Financials
- Fiscal year
- 2025
- Total assets
- €39,302
- Profit
- €8,174
- Solvency
- 28.4%
SJOERD DECOR
ActiveSummary
SJOERD DECOR has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,174 and a net result of €8,174. Its solvency ranks better than 30% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Overview
Activity
Painting of buildings
NACE 43341
1 site
Size
€39,302total assets 2025
- Equity
- €11,174
- Profit
- €8,174
Turnover not published (abridged schema)
Structure
Accounts 31 d early0 of 1 deed read
Why 64- Founded in 2025- Size: total assets €39,302+ Liquidity: current ratio 1.05, cash €5,872+ Figures for FY 2025 (filed 30-06-2026)Show the evidence
Checked score
Score 2025
64
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 57% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
53
equity 28.4% of total assets
Liquidity
62
short-term debt 21.4% · cash 14.9%
Profitability
95
return on assets 20.8%
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 1.9%
06-2026: 1.9%▲ +2.7% vs 05-2026
07-2026: 2.3%▲ +19.0% vs 06-2026
08-2026: 2.4%▲ +5.2% vs 07-2026
09-2026: 2.7%▲ +12.0% vs 08-2026highest value
10-2026: 1.5%▼ -44.7% vs 09-2026lowest value
- Founded in 2025 raises the probability for this profile
- Size: total assets €39,302 raises the probability for this profile
- Liquidity: current ratio 1.05, cash €5,872 lowers the probability
- Figures for FY 2025 (filed 30-06-2026) lowers the probability
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.05; short-term debt: 21.4% and cash: 14.9% of total assets), and 71.6% of the assets are financed with debt.
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 43, micro). Better than this share of them on solvency 30%, liquidity 59%, profitability 81%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 30-06-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Painting of buildingsNACE 43341
- Founded
- 02-04-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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 trust this company with building work?Contractor check 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
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.