Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Shrinking team NBB
FTE fell two years in a row, from 2 to 1.5.
Financials
Financial year 2025
Deco Diem Finance from Torhout, company number BE0894572404, closed financial year 2025 with a result of € -106,016 after tax. For that financial year Deco Diem Finance recorded a gross margin of € 64,324 and equity of € 1.6 million. Compared with financial year 2024, the result moved from € -89,603 to € -106,016. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on January 29, 2026.
€ 1.6 million
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -106,016
▼ 18 % more loss than in 2024
Profit after tax over the fiscal year.
€ 402,132
▼ 35% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.5 million.
People and assets in 2025
1.5
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 85,503
▼ 4% vs 2024
€ 57,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 9,284
▼ 36% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 132,300
▼ 54% vs 2024
€ 16,200 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 91,592
▲ € 75,246 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 32,091
▲ 113% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 70,119 | € 40,801 | € 69,999 | € 64,324 | ▼ 8% |
| Profit after taxes | € -107,175 | € -137,634 | € -89,603 | € -106,016 | ▼ € 16,412 |
| Equity | € 1,916,446 | € 1,778,812 | € 1,689,209 | € 1,583,193 | ▼ 6% |
| Total debts | € 861,262 | € 685,984 | € 517,902 | € 619,858 | ▲ 20% |
| Cash | € 1,272,355 | € 1,171,194 | € 620,731 | € 402,132 | ▼ 35% |
| Land & buildings | € 557,263 | € 511,304 | € 471,878 | € 431,463 | ▼ 9% |
| Retained profit | € 1,830,446 | € 1,692,812 | € 1,603,209 | € 1,497,193 | ▼ 7% |
| Bank debt | € 681,356 | € 475,500 | € 288,921 | € 132,300 | ▼ 54% |
| Balance sheet total | € 2,777,707 | € 2,464,796 | € 2,207,111 | € 2,203,051 | |
| Employees (FTE) | 2 | 2 | 1.9 | 1.5 | ▼ 0.4 |
Key figures of Deco Diem Finance, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to Deco Diem Finance?
What happened at Deco Diem Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 106,016. Source: NBB ↗
- New establishment in Torhout. KBO
- Start of the company according to the CBE. KBO
In short
From € 107,175 loss in 2022 to € 106,016 loss in 2025.
Paid € 2,842 in corporate taxes since 2022.
On average € 42,900 of value added per employee in 2025.
A new publication or filing at Deco Diem Finance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Deco Diem Finance are Gudrun Cloostermans and Edwig Deschoemaeker. The same people are also behind DECO TECHNIEKEN. Gudrun Cloostermans is also behind DECO VERHUURCENTER.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Oostendestraat 281
8820 Torhout
Oostendestraat 322
8820 Torhout
Active since 12 March 2008
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0894.572.404
- VAT number
- BE 0894.572.404
- Registered office
- Oostendestraat 281, 8820 Torhout
- Names & denominations
- Deco Diem Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 December 2007
- Peppol
- Active · Active since 16 Jul 2025
- Activities · NACE
Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Activiteiten van holdings
Verhuur en lease van andere machines en werktuigen en andere materiële goederen
Holdings