ANNA & GRACE
ActiveANNA & GRACE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €6k. Equity is growing by ~32.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-21
Solvency73▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.94 in 2024; short-term debt: 51.9% and cash: 18.1% of total assets), but 51.9% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.1%
Return on assets
2.2%
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 · 10 filingsDeviation from the deadline
2025
21 d early
2024
3 d early
2023
on the day
2022
24 d early
2021
72 d early
2020
30 d early
2019
158 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€369k
EBIT margin
-0.2%
Net result
€6k▼ 84.4%
2024 · €41k
2018: €6k
2019: €5k
2020: €29k
2021: €16k
2022: €66k
2023: €62k
2024: €41k
2018 → 2025
Working capital
€87k▼ 35.7%
2024 · €136k
2018: €3k
2019: €43k
2020: €70k
2021: €64k
2022: €91k
2023: €105k
2024: €136k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€87k▲ 54.6%€109k▲ 25.3%€137k▲ 26.0%€143k▲ 4.7%
Operating result€22k-€79k▲ 252%€72k▼ 8.0%€52k▼ 27.9%€10k▼ 81.1%
Net result€16k-€66k▲ 319%€62k▼ 5.7%€41k▼ 33.4%€6k▼ 84.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€56k▲ 415%
Current assets
€242k▼ 14.0%
Equity and liabilities €298k
Equity
€143k▲ 4.7%
Debt
€155k▼ 0.4%
The debt ratio falls from 53.1% to 51.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €59k
Cash flow
€14k▼
2024 · €48k
Solvency
48.1%▲
2024 · 46.9%
Current ratio
1.57▼
2024 · 1.94
Quick ratio
0.38▼
2024 · 0.64
Debt / equity
1.08▼
2024 · 1.13
ROE
4.5%▼
2024 · 30.1%
ROA
2.2%▼
2024 · 14.1%
Interest coverage
5.25▼
2024 · 16.72
Debt
€155k▼
2024 · €155k
Debt ≤ 1 year
€155k▲
2024 · €145k
Income taxes
€2k▼
2024 · €10k
Staff costs
€22k▼
2024 · €24k
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€292k€298k▲
Fixed assets21/28€11k€56k▲
Tangible fixed assets22/27€11k€42k▲
Plant, machinery and equipment23€11k€42k▲
Financial fixed assets28-€14k
Current assets29/58€281k€242k▼
Stocks and contracts in progress3€189k€184k▼
Stocks30/36€189k€184k▼
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€3k€666▼
Current investments50/53€0-
Cash at bank and in hand54/58€85k€54k▼
Deferred charges and accrued income490/1€268€329▲
Equity and liabilities
Total equity and liabilities10/49€292k€298k▲
Equity10/15€137k€143k▲
Contributions10/11€19k€19k=
Reserves13€118k€125k▲
Distributable reserves133€118k€125k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€155k€155k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€145k€155k▲
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€95k€72k▼
Suppliers440/4€95k€72k▼
Taxes, remuneration and social security45€33k€33k▼
Taxes450/3€29k€29k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€13k€50k▲
Accrued charges and deferred income492/3€10k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€24k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€22k€-2k▼
Other operating charges640/8€884€3k▲
Gross operating margin9900€106k€40k▼
Operating profit (loss)9901€52k€10k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€51k€8k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€41k€6k▼
Profit (loss) for the period to be appropriated9905€41k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€6k▼
Profit (loss) brought forward from the previous period14P€22k€0▼
Transfer to equity691/2€50k€6k▼
To other reserves6921€50k€6k▼
Profit to be distributed694/7€13k€0▼
Directors or managers695€13k€0▼
Social balance
Average headcount (FTE)90871.30.6▼
The notes to these accounts (14 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 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €109k ▲25.3%
6 profitable years in a row build equity to €109k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €66k ▲319%
Operating result €79k, net result €66k, both a record.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
05-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 158 days late
2019
31-12
Financial
Weakest financial yearnet €5k ▼22.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 71 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Schilde · 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.
Turnhoutsebaan 320A2970 SchildeGround area
2,008 m²
Building footprint
477 m²
Volume, LiDAR
3,902 m³
Parcel 11922B0550/00R003, Flanders · tallest building 32.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Anna & Grace
since 20112.197.436.416
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922B0550/00R003 | Flanders | 2,008 m² | 1 · 477 m² | 32.7 m · 3 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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Of 6,503 companies in sector 47716 we hold annual accounts for 2,438. 1,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2011
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.