DECO OP MAAT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DECO OP MAAT is 2.9% (moderate). The 2024 annual accounts show equity of €12k and a net result of €7k. Its solvency ranks better than 28% of 3835 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-12-2025, 151 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	29-12-2025	151 d late	2025-00591496

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.9% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€7k

Working capital€6k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 29-12-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	19.7%	39.4%	better than 28% of 3835 sector peers
Net result	€7k	€9k	better than 44% of 3832 sector peers
Equity	€12k	€29k	better than 29% of 3840 sector peers
Gross operating margin	€26k	€26k	better than 50% of 3830 sector peers
Staff costs	€15k	€16k	higher than 49% of 1129 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€10k
Net profit	€7k
Cash flow	€10k
Staff costs	€15k
Income taxes	-
Dividends	-
Total assets	€61k
Equity	€12k
Debt	€49k
of which ≤ 1y	€49k
of which > 1y	-
Working capital	€6k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.13
Quick ratio	1.13
Working capital ratio	10.1%
Solvency	19.7%
Debt / equity	4.08
Long-term debt ratio	-
Interest coverage	23.05
Gross margin	-
Net margin	-
ROA	11.4%
ROE	58.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €6k · 9.5% Current assets €55k · 90.5%

Equity & liabilities

Equity €12k · 19.7% Debt €49k · 80.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€61k
Fixed assets	21/28	€6k
Tangible fixed assets	22/27	€6k
Current assets	29/58	€55k
Amounts receivable within one year	40/41	€52k
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€61k
Equity	10/15	€12k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€7k
Amounts payable	17/49	€49k
Amounts payable within one year	42/48	€49k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€26k
Operating result	9901	€7k
Financial charges	65	€453
Result before taxes	9903	€7k
Net result for the period	9904	€7k
Result to be appropriated	9905	€7k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

68 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Baron van Ertbornstraat 1062630 Aartselaar

Establishment units

1 location

DECO OP MAAT

Baron van Ertbornstraat 106, 2630 AartselaarReparatie en onderhoud van verwarmingsinstallaties

since 20232.350.167.864

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area270 m²

Buildings1

Building footprint73 m²

Volume (LiDAR)571 m³

Tallest building8.6 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11001B0155/00E002	Flanders	270 m²	1 · 73 m²	8.6 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.