BEAL
ActiveSummary
BEAL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €-16k. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 3489 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-64
Solvency38▼-62
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.61 against 5.01 in 2024; short-term debt: 8.2% and cash: 4.8% of total assets), and 87.4% of the assets are financed with debt.
Credit check 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 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.6%
Return on assets
-5.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 3489 sector peers (2025).
NBB · sector comparisonPosition among 3489 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
33 d late
2024
29 d late
2023
29 d late
2022
23 d late
2021
17 d early
2020
9 d late
2019
35 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-16k
2024 · €5k
2018: €-1k
2019: €-798▲ +39.3% vs 2018
2020: €5k▲ +700% vs 2019
2021: €33k▲ +580% vs 2020highest in 8 years
2022: €-17k▼ -151% vs 2021lowest in 8 years
2023: €14k▲ +184% vs 2022
2024: €5k▼ -64.4% vs 2023
2025: €-16k▼ -431% vs 2024
2018 → 2025
Working capital
€-9k
2024 · €49k
2018: €4k
2019: €4k▼ -5.4% vs 2018
2020: €12k▲ +190% vs 2019
2021: €49k▲ +310% vs 2020
2022: €38k▼ -22.2% vs 2021
2023: €52k▲ +36.7% vs 2022highest in 8 years
2024: €49k▼ -5.9% vs 2023
2025: €-9k▼ -119% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€38k▼ 22.2%€52k▲ 36.7%€53k▲ 1.8%€36k▼ 31.0%
2021: €49k
2022: €38k▼ -22.2% vs 2021
2023: €52k▲ +36.7% vs 2022
2024: €53k▲ +1.8% vs 2023highest in 5 years
2025: €36k▼ -31.0% vs 2024lowest in 5 years
Operating result€33k-€-16k€15k€8k▼ 47.6%€-9k
2021: €33khighest in 5 years
2022: €-16k▼ -150% vs 2021lowest in 5 years
2023: €15k▲ +193% vs 2022
2024: €8k▼ -47.6% vs 2023
2025: €-9k▼ -214% vs 2024
Net result€33k-€-17k€14k€5k▼ 64.4%€-16k
2021: €33khighest in 5 years
2022: €-17k▼ -151% vs 2021lowest in 5 years
2023: €14k▲ +184% vs 2022
2024: €5k▼ -64.4% vs 2023
2025: €-16k▼ -431% vs 2024
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289k
Fixed assets
€275k ▲ 6,766%
Current assets
€15k ▼ 76.1%
Equity and liabilities €289k
Equity
€36k ▼ 31.0%
Debt
€253k ▲ 1,979%
Debt's share of the balance-sheet total rises from 18.7% to 87.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €9k
Cash flow
€-5k▼
2024 · €6k
Current ratio
0.61▼
2024 · 5.01
Debt to equity
6.94▲
2024 · 0.23
ROE
-45.0%▼
2024 · 9.4%
ROA
-5.7%▼
2024 · 7.6%
Interest coverage
0.26▼
2024 · 38.62
Debt ≤ 1 year
€24k▲
2024 · €12k
Debt > 1 year
€229k
Income taxes
€264▼
2024 · €3k
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 · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€65k€289k▲
Fixed assets21/28€4k€275k▲
Tangible fixed assets22/27€4k€275k▲
Land and buildings22-€272k
Plant, machinery and equipment23€4k€3k▼
Current assets29/58€61k€15k▼
Amounts receivable within one year40/41€55k€810▼
Trade receivables40€5k-
Other amounts receivable41€50k€810▼
Cash at bank and in hand54/58€6k€14k▲
Equity and liabilities
Total equity and liabilities10/49€65k€289k▲
Equity10/15€53k€36k▼
Contributions10/11€16k€16k=
Reserves13€150€150=
Non-distributable reserves130/1€150€150=
Reserves not available under the articles1311€150€150=
Profit (loss) carried forward14€36k€20k▼
Amounts payable17/49€12k€253k▲
Amounts payable after more than one year17-€229k
Financial debts170/4-€229k
Amounts payable within one year42/48€12k€24k▲
Current portion of amounts payable after more than one year42€1k€15k▲
Trade debts44€4k€201▼
Suppliers440/4€4k€201▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€4k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€600-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€11k▲
Other operating charges640/8€690€2k▲
Gross operating margin9900€10k€4k▼
Operating profit (loss)9901€8k€-9k▼
Financial income75/76B-€14
Recurring financial income75-€14
Financial charges65/66B€233€7k▲
Recurring financial charges65€233€7k▲
Profit (loss) for the period before taxes9903€8k€-16k▼
Income taxes67/77€3k€264▼
Profit (loss) for the period9904€5k€-16k▼
Profit (loss) for the period to be appropriated9905€5k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€20k▼
Profit (loss) brought forward from the previous period14P€35k€36k▲
Profit to be distributed694/7€4k-
Directors or managers695€4k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €600 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €1k | €11k | ▲ 991% |
| Other operating charges640/8 | €646 | €6k | €728 | €690 | €2k | ▲ 176% |
| Gross operating margin9900 | €33k | €-11k | €16k | €10k | €4k | ▼ 63.6% |
| Operating profit (loss)9901 | €33k | €-16k | €15k | €8k | €-9k | ▼ 214% |
| Financial income75/76B | - | - | - | - | €14 | - |
| Recurring financial income75 | - | - | - | - | €14 | - |
| Financial charges65/66B | €77 | €105 | €186 | €233 | €7k | ▲ 2,932% |
| Recurring financial charges65 | €77 | €105 | €186 | €233 | €7k | ▲ 2,932% |
| Profit (loss) for the period before taxes9903 | €33k | €-17k | €15k | €8k | €-16k | ▼ 308% |
| Income taxes67/77 | €137 | - | €1k | €3k | €264 | ▼ 90.6% |
| Profit (loss) for the period9904 | €33k | €-17k | €14k | €5k | €-16k | ▼ 431% |
| Profit (loss) for the period to be appropriated9905 | €33k | €-17k | €14k | €5k | €-16k | ▼ 431% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €49k | €44k | €53k | €65k | €289k | ▲ 345% |
| Fixed assets21/28 | - | - | - | €4k | €275k | ▲ 6,766% |
| Tangible fixed assets22/27 | - | - | - | €4k | €275k | ▲ 6,766% |
| Land and buildings22 | - | - | - | - | €272k | - |
| Plant, machinery and equipment23 | - | - | - | €4k | €3k | ▼ 25.0% |
| Current assets29/58 | €49k | €44k | €53k | €61k | €15k | ▼ 76.1% |
| Amounts receivable within one year40/41 | €49k | €41k | €49k | €55k | €810 | ▼ 98.5% |
| Trade receivables40 | €30k | €70 | €2k | €5k | - | - |
| Other amounts receivable41 | €19k | €41k | €47k | €50k | €810 | ▼ 98.4% |
| Cash at bank and in hand54/58 | €84 | €3k | €4k | €6k | €14k | ▲ 129% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €49k | €44k | €53k | €65k | €289k | ▲ 345% |
| Equity10/15 | €49k | €38k | €52k | €53k | €36k | ▼ 31.0% |
| Contributions10/11 | €14k | €16k | €16k | €16k | €16k | = |
| Capital10 | €14k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €5k | - | - | - | - | - |
| Reserves13 | €2k | €150 | €150 | €150 | €150 | = |
| Non-distributable reserves130/1 | €2k | €150 | €150 | €150 | €150 | = |
| Legal reserve130 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €150 | €150 | €150 | €150 | = |
| Profit (loss) carried forward14 | €34k | €22k | €35k | €36k | €20k | ▼ 45.0% |
| Amounts payable17/49 | €315 | €6k | €862 | €12k | €253k | ▲ 1,979% |
| Amounts payable after more than one year17 | - | - | - | - | €229k | - |
| Financial debts170/4 | - | - | - | - | €229k | - |
| Amounts payable within one year42/48 | €315 | €6k | €862 | €12k | €24k | ▲ 96.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €1k | €15k | ▲ 974% |
| Trade debts44 | - | €6k | - | €4k | €201 | ▼ 94.4% |
| Suppliers440/4 | - | €6k | - | €4k | €201 | ▼ 94.4% |
| Taxes, remuneration and social security45 | €315 | €987 | €862 | €3k | €2k | ▼ 53.5% |
| Taxes450/3 | €315 | €987 | €862 | €3k | €2k | ▼ 53.5% |
| Other amounts payable47/48 | - | - | - | €4k | €8k | ▲ 89.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33k | €-17k | €14k | €5k | €-16k | ▼ 431% |
| + Depreciation and write-downs630 | - | - | - | €1k | €11k | ▲ 991% |
| Operating cash flow (approximation) | €33k | €-17k | €14k | €6k | €-5k | ▼ 192% |
| Investment in fixed assets (approximation) | - | - | - | - | €-282k | - |
| Change in cash | - | €3k | €498 | €2k | €8k | ▲ 225% |
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
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 33 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 61.09
Current ratio from 6.84 to 61.09; short-term debt falls from €6k to €862.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €33k ▲580%
Operating result €33k, net result €33k, both a record.
31-12
Financial
Liquidity times 19current ratio 155.52
Current ratio from 8.40 to 155.52; short-term debt falls from €2k to €315.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
Show earlier events
31-12
Financial
Liquidity quadruplescurrent ratio 8.40
Current ratio from 2.02 to 8.40; short-term debt falls from €4k to €2k.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Schaarbeek · 2 establishment units since 2017
Ground area
1,555 m²
Building footprint
937 m²
Volume, LiDAR
22,046 m³
2 parcels, Brussels · tallest building 29.5 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
COUTURE OPTIMUM
since 20172.270.305.685
Couture 91
since 20192.288.997.189
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0277/00C005 | Brussels | 1,298 m² | 1 · 744 m² | 29.5 m · 9 fl. |
| 21904B0401/00P003indicative | Brussels | 257 m² | 1 · 194 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,450 companies in sector 74130 we hold annual accounts for 339. 284 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
Founded05-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
74130Interior design
85699Other educational support services
14220Manufacture of wearing apparel
46190Agents in non-specialised wholesale trade
74140Other specialised design activities
95290Repair and maintenance of other personal and household goods
Scores and ratios are computed by Checked and are not a credit decision.