KARWEIWERKEN DECKERS BART
ActiveKARWEIWERKEN DECKERS BART has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €109k and a net result of €31k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 541 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+1
Solvency42▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.26 in 2023; short-term debt: 60.1% and cash: 6.4% of total assets), and 83.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 31
Relative position
BE, all sectors
reference
Sector 31
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
2 d early
2022
45 d late
2021
87 d late
2020
61 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€109k▲ 39.2%
2023 · €78k
2018: €38k
2019: €50k
2020: €27k
2021: €24k
2022: €55k
2023: €78k
2018 → 2024
Total assets
€655k▲ 19.3%
2023 · €550k
2018: €257k
2019: €463k
2020: €700k
2021: €563k
2022: €494k
2023: €550k
2018 → 2024
Net result
€31k▲ 30.6%
2023 · €24k
2018: €40k
2019: €12k
2020: €-23k
2021: €-3k
2022: €31k
2023: €24k
2018 → 2024
Working capital
€-248k▲ 3.2%
2023 · €-256k
2018: €-50k
2019: €-45k
2020: €-94k
2021: €-189k
2022: €-208k
2023: €-256k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€27k-€24k▼ 12.1%€55k▲ 128%€78k▲ 42.9%€109k▲ 39.2%
Operating result€-8k-€8k€-9k€44k€45k▲ 1.9%
Net result€-23k-€-3k▲ 85.6%€31k€24k▼ 23.4%€31k▲ 30.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 2% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €655k
Fixed assets
€509k▲ 11.2%
Current assets
€146k▲ 59.8%
Equity and liabilities €655k
Equity
€109k▲ 39.2%
Debt
€547k▲ 16.0%
The debt ratio falls from 85.8% to 83.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€157k▲
2023 · €113k
Cash flow
€143k▲
2023 · €92k
Solvency
16.6%▲
2023 · 14.2%
Current ratio
0.37▲
2023 · 0.26
Quick ratio
0.37▲
2023 · 0.26
Debt / equity
5.02▼
2023 · 6.02
ROE
28.2%▼
2023 · 30.0%
ROA
4.7%▲
2023 · 4.3%
Interest coverage
9.72▼
2023 · 9.95
Debt
€547k▲
2023 · €471k
Debt ≤ 1 year
€394k▲
2023 · €348k
Debt > 1 year
€131k▲
2023 · €107k
Income taxes
€9k▼
2023 · €9k
Staff costs
€166k▲
2023 · €122k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€550k€655k▲
Fixed assets21/28€458k€509k▲
Tangible fixed assets22/27€457k€508k▲
Plant, machinery and equipment23€54k€110k▲
Furniture and vehicles24€380k€388k▲
Leasing and similar rights25€24k€10k▼
Financial fixed assets28€620€820▲
Current assets29/58€92k€146k▲
Amounts receivable within one year40/41€60k€88k▲
Trade receivables40€50k€77k▲
Other amounts receivable41€10k€11k▲
Cash at bank and in hand54/58€9k€42k▲
Deferred charges and accrued income490/1€22k€17k▼
Equity and liabilities
Total equity and liabilities10/49€550k€655k▲
Equity10/15€78k€109k▲
Contributions10/11€19k€19k=
Reserves13€59k€90k▲
Distributable reserves133€59k€90k▲
Profit (loss) carried forward14€284€284=
Amounts payable17/49€471k€547k▲
Amounts payable after more than one year17€107k€131k▲
Financial debts170/4€107k€131k▲
Amounts payable within one year42/48€348k€394k▲
Current portion of amounts payable after more than one year42€103k€82k▼
Financial debts43€19k€27k▲
Credit institutions430/8€19k€27k▲
Trade debts44€13k€40k▲
Suppliers440/4€13k€40k▲
Taxes, remuneration and social security45€44k€76k▲
Taxes450/3€17k€28k▲
Remuneration and social security454/9€27k€48k▲
Other amounts payable47/48€168k€168k▲
Accrued charges and deferred income492/3€17k€22k▲
Income statement
Code20232024
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€122k€166k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€112k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€16k-
Other operating charges640/8€14k€36k▲
Gross operating margin9900€265k€359k▲
Operating profit (loss)9901€44k€45k▲
Financial income75/76B€66€11k▲
Recurring financial income75€66€192▲
Non-recurring financial income76B-€11k
Financial charges65/66B€11k€16k▲
Recurring financial charges65€11k€16k▲
Profit (loss) for the period before taxes9903€33k€40k▲
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€24k€31k▲
Profit (loss) for the period to be appropriated9905€24k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€31k▲
Profit (loss) brought forward from the previous period14P€284€284=
Transfer to equity691/2€24k€31k▲
To the legal reserve6920€24k-
To other reserves6921-€31k
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €109k ▲39.2%
3 profitable years in a row build equity to €109k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-23k ▼284%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 8 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, Heist-op-den-Berg · 1 establishment unit since 2011
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.
Pastoor Mellaertsstraat 65/A2220 Heist-op-den-BergGround area
966 m²
Building footprint
162 m²
Volume, LiDAR
907 m³
Parcel 12322H0106/00D000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Karweiwerken BART DECKERS
since 20112.198.327.232
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322H0106/00D000 | Flanders | 966 m² | 1 · 161 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 521 EUR awarded · 521 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 321 EUR | 321 EUR |
| 2024 | 1 | 44 EUR | 44 EUR |
| 2022 | 1 | 156 EUR | 156 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHeist-op-den-Berg2.198.327.232
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Of 1,499 companies in sector 31004 we hold annual accounts for 620. 465 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2011
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43990Other specialised construction activities
43999Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:karweiwerken.deckers@skynet.be