BEL'RESIDENCES
ActiveThe computed 12-month bankruptcy probability of BEL'RESIDENCES is 1.8% (moderate). The 2025 annual accounts show negative equity (€-69k) and a net result of €-9k. Equity is shrinking by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 19% of 1300 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+52
Solvency10▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.06 against 0.06 in 2024; short-term debt: 115.4% and cash: 6.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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
-15.4%
Return on assets
-2.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-69k
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 19-03-2026, 134 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
134 d early
2024
93 d early
2023
78 d early
2022
89 d early
2021
38 d early
2020
72 d early
← 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, micro schema
Equity
€-69k▼ 15.9%
2024 · €-60k
2020: €428
2021: €-36k
2022: €-44k
2023: €-41k
2024: €-60k
2020 → 2025
Total assets
€448k▼ 3.7%
2024 · €465k
2020: €4k
2021: €273k
2022: €499k
2023: €509k
2024: €465k
2020 → 2025
Net result
€-9k▲ 50.0%
2024 · €-19k
2020: €-5k
2021: €-19k
2022: €-8k
2023: €3k
2024: €-19k
2020 → 2025
Working capital
€-486k▲ 1.5%
2024 · €-494k
2020: €428
2021: €-307k
2022: €-542k
2023: €-474k
2024: €-494k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-36k-€-44k▼ 22.0%€-41k▲ 7.7%€-60k▼ 46.7%€-69k▼ 15.9%
Operating result€-19k-€-8k▲ 58.7%€3k€-19k€-9k▲ 50.2%
Net result€-19k-€-8k▲ 58.5%€3k€-19k€-9k▲ 50.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €19k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €448k
Fixed assets
€417k▼ 3.9%
Current assets
€31k▼ 0.4%
Key figures and ratios
EBITDA
€7k▲
2024 · €-3k
Cash flow
€7k▲
2024 · €-3k
Solvency
-15.4%▼
2024 · -12.8%
Current ratio
0.06▲
2024 · 0.06
Quick ratio
0.06▲
2024 · 0.06
Debt / equity
-7.49▲
2024 · -8.81
ROA
-2.1%▲
2024 · -4.1%
Interest coverage
177.48▲
2024 · -68.26
Debt
€517k▼
2024 · €524k
Debt ≤ 1 year
€517k▼
2024 · €524k
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€465k€448k▼
Fixed assets21/28€434k€417k▼
Tangible fixed assets22/27€434k€417k▼
Land and buildings22€420k€406k▼
Other tangible fixed assets26€14k€11k▼
Current assets29/58€31k€31k▼
Amounts receivable within one year40/41€1k€158▼
Trade receivables40€923-
Other amounts receivable41€127€158▲
Cash at bank and in hand54/58€30k€30k▲
Deferred charges and accrued income490/1€62€68▲
Equity and liabilities
Total equity and liabilities10/49€465k€448k▼
Equity10/15€-60k€-69k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-65k€-74k▼
Amounts payable17/49€524k€517k▼
Amounts payable within one year42/48€524k€517k▼
Trade debts44€159€76▼
Suppliers440/4€159€76▼
Taxes, remuneration and social security45€172-
Taxes450/3€172-
Other amounts payable47/48€524k€517k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€551€2k▲
Gross operating margin9900€-2k€10k▲
Operating profit (loss)9901€-19k€-9k▲
Financial charges65/66B€42€42=
Recurring financial charges65€42€42=
Profit (loss) for the period before taxes9903€-19k€-9k▲
Profit (loss) for the period9904€-19k€-9k▲
Profit (loss) for the period to be appropriated9905€-19k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-65k€-74k▼
Profit (loss) brought forward from the previous period14P€-46k€-65k▼
The notes to these accounts (4 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Vaux-sur-Sûre · 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 du Wez 316640 Vaux-sur-SûreGround area
1.0 ha
Building footprint
655 m²
Volume, LiDAR
3,825 m³
2 parcels, Wallonia · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Fays sn, 6680 Sainte-Ode
since 20192.296.396.806
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82029C0576/00L000 | Wallonia | 6,430 m² | 1 · 387 m² | 7.6 m · 2 fl. |
| 82031C1022/00H000 | Wallonia | 3,578 m² | 1 · 267 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 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 3,000 companies in sector 55203 we hold annual accounts for 690. 48 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2019
Fiscal year end31-12
Activities, NACEBEL
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.