Bell'Ami
ActiveSummary
Bell'Ami has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€693) and a net result of €1,789. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▲+29
Solvency24▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.13 against 1.12 in 2024; short-term debt: 86.1% and cash: 9.4% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
-0.5%
Return on assets
1.3%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 18973 sector peers (2025).
NBB · sector comparisonPosition among 18973 sector peers
Solvency
better than 22%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
38 d early
2023
32 d early
2022
24 d early
2021
25 d early
2020
36 d early
2019
12 d late
← 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 23 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 6 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€693▲ 72.1%
2024 · -€2,482
Total assets
€135,697▼ 6.4%
2024 · €145,045
Net result
€1,789
2024 · -€16,515
Working capital
€14,790▼ 3.4%
2024 · €15,312
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€3,804€8,425-€2,943-€12,345▼ 320%€6,085
Net result-€6,028below the sector's middle half€4,521within the sector's middle half-€7,398below the sector's middle half-€16,515below the sector's middle half▼ 123%€1,789within the sector's middle half
Equity€16,910within the sector's middle half▼ 26.3%€21,431within the sector's middle half▲ 26.7%€14,033within the sector's middle half▼ 34.5%-€2,482below the sector's middle half-€693below the sector's middle half▲ 72.1%
Total assets€159,190within the sector's middle half▲ 0.9%€181,370within the sector's middle half▲ 13.9%€153,904within the sector's middle half▼ 15.1%€145,045within the sector's middle half▼ 5.8%€135,697within the sector's middle half▼ 6.4%
Debt€142,279▲ 5.5%€159,938▲ 12.4%€139,871▼ 12.5%€147,527▲ 5.5%€136,390▼ 7.5%
Working capital€33,081within the sector's middle half▼ 12.8%€38,778within the sector's middle half▲ 17.2%€32,098within the sector's middle half▼ 17.2%€15,312within the sector's middle half▼ 52.3%€14,790within the sector's middle half▼ 3.4%
Solvency10.6%within the sector's middle half▼ 3.9pp11.8%within the sector's middle half▲ 1.2pp9.1%within the sector's middle half▼ 2.7pp-1.7%below the sector's middle half▼ 10.8pp-0.5%below the sector's middle half▲ 1.2pp
Current ratio1.27within the sector's middle half▼ 0.061.28within the sector's middle half▲ 0.011.27within the sector's middle half▼ 0.011.12within the sector's middle half▼ 0.151.13within the sector's middle half▲ 0.01
Return on assets (ROA)-3.8%below the sector's middle half▼ 10.4pp2.5%within the sector's middle half▲ 6.3pp-4.8%below the sector's middle half▼ 7.3pp-11.4%below the sector's middle half▼ 6.6pp1.3%within the sector's middle half▲ 12.7pp
Staff (FTE)0.1
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 returns to profit in 2025: €6,085 after a loss of €12,345 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135,697
Fixed assets
€4,017 ▲ 103%
Current assets
€131,680 ▼ 8.0%
Equity and liabilities
Equity-€693
Debt€136,390
Equity is negative: debt (€136,390) exceeds the balance-sheet total (€135,697).
Key figures and ratios
EBITDA
€7,303▲
2024 · -€11,545
Cash flow
€3,007▲
2024 · -€15,715
Quick ratio
0.11▼
2024 · 0.14
Interest coverage
1.65▲
2024 · -2.68
Debt ≤ 1 year
€116,890▼
2024 · €127,758
Debt > 1 year
€19,500=
2024 · €19,500
Staff costs
€5,542▲
2024 · €5,457
Equity ratios withheld: equity of -€693 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,379 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit under 5% of the balance sheet
2.4%
went bankrupt
3.2%
stopped otherwise
94%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 1,379 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 | €6,408 | €7,009 | €5,380 | €5,457 | €5,542 | ▲ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,176 | €1,176 | €718 | €800 | €1,218 | ▲ 52.2% |
| Other operating charges640/8 | €1,892 | €1,978 | €749 | €858 | €2,500 | ▲ 191% |
| Gross operating margin9900 | €5,672 | €18,588 | €3,903 | -€5,229 | €15,345 | ▲ 393% |
| Operating profit (loss)9901 | -€3,804 | €8,425 | -€2,943 | -€12,345 | €6,085 | ▲ 149% |
| Financial income75/76B | €301 | €134 | €134 | €132 | €131 | ▼ 0.7% |
| Recurring financial income75 | €301 | €134 | €134 | €132 | €131 | ▼ 0.7% |
| Financial charges65/66B | €2,525 | €4,038 | €4,589 | €4,302 | €4,427 | ▲ 2.9% |
| Recurring financial charges65 | €2,525 | €4,038 | €4,589 | €4,302 | €4,427 | ▲ 2.9% |
| Profit (loss) for the period before taxes9903 | -€6,028 | €4,521 | -€7,398 | -€16,515 | €1,789 | ▲ 111% |
| Profit (loss) for the period9904 | -€6,028 | €4,521 | -€7,398 | -€16,515 | €1,789 | ▲ 111% |
| Profit (loss) for the period to be appropriated9905 | -€6,028 | €4,521 | -€7,398 | -€16,515 | €1,789 | ▲ 111% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €159,190 | €181,370 | €153,904 | €145,045 | €135,697 | ▼ 6.4% |
| Fixed assets21/28 | €3,329 | €2,153 | €1,435 | €1,975 | €4,017 | ▲ 103% |
| Tangible fixed assets22/27 | €3,329 | €2,153 | €1,435 | €1,975 | €4,017 | ▲ 103% |
| Plant, machinery and equipment23 | - | - | - | €1,257 | €1,183 | ▼ 5.9% |
| Other tangible fixed assets26 | €3,329 | €2,153 | €1,435 | €718 | €2,834 | ▲ 295% |
| Current assets29/58 | €155,860 | €179,217 | €152,469 | €143,071 | €131,680 | ▼ 8.0% |
| Stocks and contracts in progress3 | €131,628 | €154,387 | €137,302 | €124,564 | €118,666 | ▼ 4.7% |
| Stocks30/36 | €131,628 | €154,387 | €137,302 | €124,564 | €118,666 | ▼ 4.7% |
| Amounts receivable within one year40/41 | €829 | €12,865 | €5,189 | €350 | €0 | ▼ 100% |
| Trade receivables40 | €454 | €12,515 | €5,139 | €350 | €0 | ▼ 100% |
| Other amounts receivable41 | €375 | €350 | €49 | - | - | - |
| Current investments50/53 | €1 | €1 | €1 | - | - | - |
| Cash at bank and in hand54/58 | €23,104 | €11,964 | €9,702 | €18,157 | €12,724 | ▼ 29.9% |
| Deferred charges and accrued income490/1 | €297 | - | €275 | - | €291 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €159,190 | €181,370 | €153,904 | €145,045 | €135,697 | ▼ 6.4% |
| Equity10/15 | €16,910 | €21,431 | €14,033 | -€2,482 | -€693 | ▲ 72.1% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €28,746 | €28,746 | €28,746 | €28,746 | €28,746 | = |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | €26,746 | €26,746 | €26,746 | €26,746 | €26,746 | = |
| Profit (loss) carried forward14 | -€31,836 | -€27,315 | -€34,713 | -€51,228 | -€49,439 | ▲ 3.5% |
| Amounts payable17/49 | €142,279 | €159,938 | €139,871 | €147,527 | €136,390 | ▼ 7.5% |
| Amounts payable after more than one year17 | €19,500 | €19,500 | €19,500 | €19,500 | €19,500 | = |
| Financial debts170/4 | €19,500 | €19,500 | €19,500 | €19,500 | - | - |
| Other amounts payable178/9 | - | - | - | - | €19,500 | - |
| Amounts payable within one year42/48 | €122,779 | €140,438 | €120,371 | €127,758 | €116,890 | ▼ 8.5% |
| Financial debts43 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Credit institutions430/8 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Trade debts44 | €6,031 | €16,783 | €770 | €7,839 | €1,326 | ▼ 83.1% |
| Suppliers440/4 | €6,031 | €16,783 | €770 | €7,839 | €1,326 | ▼ 83.1% |
| Taxes, remuneration and social security45 | €10,017 | €11,358 | €9,429 | €7,605 | €7,100 | ▼ 6.6% |
| Taxes450/3 | €8,050 | €10,982 | €9,097 | €7,463 | €7,100 | ▼ 4.9% |
| Remuneration and social security454/9 | €1,967 | €376 | €331 | €142 | €0 | ▼ 100% |
| Other amounts payable47/48 | €56,731 | €62,298 | €60,172 | €62,314 | €58,465 | ▼ 6.2% |
| Accrued charges and deferred income492/3 | - | - | - | €269 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,028 | €4,521 | -€7,398 | -€16,515 | €1,789 | ▲ 111% |
| + Depreciation and write-downs630 | €1,176 | €1,176 | €718 | €800 | €1,218 | ▲ 52.2% |
| Operating cash flow (approximation) | -€4,852 | €5,698 | -€6,681 | -€15,715 | €3,007 | ▲ 119% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,340 | -€3,260 | ▼ 143% |
| Change in cash | - | -€11,141 | -€2,262 | €8,455 | -€5,433 | ▼ 164% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1,789
Net result €1,789 after 2 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€16,515
Net result drops to -€16,515, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €4,521
Net result €4,521 after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €10,458 ▲618%
Operating result €17,715, net result €10,458, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Heist-op-den-Berg · 1 establishment unit since 2014
Ground area
489 m²
Building footprint
297 m²
Volume, LiDAR
1,007 m³
Parcel 12322I0479/00Y004, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bell'Ami
since 20142.234.911.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0479/00Y004 | Flanders | 489 m² | 1 · 297 m² | 8.4 m · 1 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,215 companies in this sector we hold annual accounts for 888. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded09-09-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47120Other non-specialised retail sale
47715Retail trade
47722Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0561888138
Also
9925:BE0561888138
Registered
13-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.