DECOREM
ActiveSummary
The computed 12-month bankruptcy probability of DECOREM is 1.5% (moderate). The 2025 annual accounts show equity of €85k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 94% of 27786 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+50
Solvency100=
Growth24▼-14
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 10.09 against 6.23 in 2024; short-term debt: 9.4% and cash: 50% of total assets), and 9.4% of the assets are financed with debt.
Credit check 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 · 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
59 d early
2023
58 d early
2022
52 d early
2021
33 d early
2020
50 d early
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€158k▼ 12.6%
2023 · €181k
2018: €254k
2019: €274k
2020: €238k
2021: €231k
2022: €208k
2023: €181k
2018 → 2024
EBIT margin
-2.4%▼ 3.4pp
2023 · 0.9%
2018: 7.6%
2019: 6.4%
2020: 1.8%
2021: 8.6%
2022: 2.6%
2023: 0.9%
2018 → 2024
Net result
€-2k▲ 34.2%
2024 · €-3k
2018: €13k
2019: €13k
2020: €5k
2021: €14k
2022: €3k
2023: €-440
2024: €-3k
2018 → 2025
Working capital
€80k▲ 3.7%
2024 · €77k
2018: €84k
2019: €67k
2020: €72k
2021: €87k
2022: €90k
2023: €76k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€231k-€208k▼ 10.1%€181k▼ 13.1%€158k▼ 12.6%
Equity€87k-€91k▲ 3.7%€90k▼ 0.5%€87k▼ 3.5%€85k▼ 2.4%
Operating result€20k-€5k▼ 72.4%€2k▼ 68.9%€-4k€1k
Net result€14k-€3k▼ 77.6%€-440€-3k▼ 628%€-2k▲ 34.2%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€5k ▼ 55.8%
Current assets
€89k ▼ 3.4%
Equity and liabilities €94k
Equity
€85k ▼ 2.4%
Debt
€9k ▼ 44.1%
Debt's share of the balance-sheet total falls from 15.4% to 9.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €-498
Cash flow
€4k▲
2024 · €96
Current ratio
10.09▲
2024 · 6.23
Debt to equity
0.10▼
2024 · 0.18
ROE
-2.5%▲
2024 · -3.7%
ROA
-2.2%▲
2024 · -3.1%
Interest coverage
13.62▲
2024 · -0.93
Debt ≤ 1 year
€9k▼
2024 · €15k
Income taxes
€3k▲
2024 · €-1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€103k€94k▼
Fixed assets21/28€11k€5k▼
Tangible fixed assets22/27€10k€4k▼
Furniture and vehicles24€10k€4k▼
Financial fixed assets28€744€744=
Current assets29/58€92k€89k▼
Amounts receivable within one year40/41€75k€42k▼
Trade receivables40€62k€34k▼
Other amounts receivable41€13k€8k▼
Cash at bank and in hand54/58€17k€47k▲
Deferred charges and accrued income490/1€85-
Equity and liabilities
Total equity and liabilities10/49€103k€94k▼
Equity10/15€87k€85k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€42k€42k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€27k€25k▼
Amounts payable17/49€16k€9k▼
Amounts payable within one year42/48€15k€9k▼
Trade debts44€922€742▼
Suppliers440/4€922€742▼
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€11k€8k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Turnover70€158k-
Goods, raw materials, services and sundry goods60/61€157k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲
Other operating charges640/8€984€1k▲
Non-recurring operating charges66A-€482
Gross operating margin9900€486€9k▲
Operating profit (loss)9901€-4k€1k▲
Financial charges65/66B€536€522▼
Recurring financial charges65€536€522▼
Profit (loss) for the period before taxes9903€-4k€643▲
Income taxes67/77€-1k€3k▲
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€25k▼
Profit (loss) brought forward from the previous period14P€30k€27k▼
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €14k ▲191%
Operating result €20k, net result €14k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 5current ratio 15.80
Current ratio from 3.19 to 15.80; short-term debt falls from €31k to €5k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Schaarbeek · 1 establishment unit since 2006
Ground area
272 m²
Building footprint
271 m²
Volume, LiDAR
1,353 m³
Parcel 21902A0251/00E003, Brussels · tallest building 12.1 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Dokter Elie Lambottestraat 247, 1030 Schaarbeek
since 20062.151.225.616
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0251/00E003 | Brussels | 272 m² | 1 · 271 m² | 12.1 m · 1 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
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A.N.D.L
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DEMEULENAERE AANNEMINGEN
BE 0502.944.307
Staden · Eq €85,434
LOON-, TUIN - & GRONDWERKEN BOELAERT
BE 0779.539.411
Lochristi · Eq €85,437
HT AANNEMINGEN
BE 0823.701.828
Heusden-Zolder · Eq €85,443
Of 8,454 companies in sector 43120 we hold annual accounts for 3,231. 2,625 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43310Plastering work
43320Joinery installation
43350Other building finishing work
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.