Sera Decor Interior
ActiveSummary
Sera Decor Interior has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,350 and a net result of €5,209. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▲+38
Solvency69▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.59 in 2024; short-term debt: 56.3% and cash: 13.4% of total assets), but 56.3% of the assets are financed with debt.
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Signals
Three 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
43.7%
Return on assets
8%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
21 d late
2023
48 d early
2022
59 d early
2021
58 d early
2020
8 d early
2019
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 29 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 14 June (4 of the last 5 filed years within 47 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€28,350▲ 22.5%
2024 · €23,141
Total assets
€64,852▲ 5.3%
2024 · €61,586
Net result
€5,209
2024 · -€525
Working capital
€27,971▲ 24.1%
2024 · €22,537
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,576▲ 61.2%-€625€12,130€2,325▼ 80.8%€9,429▲ 306%
Net result€5,606within the sector's middle half▲ 60.0%-€2,270within the sector's middle half€7,878within the sector's middle half-€525within the sector's middle half€5,209within the sector's middle half
Equity€18,058within the sector's middle half▲ 36.3%€15,788within the sector's middle half▼ 12.6%€23,666within the sector's middle half▲ 49.9%€23,141within the sector's middle half▼ 2.2%€28,350within the sector's middle half▲ 22.5%
Total assets€76,829within the sector's middle half▲ 36.8%€80,639within the sector's middle half▲ 5.0%€58,203within the sector's middle half▼ 27.8%€61,586within the sector's middle half▲ 5.8%€64,852within the sector's middle half▲ 5.3%
Debt€58,771▲ 37.0%€64,852▲ 10.3%€34,537▼ 46.7%€38,445▲ 11.3%€36,502▼ 5.1%
Working capital€11,136within the sector's middle half▲ 769%€15,698within the sector's middle half▲ 41.0%€23,666within the sector's middle half▲ 50.8%€22,537within the sector's middle half▼ 4.8%€27,971within the sector's middle half▲ 24.1%
Solvency23.5%within the sector's middle half▼ 0.1pp19.6%within the sector's middle half▼ 3.9pp40.7%within the sector's middle half▲ 21.1pp37.6%within the sector's middle half▼ 3.1pp43.7%within the sector's middle half▲ 6.1pp
Current ratio1.19within the sector's middle half▲ 0.161.24within the sector's middle half▲ 0.051.69within the sector's middle half▲ 0.441.59within the sector's middle half▼ 0.101.77within the sector's middle half▲ 0.18
Return on assets (ROA)7.3%within the sector's middle half▲ 1.1pp-2.8%within the sector's middle half▼ 10.1pp13.5%above the sector's middle half▲ 16.4pp-0.9%within the sector's middle half▼ 14.4pp8.0%within the sector's middle half▲ 8.9pp
Staff (FTE)1▲ 66.7%1=1=0.8▼ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 306% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64,852
Fixed assets
€379 ▼ 37.3%
Current assets
€64,474 ▲ 5.7%
Equity and liabilities €64,852
Equity
€28,350 ▲ 22.5%
Debt
€36,502 ▼ 5.1%
Debt's share of the balance-sheet total falls from 62.4% to 56.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9,655▲
2024 · €2,397
Cash flow
€5,434▲
2024 · -€452
Quick ratio
1.41▲
2024 · 1.14
Debt to equity
1.29▼
2024 · 1.66
ROE
18.4%▲
2024 · -2.3%
Interest coverage
4.84▲
2024 · 1.55
Debt ≤ 1 year
€36,502▼
2024 · €38,445
Income taxes
€2,226▲
2024 · €1,303
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €29,215 | €37,064 | €40,262 | €28,517 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,049 | €2,239 | €89 | €73 | €226 | ▲ 210% |
| Other operating charges640/8 | €2,027 | €1,903 | €766 | €3,683 | €1,512 | ▼ 58.9% |
| Non-recurring operating charges66A | - | €875 | - | - | - | - |
| Gross operating margin9900 | €43,867 | €41,456 | €53,247 | €34,597 | €11,167 | ▼ 67.7% |
| Operating profit (loss)9901 | €7,576 | -€625 | €12,130 | €2,325 | €9,429 | ▲ 306% |
| Financial income75/76B | €36 | €0 | €12 | €1 | €0 | ▼ 60.4% |
| Recurring financial income75 | €36 | €0 | €12 | €1 | €0 | ▼ 60.4% |
| Financial charges65/66B | €885 | €1,387 | €2,107 | €1,546 | €1,995 | ▲ 29.0% |
| Recurring financial charges65 | €885 | €1,387 | €2,107 | €1,546 | €1,995 | ▲ 29.0% |
| Profit (loss) for the period before taxes9903 | €6,727 | -€2,012 | €10,034 | €779 | €7,435 | ▲ 855% |
| Income taxes67/77 | €1,122 | €258 | €2,156 | €1,303 | €2,226 | ▲ 70.8% |
| Profit (loss) for the period9904 | €5,606 | -€2,270 | €7,878 | -€525 | €5,209 | ▲ 1,093% |
| Profit (loss) for the period to be appropriated9905 | €5,606 | -€2,270 | €7,878 | -€525 | €5,209 | ▲ 1,093% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €76,829 | €80,639 | €58,203 | €61,586 | €64,852 | ▲ 5.3% |
| Fixed assets21/28 | €6,922 | €89 | - | €604 | €379 | ▼ 37.3% |
| Intangible fixed assets21 | €1,283 | - | - | - | - | - |
| Tangible fixed assets22/27 | €5,638 | €89 | - | €604 | €379 | ▼ 37.3% |
| Plant, machinery and equipment23 | €1,045 | €89 | - | €604 | €379 | ▼ 37.3% |
| Furniture and vehicles24 | €4,594 | - | - | - | - | - |
| Current assets29/58 | €69,907 | €80,550 | €58,203 | €60,982 | €64,474 | ▲ 5.7% |
| Stocks and contracts in progress3 | €22,800 | €20,310 | €19,607 | €17,102 | €13,065 | ▼ 23.6% |
| Stocks30/36 | €22,800 | €20,310 | €19,607 | €17,102 | €13,065 | ▼ 23.6% |
| Amounts receivable within one year40/41 | €33,979 | €46,051 | €24,488 | €33,660 | €41,539 | ▲ 23.4% |
| Trade receivables40 | €10,461 | €9,636 | €8,874 | €22,774 | €9,380 | ▼ 58.8% |
| Other amounts receivable41 | €23,518 | €36,414 | €15,614 | €10,886 | €32,160 | ▲ 195% |
| Cash at bank and in hand54/58 | €11,140 | €13,042 | €12,447 | €9,123 | €8,716 | ▼ 4.5% |
| Deferred charges and accrued income490/1 | €1,988 | €1,147 | €1,661 | €1,097 | €1,154 | ▲ 5.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €76,829 | €80,639 | €58,203 | €61,586 | €64,852 | ▲ 5.3% |
| Equity10/15 | €18,058 | €15,788 | €23,666 | €23,141 | €28,350 | ▲ 22.5% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €4,891 | €4,891 | €4,891 | €4,891 | €4,891 | = |
| Non-distributable reserves130/1 | €86 | €86 | €86 | €86 | €86 | = |
| Reserves not available under the articles1311 | €86 | €86 | €86 | €86 | €86 | = |
| Distributable reserves133 | €4,805 | €4,805 | €4,805 | €4,805 | €4,805 | = |
| Profit (loss) carried forward14 | €767 | -€1,504 | €6,375 | €5,850 | €11,059 | ▲ 89.0% |
| Amounts payable17/49 | €58,771 | €64,852 | €34,537 | €38,445 | €36,502 | ▼ 5.1% |
| Amounts payable within one year42/48 | €58,771 | €64,852 | €34,537 | €38,445 | €36,502 | ▼ 5.1% |
| Financial debts43 | €9,999 | €7,454 | €2,421 | €8,609 | €7,931 | ▼ 7.9% |
| Credit institutions430/8 | €9,999 | €7,454 | €2,421 | €8,609 | €7,931 | ▼ 7.9% |
| Trade debts44 | €32,560 | €29,620 | €8,195 | €19,821 | €20,557 | ▲ 3.7% |
| Suppliers440/4 | €32,560 | €29,620 | €8,195 | €19,821 | €20,557 | ▲ 3.7% |
| Taxes, remuneration and social security45 | €15,412 | €27,777 | €23,921 | €10,015 | €8,014 | ▼ 20.0% |
| Taxes450/3 | €7,413 | €11,089 | €9,438 | €8,640 | €8,014 | ▼ 7.2% |
| Remuneration and social security454/9 | €7,999 | €16,688 | €14,482 | €1,375 | - | - |
| Other amounts payable47/48 | €800 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,606 | -€2,270 | €7,878 | -€525 | €5,209 | ▲ 1,093% |
| + Depreciation and write-downs630 | €5,049 | €2,239 | €89 | €73 | €226 | ▲ 210% |
| Operating cash flow (approximation) | €10,654 | -€32 | €7,968 | -€452 | €5,434 | ▲ 1,302% |
| Investment in fixed assets (approximation) | - | €4,594 | - | - | €0 | - |
| Change in cash | - | €1,902 | -€595 | -€3,324 | -€408 | ▲ 87.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Registered-office move, Edward Caertsstraat 14, 2180 Antwerpen
- Board meeting, 20-07-2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5,209
Net result €5,209 after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7,878
Net result €7,878 after one loss-making year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€2,270
Net result drops to -€2,270, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3,504
Net result €3,504 after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 1 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2017
Ground area
363 m²
Building footprint
215 m²
Parcel 11364F0010/00H003, Flanders. Linked by address, not a title deed.
1 establishment unit
Sera Decor Interior
since 20172.270.958.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11364F0010/00H003 | Flanders | 363 m² | 1 · 215 m² | - |
Linked by address, not proof of ownership
Good to know
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 531 companies in this sector we hold annual accounts for 323. 211 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded21-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47530Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0686720111
Also
9925:BE0686720111
Registered
26-06-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.