼
Furniture and vehicles24€57k€38k▼
Financial fixed assets28€124€124=
Current assets29/58€280k€195k▼
Stocks and contracts in progress3€37k€39k▲
Stocks30/36€37k€39k▲
Amounts receivable within one year40/41€224k€129k▼
Trade receivables40€205k€110k▼
Other amounts receivable41€19k€19k▲
Cash at bank and in hand54/58€5k€14k▲
Deferred charges and accrued income490/1€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€436k€312k▼
Equity10/15€109k€109k▼
Contributions10/11€25k€25k=
Reserves13€54k€54k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€25k€27k▲
Investment grants15€5k€3k▼
Amounts payable17/49€327k€203k▼
Amounts payable after more than one year17€46k€16k▼
Financial debts170/4€46k€16k▼
Amounts payable within one year42/48€273k€180k▼
Current portion of amounts payable after more than one year42€42k€30k▼
Financial debts43€94k€52k▼
Credit institutions430/8€94k€52k▼
Trade debts44€98k€95k▼
Suppliers440/4€98k€95k▼
Taxes, remuneration and social security45€38k€822▼
Taxes450/3€250€300▲
Remuneration and social security454/9€38k€522▼
Other amounts payable47/48€0€1k▲
Accrued charges and deferred income492/3€8k€8k▼
Income statement
Code20232024
Remuneration, social security and pensions62€579k€664k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€45k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€656k€720k▲
Operating profit (loss)9901€13k€6k▼
Financial income75/76B€6k€2k▼
Recurring financial income75€2k€2k▲
Non-recurring financial income76B€4k-
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€10k€1k▼
Income taxes67/77€166€157▼
Profit (loss) for the period9904€10k€1k▼
Profit (loss) for the period to be appropriated9905€10k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€27k▲
Profit (loss) brought forward from the previous period14P€16k€25k▲
Social balance
Average headcount (FTE)908710.9-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €29k ▲762%
Operating result €29k, net result €29k, both a record.
31-12
Financial
Equity above €100kEq €110k ▲33%
3 profitable years in a row build equity to €110k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Verviers · 2 establishment units since 2004
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 Georges Albert 48A4800 VerviersGround area
1,730 m²
Building footprint
280 m²
Volume, LiDAR
1,873 m³
3 parcels, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SRL PROESMAN DÉCORATION
since 20042.139.697.462
SRL PROESMAN DÉCORATION
since 20062.214.532.764
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576D0018/00D006 | Wallonia | 1,401 m² | 1 · 140 m² | 8.2 m · 2 fl. |
| 63572C0110/00D002 | Wallonia | 279 m² | 1 · 140 m² | 8.5 m · 2 fl. |
| 63576E0562/00N006indicative | Wallonia | 49 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
9 categoriesPROESMAN DECORATION SRL32410
Similar companies · same sector, comparable size
CERGOLUX
BE 0460.068.228
Dentergem · Eq €109k
FREMOZIA
BE 0833.765.280
Herent · Eq €109k
KR INTERIEURPROJECTEN
BE 0819.046.323
Kapellen · Eq €108k
SCHRIJNWERKERIJ CRAUWELS
BE 0862.197.564
Lint · Eq €110k
HOUTCREATIES VANTOMME
BE 0598.875.723
Kortrijk · Eq €111k
Of 746 companies in sector 43332 we hold annual accounts for 411. 354 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2004
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
45432
45433
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0496/695930
Fax:087/220545