Au Jardin du Coeur
ActiveSummary
Au Jardin du Coeur has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €73k and a net result of €235k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 17% of 691 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▼-1
Solvency28▼-19
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.95 against 1.18 in 2023; short-term debt: 92.8% and cash: 32% of total assets), and 96.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 691 sector peers (2024).
NBB · sector comparisonPosition among 691 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-06-2025, 48 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
48 d early
2023
41 d early
2022
45 d early
2021
41 d early
2020
50 d early
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€235k▲ 9.4%
2023 · €215k
2019: €121k
2020: €283k
2021: €132k
2022: €328k
2023: €215k
2019 → 2024
Working capital
€-104k
2023 · €264k
2019: €140k
2020: €111k
2021: €-29k
2022: €187k
2023: €264k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€70k-€68k▼ 3.9%€276k▲ 307%€413k▲ 49.7%€73k▼ 82.4%
Operating result€342k-€157k▼ 54.3%€394k▲ 152%€260k▼ 33.9%€253k▼ 2.7%
Net result€283k-€132k▼ 53.2%€328k▲ 148%€215k▼ 34.5%€235k▲ 9.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.14M
Fixed assets
€257k ▲ 51.1%
Current assets
€1.88M ▲ 10.8%
Equity and liabilities €2.14M
Equity
€73k ▼ 82.4%
Debt
€2.06M ▲ 42.0%
Debt's share of the balance-sheet total rises from 77.9% to 96.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€311k▲
2023 · €305k
Cash flow
€293k▲
2023 · €259k
Current ratio
0.95▼
2023 · 1.18
Debt to equity
28.43▲
2023 · 3.52
ROE
323.7%▲
2023 · 52.0%
ROA
11.0%▼
2023 · 11.5%
Interest coverage
21.47▼
2023 · 26.81
Debt ≤ 1 year
€1.98M▲
2023 · €1.43M
Debt > 1 year
€75k▲
2023 · €21k
Income taxes
€16k▼
2023 · €44k
Staff costs
€4.51M▲
2023 · €4.25M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 55 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.87M€2.14M▲
Fixed assets21/28€170k€257k▲
Tangible fixed assets22/27€170k€257k▲
Plant, machinery and equipment23€44k€30k▼
Furniture and vehicles24€55k€42k▼
Other tangible fixed assets26€71k€185k▲
Current assets29/58€1.70M€1.88M▲
Amounts receivable within one year40/41€1.14M€1.17M▲
Trade receivables40€543k€543k▼
Other amounts receivable41€595k€626k▲
Cash at bank and in hand54/58€458k€683k▲
Deferred charges and accrued income490/1€99k€27k▼
Equity and liabilities
Total equity and liabilities10/49€1.87M€2.14M▲
Equity10/15€413k€73k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€345k€5k▼
Amounts payable17/49€1.45M€2.06M▲
Amounts payable after more than one year17€21k€75k▲
Financial debts170/4€21k€75k▲
Amounts payable within one year42/48€1.43M€1.98M▲
Current portion of amounts payable after more than one year42€5k€24k▲
Financial debts43€318k€303k▼
Credit institutions430/8€318k€303k▼
Trade debts44€157k€231k▲
Suppliers440/4€157k€231k▲
Taxes, remuneration and social security45€865k€835k▼
Taxes450/3€56k€39k▼
Remuneration and social security454/9€809k€796k▼
Other amounts payable47/48€87k€589k▲
Accrued charges and deferred income492/3€0€6k▲
Income statement
Code20232024
Remuneration, social security and pensions62€4.25M€4.51M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€58k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€8k€8k▲
Gross operating margin9900€4.56M€4.83M▲
Operating profit (loss)9901€260k€253k▼
Financial income75/76B€10k€12k▲
Recurring financial income75€10k€12k▲
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€259k€251k▼
Income taxes67/77€44k€16k▼
Profit (loss) for the period9904€215k€235k▲
Profit (loss) for the period to be appropriated9905€215k€235k▲
Appropriation of the result
Profit (loss) to be appropriated9906€423k€580k▲
Profit (loss) brought forward from the previous period14P€208k€345k▲
Profit to be distributed694/7€78k€575k▲
Return on contributions (dividend)694-€500k
Directors or managers695€78k€75k▼
Social balance
Average headcount (FTE)908767.369.7▲
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-08
State Gazette act
Appointment: Valérie Anne Fraylich (director)Resignations: Guillaume Raoux (director) and Jean-Claude Demeuse (director) · Mandate compensation8 facts ▸
State Gazette act
Appointment: Valérie Anne Fraylich (director)
Resignations: Guillaume Raoux (director) and Jean-Claude Demeuse (director) · Mandate compensation8 facts ▸
- General meeting, 22-05-2026
- Board meeting, 22-05-2026
- Director appointment, Valérie Anne Fraylich (director)
- Director resignation, Guillaume Raoux (director)
- Director resignation, Jean-Claude Demeuse (director)
- Director appointment, Valérie Anne Fraylich (day-to-day manager)
- Director resignation, Jean-Claude Demeuse (day-to-day manager)
- Mandate compensation, Valérie Anne Fraylich
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2019net €328k ▲148%
Operating result €394k, net result €328k, both a record.
31-12
Financial
Equity above €200kEq €276k ▲307%
4 profitable years in a row build equity to €276k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Valérie Anne Fraylich
CurrentDirector · since 22-05-2026
31-12-2026
Jean-Claude DEMEUSE: Resigned as Day-to-day manager
31-12-2026
Jean-Claude DEMEUSE: Resigned as Director
22-05-2026
Valérie Anne Fraylich: Appointed as Director
22-05-2026
Valérie Anne Fraylich: Appointed as Day-to-day manager
22-05-2026
Guillaume RAOUX: Resigned as Director
Location & real-estate footprint
Registered office, Fléron · 1 establishment unit since 2019
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.
Rue de Magnée 824620 FléronGround area
344 m²
Building footprint
77 m²
Volume, LiDAR
721 m³
Parcel 62038B0104/00S000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Au Jardin du Coeur
since 20192.291.687.752
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62038B0104/00S000indicative | Wallonia | 344 m² | 1 · 77 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteFléron2.291.687.752
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SOGINFI
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COQUETTE
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Des Amis
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Keerbergen · Eq €35k
Of 29 companies in sector 87109 we hold annual accounts for 16. 12 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
87109Residential care activities
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.