ANNIE
ActiveSummary
ANNIE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111,027 and a net result of €18,991. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 62% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▼-3
Solvency73▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.03 in 2024; short-term debt: 51.8% and cash: 69.9% of total assets), but 51.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
48.2%
Return on assets
8.2%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
7 d early
2023
29 d early
2022
3 d early
2021
11 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€111,027▼ 26.3%
2024 · €150,715
Total assets
€230,465▼ 20.7%
2024 · €290,492
Net result
€18,991▼ 39.5%
2024 · €31,367
Working capital
€106,044▼ 26.3%
2024 · €143,811
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€53,680▼ 4.8%€36,810▼ 31.4%€1,405▼ 96.2%€49,734▲ 3,440%€31,788▼ 36.1%
Net result€34,454above the sector's middle half▼ 13.6%€22,013above the sector's middle half▼ 36.1%-€5,501below the sector's middle half€31,367above the sector's middle half€18,991within the sector's middle half▼ 39.5%
Equity€140,361above the sector's middle half▼ 2.6%€145,387above the sector's middle half▲ 3.6%€139,885above the sector's middle half▼ 3.8%€150,715above the sector's middle half▲ 7.7%€111,027within the sector's middle half▼ 26.3%
Total assets€254,511within the sector's middle half▲ 24.1%€279,634within the sector's middle half▲ 9.9%€285,004within the sector's middle half▲ 1.9%€290,492within the sector's middle half▲ 1.9%€230,465within the sector's middle half▼ 20.7%
Debt€114,150▲ 87.2%€134,247▲ 17.6%€145,119▲ 8.1%€139,777▼ 3.7%€119,438▼ 14.6%
Working capital€119,155▼ 10.1%€129,344▲ 8.6%€123,552▼ 4.5%€143,811▲ 16.4%€106,044▼ 26.3%
Solvency55.1%within the sector's middle half▼ 15.1pp52.0%within the sector's middle half▼ 3.2pp49.1%within the sector's middle half▼ 2.9pp51.9%within the sector's middle half▲ 2.8pp48.2%within the sector's middle half▼ 3.7pp
Staff (FTE)12.2▲ 38.6%11.5▼ 5.7%11.4▼ 0.9%11.1▼ 2.6%12.7▲ 14.4%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230,465
Fixed assets
€4,983 ▼ 27.8%
Current assets
€225,482 ▼ 20.5%
Equity and liabilities €230,465
Equity
€111,027 ▼ 26.3%
Debt
€119,438 ▼ 14.6%
Debt's share of the balance-sheet total rises from 48.1% to 51.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€35,330▼
2024 · €60,135
Cash flow
€22,532▼
2024 · €41,768
Current ratio
1.89▼
2024 · 2.03
Debt to equity
1.08▲
2024 · 0.93
ROE
17.1%▼
2024 · 20.8%
ROA
8.2%▼
2024 · 10.8%
Interest coverage
13.24▼
2024 · 17.74
Debt ≤ 1 year
€119,438▼
2024 · €139,777
Income taxes
€11,061▼
2024 · €16,133
Staff costs
€441,619▲
2024 · €407,542
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,082 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €353,111 | €414,935 | €438,691 | €407,542 | €441,619 | ▲ 8.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,311 | €10,925 | €10,286 | €10,401 | €3,542 | ▼ 66.0% |
| Other operating charges640/8 | €4,034 | €3,340 | €2,944 | €1,945 | €1,995 | ▲ 2.6% |
| Gross operating margin9900 | €420,136 | €466,010 | €453,326 | €469,622 | €478,945 | ▲ 2.0% |
| Operating profit (loss)9901 | €53,680 | €36,810 | €1,405 | €49,734 | €31,788 | ▼ 36.1% |
| Financial income75/76B | - | €0 | €0 | €1,157 | €931 | ▼ 19.5% |
| Recurring financial income75 | - | €0 | €0 | €1,157 | €931 | ▼ 19.5% |
| Financial charges65/66B | €1,517 | €1,533 | €3,256 | €3,390 | €2,668 | ▼ 21.3% |
| Recurring financial charges65 | €1,517 | €1,533 | €3,256 | €3,390 | €2,668 | ▼ 21.3% |
| Profit (loss) for the period before taxes9903 | €52,163 | €35,276 | -€1,851 | €47,500 | €30,051 | ▼ 36.7% |
| Income taxes67/77 | €17,709 | €13,263 | €3,651 | €16,133 | €11,061 | ▼ 31.4% |
| Profit (loss) for the period9904 | €34,454 | €22,013 | -€5,501 | €31,367 | €18,991 | ▼ 39.5% |
| Profit (loss) for the period to be appropriated9905 | €34,454 | €22,013 | -€5,501 | €31,367 | €18,991 | ▼ 39.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €254,511 | €279,634 | €285,004 | €290,492 | €230,465 | ▼ 20.7% |
| Fixed assets21/28 | €33,748 | €22,823 | €17,305 | €6,904 | €4,983 | ▼ 27.8% |
| Tangible fixed assets22/27 | €33,748 | €22,823 | €17,305 | €6,904 | €4,983 | ▼ 27.8% |
| Land and buildings22 | - | €0 | €0 | €0 | - | - |
| Plant, machinery and equipment23 | €612 | €254 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €208 | €156 | €4,664 | €4,034 | €2,634 | ▼ 34.7% |
| Leasing and similar rights25 | €25,239 | €17,364 | €9,489 | €1,614 | - | - |
| Other tangible fixed assets26 | €7,689 | €5,050 | €3,153 | €1,257 | €2,348 | ▲ 86.9% |
| Current assets29/58 | €220,764 | €256,811 | €267,698 | €283,588 | €225,482 | ▼ 20.5% |
| Amounts receivable within one year40/41 | €86,452 | €99,742 | €98,589 | €80,487 | €63,721 | ▼ 20.8% |
| Trade receivables40 | €40,477 | €49,678 | €46,378 | €48,140 | €29,035 | ▼ 39.7% |
| Other amounts receivable41 | €45,975 | €50,064 | €52,211 | €32,347 | €34,685 | ▲ 7.2% |
| Cash at bank and in hand54/58 | €132,564 | €155,816 | €168,011 | €201,986 | €161,027 | ▼ 20.3% |
| Deferred charges and accrued income490/1 | €1,748 | €1,253 | €1,099 | €1,115 | €735 | ▼ 34.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €254,511 | €279,634 | €285,004 | €290,492 | €230,465 | ▼ 20.7% |
| Equity10/15 | €140,361 | €145,387 | €139,885 | €150,715 | €111,027 | ▼ 26.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €134,161 | €139,187 | €139,187 | €150,016 | €110,328 | ▼ 26.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €132,301 | €137,327 | €137,327 | €148,156 | €108,468 | ▼ 26.8% |
| Profit (loss) carried forward14 | - | - | -€5,501 | -€5,501 | -€5,501 | = |
| Amounts payable17/49 | €114,150 | €134,247 | €145,119 | €139,777 | €119,438 | ▼ 14.6% |
| Amounts payable after more than one year17 | €12,542 | €6,780 | €972 | - | - | - |
| Financial debts170/4 | €12,542 | €6,780 | €972 | - | - | - |
| Amounts payable within one year42/48 | €101,609 | €127,467 | €144,146 | €139,777 | €119,438 | ▼ 14.6% |
| Current portion of amounts payable after more than one year42 | €5,704 | €33,386 | €17,944 | €22,190 | €16,112 | ▼ 27.4% |
| Trade debts44 | €15,311 | €4,028 | €33,458 | €29,481 | €15,119 | ▼ 48.7% |
| Suppliers440/4 | €15,311 | €4,028 | €33,458 | €29,481 | €15,119 | ▼ 48.7% |
| Taxes, remuneration and social security45 | €80,594 | €73,066 | €92,744 | €88,106 | €49,959 | ▼ 43.3% |
| Taxes450/3 | €28,984 | €38,336 | €16,959 | €27,210 | €14,450 | ▼ 46.9% |
| Remuneration and social security454/9 | €51,610 | €34,730 | €75,785 | €60,896 | €35,509 | ▼ 41.7% |
| Other amounts payable47/48 | - | €16,987 | - | - | €38,247 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,454 | €22,013 | -€5,501 | €31,367 | €18,991 | ▼ 39.5% |
| + Depreciation and write-downs630 | €9,311 | €10,925 | €10,286 | €10,401 | €3,542 | ▼ 66.0% |
| Operating cash flow (approximation) | €43,765 | €32,938 | €4,785 | €41,768 | €22,532 | ▼ 46.1% |
| Investment in fixed assets (approximation) | - | €0 | -€4,769 | €0 | -€1,620 | - |
| Change in cash | - | €23,252 | €12,195 | €33,975 | -€40,959 | ▼ 221% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €31,367
Net result €31,367 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €150,715 ▲7.7%
Equity rises from €139,885 to €150,715.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€5,501
Net result drops to -€5,501, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €39,888
Net result €39,888 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Roeselare · 3 establishment units since 2004
Ground area
10.6 ha
Building footprint
3.3 ha
Volume, LiDAR
108,140 m³
4 parcels, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
JBC
since 20042.138.914.534
JBC Mode
since 20202.307.078.385
CKS
since 20242.364.965.611
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352B0962/00W000 | Flanders | 4.9 ha | 1 · 1.5 ha | - |
| 36494D0672/00N002 | Flanders | 4.7 ha | 1 · 1.4 ha | 9.6 m · 2 fl. |
| 34352B0931/00F003 | Flanders | 1.0 ha | 1 · 4,079 m² | 10.8 m · 2 fl. |
| 36302B1174/00F000 | Flanders | 586 m² | 1 · 162 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels 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 · 2 entries · -1,648 EUR awarded · 77 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 2 | -1,648 EUR | 77 EUR |
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 495 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47511Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465751240
Registered
05-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.