VAN DE VELDE DECO
ActiveVAN DE VELDE DECO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €8k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+17
Solvency52▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.89 in 2024; short-term debt: 12.5% and cash: 6.2% of total assets), but 72.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
27.2%
Return on assets
2.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
20 d late
2024
2 d early
2023
on the day
2022
on the day
2021
on the day
2020
40 d early
2019
56 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 10.4%
2024 · €75k
2018: €56k
2019: €58k
2020: €80k
2021: €87k
2022: €94k
2023: €99k
2024: €75k
2018 → 2025
Total assets
€306k▲ 1.3%
2024 · €301k
2018: €135k
2019: €113k
2020: €110k
2021: €110k
2022: €295k
2023: €332k
2024: €301k
2018 → 2025
Net result
€8k
2024 · €-11k
2018: €7k
2019: €4k
2020: €23k
2021: €9k
2022: €9k
2023: €4k
2024: €-11k
2018 → 2025
Working capital
€37k▲ 1.0%
2024 · €36k
2018: €19k
2019: €31k
2020: €53k
2021: €65k
2022: €47k
2023: €24k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€94k▲ 8.7%€99k▲ 4.5%€75k▼ 23.7%€83k▲ 10.4%
Operating result€13k-€16k▲ 22.1%€10k▼ 36.3%€-7k€13k
Net result€9k-€9k▲ 3.7%€4k▼ 53.3%€-11k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€230k▲ 2.8%
Current assets
€75k▼ 3.0%
Equity and liabilities €306k
Equity
€83k▲ 10.4%
Debt
€222k▼ 1.7%
The debt ratio falls from 75.1% to 72.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▲
2024 · €23k
Cash flow
€41k▲
2024 · €18k
Solvency
27.2%▲
2024 · 24.9%
Current ratio
1.96▲
2024 · 1.89
Quick ratio
1.51▲
2024 · 1.35
Debt / equity
2.68▼
2024 · 3.01
ROE
9.4%▲
2024 · -15.2%
ROA
2.6%▲
2024 · -3.8%
Interest coverage
9.63▲
2024 · 4.91
Debt
€222k▼
2024 · €226k
Debt ≤ 1 year
€38k▼
2024 · €41k
Debt > 1 year
€183k▼
2024 · €184k
Income taxes
€589▲
2024 · €230
Staff costs
€68k▲
2024 · €64k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€301k€306k▲
Fixed assets21/28€224k€230k▲
Intangible fixed assets21€11k€7k▼
Tangible fixed assets22/27€213k€223k▲
Land and buildings22€155k€151k▼
Plant, machinery and equipment23€237€881▲
Furniture and vehicles24€57k€71k▲
Current assets29/58€77k€75k▼
Stocks and contracts in progress3€22k€17k▼
Stocks30/36€22k€17k▼
Amounts receivable within one year40/41€44k€36k▼
Trade receivables40€39k€30k▼
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€10k€19k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€301k€306k▲
Equity10/15€75k€83k▲
Contributions10/11€31k€31k=
Reserves13€55k€55k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€-11k€-4k▲
Amounts payable17/49€226k€222k▼
Amounts payable after more than one year17€184k€183k▼
Financial debts170/4€184k€183k▼
Amounts payable within one year42/48€41k€38k▼
Current portion of amounts payable after more than one year42€17k€22k▲
Trade debts44€17k€13k▼
Suppliers440/4€17k€13k▼
Taxes, remuneration and social security45€241€3k▲
Taxes450/3€241€3k▲
Other amounts payable47/48€7k€296▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Remuneration, social security and pensions62€64k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€34k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€440€0▼
Gross operating margin9900€90k€117k▲
Operating profit (loss)9901€-7k€13k▲
Financial income75/76B€10€4▼
Recurring financial income75€10€4▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-11k€8k▲
Income taxes67/77€230€589▲
Profit (loss) for the period9904€-11k€8k▲
Profit (loss) for the period to be appropriated9905€-11k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-4k▲
Profit (loss) brought forward from the previous period14P-€-11k
Transfer from equity791/2€12k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€12k€0▼
Return on contributions (dividend)694€12k€0▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-11k ▼368%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €23k ▲488%
Operating result €31k, net result €23k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zele · 1 establishment unit since 2016
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.
Lokerenbaan 2519240 ZeleGround area
392 m²
Building footprint
106 m²
Volume, LiDAR
565 m³
Parcel 42403E0199/00Z000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN DE VELDE DECO
since 20162.251.624.574
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42403E0199/00Z000 | Flanders | 392 m² | 1 · 106 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DANI DECO
BE 0797.961.392
Namur · Eq €83k
WOONINRICHTING TAPIGRO
BE 0414.303.727
Oudenaarde · Eq €83k
K.H. SERVICES
BE 0463.205.385
Beringen · Eq €83k
DESSANO
BE 0893.884.791
Zoersel · Eq €82k
ABER PARQUET
BE 0824.582.944
Schaarbeek · Eq €84k
Of 914 companies in sector 43333 we hold annual accounts for 400. 330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2016
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
47526Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.