Equity
€143,311 ▲ 4.7%
ANNA & GRACE has made a profit without a break since 2016.
ANNA & GRACE
Lifetime
15 annual accounts with figures on one time axispeak €156,417 (2013)
€40,284▼ 62.1%
lowest -€25,232 (2015)
€6,432▼ 84.4%
peak €143,311 (2025)
€143,311▲ 4.7%
€154,649▼ 0.4%
peak 4.8 FTE (2013)
0.6 FTE▼ 53.8%
Board3 names since 2011
1 directorBE.ES
Owners
100%BE.ES
Documentsfilings and deeds
10-07-202621 days before the deadline
2025abbreviated format
Gross margin from €106,378 to €40,284Result from €41,235 to €6,432Staff from 1.3 FTE to 0.6 FTEPublication in the Belgian Official Gazette 22-07Registered office moved within Schilde 27-061 director appointed, 1 resignation 08-01
Key points
from the 2025 annual accountsInvestments
€40,558 5.4 × depreciation
Green is investment, beige is depreciation. Machinery stands 285.9% higher than in 2024.
Staff
1 employees on 31-12-2025
In 2025, 1 person joined and 1 left.
Checked score
82
Excellent
Financially stronger than 51% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024lowest value
02-2025: 0.2%● unchanged vs 01-2025lowest value
03-2025: 0.2%● unchanged vs 02-2025lowest value
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.5 percentage points vs 06-2025highest value
08-2025: 0.4%▼ -0.3 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 1.57, cash €54,054
Figures for financial year 2025 (filed on 10-07-2026)
Equity €143,311 (48.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 63% of them on solvency, 46% on liquidity, 46% on profitability and 51% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as ANNA & GRACE has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of ANNA & GRACE itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for ANNA & GRACE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.57 (1.94 in 2024), above the usual 1.5. Short-term debt is 51.9% and cash 18.1% of total assets. However, 51.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 · 10 filingsDeviation from the deadline
2025
21 days early
2024
3 days early
2023
on the day
2022
24 days early
2021
72 days early
2020
30 days early
2019
158 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Publication in the Belgian Official Gazette
Gazette deed
Registered office moved within Schilde
New registered office: Turnhoutsebaan 320A, 2970 Schilde · Previous registered office: Turnhoutsebaan 312, 2970 Schilde · “Cafés en bar:; Detailhandel in dames-,heren-,baby- en kinderboven- en onderkleding en…” (deed in Dutch) · General meeting of 10-11-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0834097753
1 director appointed, 1 resignation
Resignation: BE.ES FASHION COMPANY · Permanent representative: Veronique Biesemans · Appointment: BE.ES · General meeting of 27-11-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANNA & GRACE Schilde | €297,960 | €40,284 | 48.1% | 0.6 |
| ANTWERP FASHION AGENCY Antwerp | €290,101 | €41,267 | 23.9% | 0.6 |
| BOUTIQUE OZE Tournai | €209,502 | €50,114 | 73.2% | 0.6 |
| DEAN FASHION Huy | €391,121 | €59,924 | 5.4% | 1.1 |
| Polo II Turnhout | €237,952 | €57,837 | 81.0% | 1 |
| AMARYLLIS Antwerp | €393,619 | €38,992 | 47.4% | 1.3 |
| THE MOOSE Kontich | €156,210 | €35,202 | -128.6% | 0.9 |
These companies have the same main activity as ANNA & GRACE: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €156,000 and €394,000, founded between 2004 and 2015.
Official details
Source: KBO- Status
- Active since 24-02-2011Normal situation
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range)NACE 47716
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.197.436.4162970 Schilde, since 24-02-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2025
Annual accounts 2025
- ≈ €190,000estimated
- €297,960▲ 2.0%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on ANNA & GRACE
ANNA & GRACE files the abbreviated format. That format states no turnover. The gross margin rose from €19,785 in 2011 to €40,284 in 2025.
BE.ES holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ANNA & GRACE
- What is the company number of ANNA & GRACE?
- The company number of ANNA & GRACE is 0834.097.753. The VAT number is the same number with BE in front: BE 0834.097.753.
- Where is ANNA & GRACE based?
- The registered office is at Turnhoutsebaan 320A, 2970 Schilde.Company details
- What does ANNA & GRACE do?
- According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
- What is the legal form of ANNA & GRACE?
- ANNA & GRACE is a private limited company (BV).
- When was ANNA & GRACE founded?
- ANNA & GRACE was founded on 24-02-2011.
- Is ANNA & GRACE still active?
- Yes, ANNA & GRACE is an active enterprise in the KBO register.
- How many employees does ANNA & GRACE have?
- ANNA & GRACE had an average of 0.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does ANNA & GRACE fall under?
- In its 2025 annual accounts, ANNA & GRACE states joint committee 201 (Independent retail).
- What is the turnover of ANNA & GRACE?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €40,284 and 72 comparable companies (NACE 477). It probably lies between €100,000 and €350,000. In financial year 2018 turnover was €368,983.
- Is ANNA & GRACE profitable?
- In financial year 2025, ANNA & GRACE made a profit of €6,432.
- Where can I find the annual accounts of ANNA & GRACE?
- ANNA & GRACE filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ANNA & GRACE due?
- ANNA & GRACE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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