Financials
- Fiscal year
- 2025
- Total assets
- €88,782
- Profit
- €795
- Solvency
- -25.9%
Total assets▼ 3.4%
Net result
20192025
VF-DECOR
ActiveSummary
The computed 12-month bankruptcy probability of VF-DECOR is 2.5% (moderate). The 2025 annual accounts show negative equity (-€22,956) and a net result of €795. Equity is shrinking by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 6% of 30651 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Wallpapering and laying of floor and wall coverings in other materials
NACE 43333Painting of buildings NACE 43341NACE 45433
1 site
How big
€88,782total assets 2025
- Staff
- 1 FTE
- Equity
- -€22,956
- Profit
- €795
Turnover not published (abridged schema)
Who decides
Accounts 30 d early0 of 29 deeds read
Why 50- 1 change of registered office in 24 months- Negative equity -€22,956- Liquidity: current ratio 0.74+ Size: total assets €88,782Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 16% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0=
equity -25.9% of total assets
Liquidity
0=
short-term debt 125.9%
Profitability
34+34
return on assets 0.9%
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.7%
12-2024: 0.7%● 0.0% vs 11-2024
01-2025: 0.7%▲ +6.1% vs 12-2024
02-2025: 0.7%▼ -3.2% vs 01-2025
03-2025: 0.7%▼ -4.3% vs 02-2025lowest value
04-2025: 3.1%▲ +351% vs 03-2025
05-2025: 3.1%● 0.0% vs 04-2025
06-2025: 3.1%● 0.0% vs 05-2025
07-2025: 4.8%▲ +51.7% vs 06-2025
08-2025: 4.8%● 0.0% vs 07-2025
09-2025: 4.8%● 0.0% vs 08-2025
10-2025: 4.8%● 0.0% vs 09-2025
11-2025: 4.8%● 0.0% vs 10-2025
12-2025: 4.6%▼ -3.0% vs 11-2025
01-2026: 4.7%▲ +2.4% vs 12-2025
02-2026: 4.8%▲ +0.7% vs 01-2026
03-2026: 4.6%▼ -2.9% vs 02-2026
04-2026: 4.9%▲ +6.9% vs 03-2026highest value
05-2026: 2.5%▼ -49.5% vs 04-2026
06-2026: 2.5%● 0.0% vs 05-2026
07-2026: 2.5%● 0.0% vs 06-2026
08-2026: 2.5%● 0.0% vs 07-2026
09-2026: 2.5%● 0.0% vs 08-2026
10-2026: 2.5%● 0.0% vs 09-2026
- 1 change of registered office in 24 months raises the probability
- Negative equity -€22,956 raises the probability
- Size: total assets €88,782 lowers the probability for this profile
- Liquidity: current ratio 0.74 raises the probability
No credit on open account
Liquidity short (current ratio 0.74 against 0.72 in 2024; short-term debt: 125.9% 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 43, micro). Better than this share of them on solvency 3%, liquidity 1%, profitability 17%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 6% of 30651 sector peers (2025).
NBB · sector comparisonPosition among 30651 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
20 d early
2022
5 d early
2021
2 d early
2020
on the day
2019
9 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 14 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 11 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €795
- Annual accounts filedfiscal year 2024 · micro…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€22,956 View
- Caution: Among the weakest 5% on equitysector median €58,290 · 30,662 companies -€22,956 View
- Positive: Back in profit in 2025after -€94,949 in 2024 €795 View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 30-04-2027
- 31-03-2026Annual accounts filed
- 30-09-2025Back to profit
- 31-03-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Wallpapering and laying of floor and wall coverings…NACE 43333
- Founded
- 27-08-2004
- Year ends
- 30-09
- 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.