Bella Moda
ActiveSummary
Bella Moda has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82,114 and a net result of €1,025. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability41▼-8
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 27.94 against 6.34 in 2024; short-term debt: 3.6% and cash: 38.1% of total assets), and 3.6% 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
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 →
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 2025Solvency, return and age of the figures
Solvency
96.4%
Return on assets
1.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
31 d late
2023
39 d late
2022
36 d late
2021
72 d late
2020
86 d late
2019
41 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 47 days after 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 5 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€33,063
EBIT margin
26.8%
Net result
€1,025▼ 76.3%
2024 · €4,323
Working capital
€82,114▲ 1.3%
2024 · €81,090
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€13,384▼ 35.1%€21,839▲ 63.2%€12,696▼ 41.9%€7,079▼ 44.2%€2,246▼ 68.3%
Net result€12,299within the sector's middle half▼ 37.8%€18,632within the sector's middle half▲ 51.5%€9,372within the sector's middle half▼ 49.7%€4,323within the sector's middle half▼ 53.9%€1,025within the sector's middle half▼ 76.3%
EBIT margin
Equity€48,763within the sector's middle half▲ 33.7%€67,395within the sector's middle half▲ 38.2%€76,767within the sector's middle half▲ 13.9%€81,090within the sector's middle half▲ 5.6%€82,114within the sector's middle half▲ 1.3%
Total assets€66,023within the sector's middle half▲ 16.6%€88,909within the sector's middle half▲ 34.7%€95,409within the sector's middle half▲ 7.3%€96,273within the sector's middle half▲ 0.9%€85,163within the sector's middle half▼ 11.5%
Debt€17,260▼ 14.5%€21,514▲ 24.6%€18,643▼ 13.3%€15,183▼ 18.6%€3,048▼ 79.9%
Working capital€48,763within the sector's middle half▲ 33.7%€67,395within the sector's middle half▲ 38.2%€76,767within the sector's middle half▲ 13.9%€81,090within the sector's middle half▲ 5.6%€82,114within the sector's middle half▲ 1.3%
Solvency73.9%above the sector's middle half▲ 9.5pp75.8%above the sector's middle half▲ 1.9pp80.5%above the sector's middle half▲ 4.7pp84.2%above the sector's middle half▲ 3.8pp96.4%above the sector's middle half▲ 12.2pp
Current ratio3.83above the sector's middle half▲ 1.024.13above the sector's middle half▲ 0.315.12above the sector's middle half▲ 0.996.34above the sector's middle half▲ 1.2227.94above the sector's middle half▲ 21.60
Return on assets (ROA)18.6%above the sector's middle half▼ 16.3pp21.0%above the sector's middle half▲ 2.3pp9.8%within the sector's middle half▼ 11.1pp4.5%within the sector's middle half▼ 5.3pp1.2%within the sector's middle half▼ 3.3pp
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.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 68% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €85,163
Equity
€82,114 ▲ 1.3%
Debt
€3,048 ▼ 79.9%
Debt's share of the balance-sheet total falls from 15.8% to 3.6%. Equity is higher and debt is lower.
Key figures and ratios
Quick ratio
20.89▲
2024 · 5.00
Debt to equity
0.04▼
2024 · 0.19
ROE
1.2%▼
2024 · 5.3%
Debt ≤ 1 year
€3,048▼
2024 · €15,183
Income taxes
€373▼
2024 · €1,664
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,039 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 17,039 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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €761 | €564 | €1,264 | €507 | €400 | ▼ 21.2% |
| Gross operating margin9900 | €14,145 | €22,404 | €13,960 | €7,586 | €2,646 | ▼ 65.1% |
| Operating profit (loss)9901 | €13,384 | €21,839 | €12,696 | €7,079 | €2,246 | ▼ 68.3% |
| Financial income75/76B | €2,534 | €2,217 | €29 | €2 | €30 | ▲ 1,831% |
| Recurring financial income75 | €2,534 | €2,217 | €29 | €2 | €30 | ▲ 1,831% |
| Financial charges65/66B | €93 | €170 | €1,028 | €1,093 | €878 | ▼ 19.7% |
| Recurring financial charges65 | €93 | €170 | €1,028 | €1,093 | €878 | ▼ 19.7% |
| Profit (loss) for the period before taxes9903 | €15,825 | €23,886 | €11,696 | €5,987 | €1,398 | ▼ 76.7% |
| Income taxes67/77 | €3,527 | €5,254 | €2,324 | €1,664 | €373 | ▼ 77.6% |
| Profit (loss) for the period9904 | €12,299 | €18,632 | €9,372 | €4,323 | €1,025 | ▼ 76.3% |
| Profit (loss) for the period to be appropriated9905 | €12,299 | €18,632 | €9,372 | €4,323 | €1,025 | ▼ 76.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €66,023 | €88,909 | €95,409 | €96,273 | €85,163 | ▼ 11.5% |
| Current assets29/58 | €66,023 | €88,909 | €95,409 | €96,273 | €85,163 | ▼ 11.5% |
| Stocks and contracts in progress3 | €13,505 | €20,732 | €25,565 | €20,350 | €21,488 | ▲ 5.6% |
| Stocks30/36 | €13,505 | €20,732 | €25,565 | €20,350 | €21,488 | ▲ 5.6% |
| Amounts receivable within one year40/41 | €46,049 | €46,879 | €0 | - | €31,250 | - |
| Trade receivables40 | €11,150 | €11,150 | €0 | - | €220 | - |
| Other amounts receivable41 | €34,899 | €35,729 | €0 | - | €31,030 | - |
| Cash at bank and in hand54/58 | €6,469 | €21,297 | €69,844 | €75,922 | €32,425 | ▼ 57.3% |
| Deferred charges and accrued income490/1 | €0 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €66,023 | €88,909 | €95,409 | €96,273 | €85,163 | ▼ 11.5% |
| Equity10/15 | €48,763 | €67,395 | €76,767 | €81,090 | €82,114 | ▲ 1.3% |
| Contributions10/11 | €6,201 | €6,201 | €6,201 | €6,201 | €6,201 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €40,703 | €59,334 | €68,706 | €73,029 | €74,054 | ▲ 1.4% |
| Amounts payable17/49 | €17,260 | €21,514 | €18,643 | €15,183 | €3,048 | ▼ 79.9% |
| Amounts payable within one year42/48 | €17,260 | €21,514 | €18,643 | €15,183 | €3,048 | ▼ 79.9% |
| Trade debts44 | €441 | €87 | €56 | €545 | €180 | ▼ 67.0% |
| Suppliers440/4 | €441 | €87 | €56 | €545 | €180 | ▼ 67.0% |
| Taxes, remuneration and social security45 | €4,819 | €9,427 | €6,587 | €2,638 | €2,869 | ▲ 8.7% |
| Taxes450/3 | €4,819 | €9,427 | €6,587 | €2,638 | €2,869 | ▲ 8.7% |
| Other amounts payable47/48 | €12,000 | €12,000 | €12,000 | €12,000 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,299 | €18,632 | €9,372 | €4,323 | €1,025 | ▼ 76.3% |
| Operating cash flow (approximation) | €12,299 | €18,632 | €9,372 | €4,323 | €1,025 | ▼ 76.3% |
| Change in cash | - | €14,828 | €48,547 | €6,078 | -€43,497 | ▼ 816% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €1,025 ▼76.3%
Net result drops to €1,025, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 27.94
Current ratio from 6.34 to 27.94; short-term debt falls from €15,183 to €3,048.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
08-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 39 days late
2023
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-12
Financial
Highest result since 2018net €19,763 ▲255%
Net result €19,763, the highest in the series.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 155 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 2 establishment units since 2006
Ground area
369 m²
Building footprint
367 m²
Volume, LiDAR
2,900 m³
2 parcels, Brussels · tallest building 15.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Wayezstraat 102, 1070 Anderlecht
since 20062.151.427.138
MAXY Shoe Discount
since 20112.197.739.589
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0599/00W008 | Brussels | 194 m² | 1 · 195 m² | 15.4 m · 2 fl. |
| 21001A0571/00X000 | Brussels | 174 m² | 1 · 173 m² | 15.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 6,495 companies in sector 47716 we hold annual accounts for 2,440. 1,907 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
Founded20-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47715Retail trade
47721Retail sale of footwear
47722Retail trade
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0878781594
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.