ANSI
ActiveSummary
ANSI has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €939,529 and a net result of €14,898. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 15% of 156 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability22▼-2
Solvency43▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.23 in 2025; short-term debt: 59.8% and cash: 0% of total assets), and 82.2% of the assets are financed with debt.
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Signals
Six 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
17.8%
Return on assets
0.3%
Age of the figures
6 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 156 sector peers (2026).
NBB · sector comparisonPosition among 156 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 07-07-2026, 116 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
116 d early
2025
45 d early
2024
59 d early
2023
35 d early
2022
on the day
2021
5 d early
2020
43 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 43 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14,898▼ 46.7%
2025 · €27,971
Working capital
€925,809▲ 18.1%
2025 · €783,944
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€109,976▲ 352%€30,428▼ 72.3%€102,454▲ 237%€44,745▼ 56.3%€8,676▼ 80.6%
Net result€72,369▲ 58.9%€15,818▼ 78.1%€19,476▲ 23.1%€27,971▲ 43.6%€14,898▼ 46.7%
Equity€861,367▲ 9.2%€877,184▲ 1.8%€896,660▲ 2.2%€924,631▲ 3.1%€939,529▲ 1.6%
Total assets€5.0m▲ 18.7%€4.8m▼ 2.2%€4.9m▲ 0.5%€5.4m▲ 10.9%€5.3m▼ 2.6%
Debt€4.1m▲ 20.9%€4.0m▼ 3.1%€4.0m▲ 0.2%€4.5m▲ 12.7%€4.3m▼ 3.4%
Working capital€1.5m▲ 530%€1.2m▼ 18.5%€998,827▼ 18.2%€783,944▼ 21.5%€925,809▲ 18.1%
Staff (FTE)1.7=1.8▲ 5.9%1.8=1.8=1.8=
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2026 is 81% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €5.3m
Fixed assets
€1.2m ▼ 0.9%
Current assets
€4.1m ▼ 3.1%
Equity and liabilities €5.3m
Equity
€939,529 ▲ 1.6%
Debt
€4.3m ▼ 3.4%
Debt's share of the balance-sheet total falls from 82.9% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44,217▼
2025 · €80,426
Cash flow
€50,439▼
2025 · €63,651
Current ratio
1.29▲
2025 · 1.23
Debt to equity
4.61▼
2025 · 4.85
ROE
1.6%▼
2025 · 3.0%
ROA
0.3%▼
2025 · 0.5%
Interest coverage
0.37▼
2025 · 0.55
Debt ≤ 1 year
€3.1m▼
2025 · €3.4m
Debt > 1 year
€1.1m▲
2025 · €1.0m
Income taxes
€8,050▼
2025 · €14,497
Staff costs
€191,188▼
2025 · €213,956
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,972 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.2%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
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 3,972 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 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €182,928 | €201,564 | €207,892 | €213,956 | €191,188 | ▼ 10.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,955 | €32,686 | €36,281 | €35,681 | €35,541 | ▼ 0.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€1,027 | -€48,732 | €0 | - | €10,199 | - |
| Other operating charges640/8 | €9,660 | €11,751 | €15,844 | €27,998 | €8,660 | ▼ 69.1% |
| Non-recurring operating charges66A | €0 | - | - | - | €89,721 | - |
| Gross operating margin9900 | €324,491 | €227,697 | €362,472 | €322,380 | €343,985 | ▲ 6.7% |
| Operating profit (loss)9901 | €109,976 | €30,428 | €102,454 | €44,745 | €8,676 | ▼ 80.6% |
| Financial income75/76B | €100,491 | €112,812 | €123,482 | €143,330 | €134,698 | ▼ 6.0% |
| Recurring financial income75 | €100,491 | €112,812 | €123,482 | €143,330 | €134,698 | ▼ 6.0% |
| Financial charges65/66B | €106,810 | €118,695 | €195,645 | €145,607 | €120,426 | ▼ 17.3% |
| Recurring financial charges65 | €106,810 | €118,695 | €195,645 | €145,607 | €120,426 | ▼ 17.3% |
| Profit (loss) for the period before taxes9903 | €103,657 | €24,544 | €30,292 | €42,468 | €22,948 | ▼ 46.0% |
| Income taxes67/77 | €31,288 | €8,727 | €10,816 | €14,497 | €8,050 | ▼ 44.5% |
| Profit (loss) for the period9904 | €72,369 | €15,818 | €19,476 | €27,971 | €14,898 | ▼ 46.7% |
| Profit (loss) for the period to be appropriated9905 | €72,369 | €15,818 | €19,476 | €27,971 | €14,898 | ▼ 46.7% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.0m | €4.8m | €4.9m | €5.4m | €5.3m | ▼ 2.6% |
| Fixed assets21/28 | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 0.9% |
| Intangible fixed assets21 | - | €9,016 | €5,835 | €2,654 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €258,045 | €248,886 | €225,178 | €183,886 | €176,226 | ▼ 4.2% |
| Plant, machinery and equipment23 | €249,045 | €242,886 | €213,386 | €183,886 | €154,386 | ▼ 16.0% |
| Furniture and vehicles24 | €9,000 | €6,000 | €11,792 | €0 | €21,840 | - |
| Financial fixed assets28 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Current assets29/58 | €3.7m | €3.6m | €3.6m | €4.2m | €4.1m | ▼ 3.1% |
| Stocks and contracts in progress3 | €194,929 | €16,276 | €109,620 | €20,336 | €0 | ▼ 100% |
| Stocks30/36 | €194,929 | €16,276 | €109,620 | €20,336 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €3.4m | €3.5m | €3.5m | €4.2m | €4.1m | ▼ 2.5% |
| Trade receivables40 | €3.4m | €3.5m | €3.5m | €4.2m | €4.1m | ▼ 2.4% |
| Other amounts receivable41 | €0 | - | - | €3,619 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €44,368 | €73,372 | €3,991 | €7,126 | €172 | ▼ 97.6% |
| Deferred charges and accrued income490/1 | €14,959 | €8,467 | €42,967 | €20,839 | €23,434 | ▲ 12.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.0m | €4.8m | €4.9m | €5.4m | €5.3m | ▼ 2.6% |
| Equity10/15 | €861,367 | €877,184 | €896,660 | €924,631 | €939,529 | ▲ 1.6% |
| Contributions10/11 | €633,863 | €633,863 | €633,863 | €633,863 | €633,863 | = |
| Capital10 | €633,863 | €633,863 | €633,863 | €633,863 | €633,863 | = |
| Issued capital100 | €633,863 | €633,863 | €633,863 | €633,863 | €633,863 | = |
| Reserves13 | €227,504 | €243,322 | €262,798 | €290,768 | €305,666 | ▲ 5.1% |
| Non-distributable reserves130/1 | €24,516 | €25,307 | €26,280 | €27,679 | €28,424 | ▲ 2.7% |
| Legal reserve130 | €24,516 | €25,307 | €26,280 | €27,679 | €28,424 | ▲ 2.7% |
| Distributable reserves133 | €202,988 | €218,015 | €236,517 | €263,089 | €277,242 | ▲ 5.4% |
| Amounts payable17/49 | €4.1m | €4.0m | €4.0m | €4.5m | €4.3m | ▼ 3.4% |
| Amounts payable after more than one year17 | €1.9m | €1.6m | €1.3m | €1.0m | €1.1m | ▲ 12.2% |
| Financial debts170/4 | €1.9m | €1.6m | €1.3m | €1.0m | €1.1m | ▲ 12.2% |
| Amounts payable within one year42/48 | €2.2m | €2.3m | €2.6m | €3.4m | €3.1m | ▼ 7.9% |
| Current portion of amounts payable after more than one year42 | €265,772 | €304,909 | €288,484 | €317,407 | €168,860 | ▼ 46.8% |
| Financial debts43 | €750,000 | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Credit institutions430/8 | €750,000 | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Trade debts44 | €882,268 | €834,043 | €1.0m | €1.3m | €1.1m | ▼ 10.4% |
| Suppliers440/4 | €882,268 | €834,043 | €1.0m | €1.3m | €1.1m | ▼ 10.4% |
| Advances received on contracts in progress46 | - | - | €100,038 | €0 | €31,466 | - |
| Taxes, remuneration and social security45 | €286,476 | €203,430 | €113,113 | €344,087 | €349,506 | ▲ 1.6% |
| Taxes450/3 | €270,395 | €187,054 | €95,439 | €319,500 | €323,147 | ▲ 1.1% |
| Remuneration and social security454/9 | €16,081 | €16,376 | €17,674 | €24,587 | €26,358 | ▲ 7.2% |
| Other amounts payable47/48 | €0 | - | €90,000 | €500,000 | €472,500 | ▼ 5.5% |
| Accrued charges and deferred income492/3 | €13,623 | €20,480 | €36,487 | €46,588 | €39,704 | ▼ 14.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €72,369 | €15,818 | €19,476 | €27,971 | €14,898 | ▼ 46.7% |
| + Depreciation and write-downs630 | €22,955 | €32,686 | €36,281 | €35,681 | €35,541 | ▼ 0.4% |
| Operating cash flow (approximation) | €95,324 | €48,504 | €55,758 | €63,651 | €50,439 | ▼ 20.8% |
| Investment in fixed assets (approximation) | - | -€41,510 | -€425 | €8,792 | -€25,227 | ▼ 387% |
| Change in cash | - | €29,004 | -€69,382 | €3,135 | -€6,954 | ▼ 322% |
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 2027, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Highest result since 2019net €72,369 ▲58.9%
Operating result €109,976, net result €72,369, both a record.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Sint-Niklaas · 1 establishment unit since 2002
Ground area
4.0 ha
Building footprint
1.3 ha
Volume, LiDAR
98,534 m³
Parcel 46442C1276/00D000, Flanders · tallest building 13.6 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
ANSI
since 20022.095.831.686
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C1276/00D000 | Flanders | 4.0 ha | 1 · 1.3 ha | 13.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 owners · 1 holdingOwners 2
- Sourceaccounts DieS 30-09-202550%
-
50%
Holdings 1
-
99.87%
According to the annual accounts to 31-03-2026 of ANSI and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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FILOU COMPANY
BE 0435.732.215
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The Woody Group
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Of 1,307 companies in sector 46423 we hold annual accounts for 810. 457 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded02-05-1995
Fiscal year end31-03
Activities, NACEBEL 2025
46423Wholesale of clothing, excluding workwear and underwear
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47714Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455185366
Registered
22-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.