Amandine
ActiveThe computed 12-month bankruptcy probability of Amandine is 2.1% (moderate). The 2025 annual accounts show equity of €39k and a net result of €-2k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 48% of 18120 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+5
Solvency57▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.12 in 2024; short-term debt: 67.9% and cash: 10.3% of total assets), and 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.1%
Return on assets
-1.5%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
21 d early
2024
17 d early
2023
22 d early
2022
17 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 4.4%
2024 · €40k
2022: €20k
2023: €28k
2024: €40k
2022 → 2025
Total assets
€120k▼ 8.0%
2024 · €131k
2022: €120k
2023: €128k
2024: €131k
2022 → 2025
Net result
€-2k
2024 · €13k
2022: €17k
2023: €8k
2024: €13k
2022 → 2025
Working capital
€17k▲ 55.3%
2024 · €11k
2022: €-14k
2023: €-6k
2024: €11k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€28k▲ 40.3%€40k▲ 45.6%€39k▼ 4.4%
Operating result€22k-€12k▼ 44.9%€18k▲ 48.3%€-120
Net result€17k-€8k▼ 52.5%€13k▲ 59.0%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €120 after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€21k▼ 30.0%
Current assets
€99k▼ 1.3%
Equity and liabilities €120k
Equity
€39k▼ 4.4%
Debt
€82k▼ 9.7%
The debt ratio falls from 69.1% to 67.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €28k
Cash flow
€8k▼
2024 · €22k
Solvency
32.1%▲
2024 · 30.9%
Current ratio
1.21▲
2024 · 1.12
Quick ratio
0.27▼
2024 · 0.35
Debt / equity
2.11▼
2024 · 2.24
ROE
-4.6%▼
2024 · 31.3%
ROA
-1.5%▼
2024 · 9.7%
Interest coverage
9.37▲
2024 · -44.19
Debt
€82k▼
2024 · €90k
Debt ≤ 1 year
€82k▼
2024 · €89k
Income taxes
€2k▼
2024 · €8k
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€131k€120k▼
Fixed assets21/28€30k€21k▼
Tangible fixed assets22/27€30k€21k▼
Land and buildings22€10k€9k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€17k€11k▼
Current assets29/58€100k€99k▼
Stocks and contracts in progress3€69k€77k▲
Stocks30/36€69k€77k▲
Amounts receivable within one year40/41€8k€9k▲
Trade receivables40€7k€6k▼
Other amounts receivable41€962€3k▲
Cash at bank and in hand54/58€23k€12k▼
Equity and liabilities
Total equity and liabilities10/49€131k€120k▼
Equity10/15€40k€39k▼
Contributions10/11€3k€3k=
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14-€-2k
Amounts payable17/49€90k€82k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€89k€82k▼
Current portion of amounts payable after more than one year42€5k€1k▼
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9-€282
Other amounts payable47/48€68k€66k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€30k€12k▼
Operating profit (loss)9901€18k€-120▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€-627€1k▲
Recurring financial charges65€-627€1k▲
Profit (loss) for the period before taxes9903€21k€150▼
Income taxes67/77€8k€2k▼
Profit (loss) for the period9904€13k€-2k▼
Profit (loss) for the period to be appropriated9905€13k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-2k▼
Transfer to equity691/2€13k-
To other reserves6921€13k-
The notes to these accounts (5 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼114%
Net result drops to €-2k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Deerlijk · 1 establishment unit since 2021
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.
Harelbekestraat 598540 DeerlijkGround area
303 m²
Building footprint
177 m²
Volume, LiDAR
1,848 m³
Parcel 34392C0026/00P008, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Amandine
since 20212.323.538.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34392C0026/00P008 | Flanders | 303 m² | 1 · 177 m² | 13.9 m · 4 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.
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FUR-ORE
BE 0754.994.550
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HUIS JEANNE
BE 0838.015.167
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Interieur NATUREL
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Of 519 companies in sector 47714 we hold annual accounts for 263. 214 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2021
Fiscal year end31-12
Activities, NACEBEL
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.