Financials
- Fiscal year
- 2025
- Total assets
- €88,782
- Profit
- €795
- Solvency
- -25.9%
Total assets▼ 3.4%
Net result
20192025
VF-DECOR
ActiveSummary
VF-DECOR has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. 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 computed 12-month bankruptcy probability is 1.0% (low).
Overview
Activity
Wallpapering and laying of floor and wall coverings in other materials
NACE 43333Painting of buildings NACE 43341NACE 45433
1 site
Size
€88,782total assets 2025
- Staff
- 1 FTE
- Equity
- -€22,956
- Profit
- €795
Turnover not published (abridged schema)
Structure
Accounts 30 d early0 of 29 deeds read
Why 53Capped at 59: negative equity- Higher-failure-rate sector- Annual accounts: weaker financial profile+ Long track recordShow the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Provisional estimate
Better than 16% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
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
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
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.
Provisional estimate: the current bankruptcy probability was not available, so Checked used its built-in model (v2).
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.
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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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
-25.9%
Return on assets
0.9%
Age of the figures
12 mo
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
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