BC DECOR
ActiveBC DECOR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €11k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+5
Solvency88▼-7
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.85 against 1.8 in 2024; short-term debt: 14.9% and cash: 54.5% of total assets), and 37.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
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
62.7%
Return on assets
14.9%
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
57 d early
2023
13 d late
2022
3 d early
2021
53 d early
2020
61 d late
2019
98 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 31.1%
2024 · €35k
2018: €37k
2019: €41k
2020: €27k
2021: €32k
2022: €45k
2023: €43k
2024: €35k
2018 → 2025
Total assets
€72k▲ 47.4%
2024 · €49k
2018: €73k
2019: €73k
2020: €48k
2021: €114k
2022: €101k
2023: €73k
2024: €49k
2018 → 2025
Net result
€11k▲ 99.6%
2024 · €5k
2018: €25k
2019: €14k
2020: €-14k
2021: €16k
2022: €23k
2023: €-2k
2024: €5k
2018 → 2025
Working capital
€31k▲ 166%
2024 · €12k
2018: €19k
2019: €31k
2020: €23k
2021: €6k
2022: €10k
2023: €9k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€45k▲ 41.0%€43k▼ 3.5%€35k▼ 20.4%€45k▲ 31.1%
Operating result€22k-€33k▲ 49.2%€2k▼ 93.3%€12k▲ 428%€20k▲ 64.6%
Net result€16k-€23k▲ 41.9%€-2k€5k€11k▲ 99.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 65% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€31k▲ 34.0%
Current assets
€41k▲ 59.3%
Equity and liabilities €72k
Equity
€45k▲ 31.1%
Debt
€27k▲ 86.5%
The debt ratio rises from 29.5% to 37.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €30k
Cash flow
€28k▲
2024 · €24k
Solvency
62.7%▼
2024 · 70.5%
Current ratio
3.85▲
2024 · 1.80
Quick ratio
3.85▲
2024 · 1.80
Debt / equity
0.60▲
2024 · 0.42
ROE
23.7%▲
2024 · 15.6%
ROA
14.9%▲
2024 · 11.0%
Interest coverage
27.87▼
2024 · 67.12
Debt
€27k▲
2024 · €14k
Debt ≤ 1 year
€11k▼
2024 · €14k
Debt > 1 year
€16k
Income taxes
€7k▲
2024 · €6k
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€49k€72k▲
Fixed assets21/28€23k€31k▲
Tangible fixed assets22/27€23k€31k▲
Furniture and vehicles24€22k€30k▲
Other tangible fixed assets26€1k€508▼
Financial fixed assets28€75€75=
Current assets29/58€26k€41k▲
Amounts receivable within one year40/41€2k€899▼
Trade receivables40€278-
Other amounts receivable41€1k€899▼
Cash at bank and in hand54/58€24k€39k▲
Deferred charges and accrued income490/1€550€1k▲
Equity and liabilities
Total equity and liabilities10/49€49k€72k▲
Equity10/15€35k€45k▲
Reserves13€5k€16k▲
Distributable reserves133€5k€16k▲
Profit (loss) carried forward14€29k€29k▲
Amounts payable17/49€14k€27k▲
Amounts payable after more than one year17-€16k
Financial debts170/4-€16k
Amounts payable within one year42/48€14k€11k▼
Current portion of amounts payable after more than one year42€7k€7k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€32k€39k▲
Operating profit (loss)9901€12k€20k▲
Financial charges65/66B€454€1k▲
Recurring financial charges65€454€1k▲
Profit (loss) for the period before taxes9903€11k€18k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€5k€11k▲
Profit (loss) for the period to be appropriated9905€5k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€40k▲
Profit (loss) brought forward from the previous period14P€29k€29k▲
Transfer to equity691/2€5k€11k▲
To other reserves6921€5k€11k▲
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.85
Current ratio from 1.80 to 3.85; short-term debt falls from €14k to €11k.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-14k ▼198%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
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, Ramillies · 1 establishment unit since 2006
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.
Rue d'Albroux 28A1367 RamilliesGround area
1,800 m²
Building footprint
86 m²
Volume, LiDAR
536 m³
Parcel 25036B0605/00C000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BC DECOR
since 20062.155.832.522
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25036B0605/00C000 | Wallonia | 1,800 m² | 1 · 86 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesBC DECOR SRL38207
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Of 746 companies in sector 43332 we hold annual accounts for 411. 330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2006
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
45432
43310Plastering work
43320Joinery installation
43333Wallpapering and laying of floor and wall coverings in other materials
43990Other specialised construction activities
43999Specialised construction activities
45250
45421
45433
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.