Bijouterie Depaepe
ActiveBijouterie Depaepe has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €238k and a net result of €28k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-7
Solvency93▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 1.94 in 2024), but 52% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
48%
Return on assets
5.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
6 d late
2022
9 d late
2021
30 d late
2020
60 d late
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€238k▲ 12.3%
2024 · €212k
2019: €120k
2020: €71k
2021: €176k
2022: €210k
2023: €185k
2024: €212k
2019 → 2025
Total assets
€496k▲ 2.7%
2024 · €483k
2019: €460k
2020: €399k
2021: €466k
2022: €453k
2023: €435k
2024: €483k
2019 → 2025
Net result
€28k▲ 0.3%
2024 · €28k
2019: €-19k
2020: €-49k
2021: €104k
2022: €34k
2023: €-25k
2024: €28k
2019 → 2025
Working capital
€248k▲ 18.9%
2024 · €209k
2019: €112k
2020: €66k
2021: €175k
2022: €210k
2023: €192k
2024: €209k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€210k▲ 19.5%€185k▼ 11.7%€212k▲ 14.5%€238k▲ 12.3%
Operating result€111k-€42k▼ 62.1%€-20k€39k€42k▲ 8.8%
Net result€104k-€34k▼ 67.2%€-25k€28k€28k▲ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€41k▼ 21.2%
Current assets
€455k▲ 5.6%
Equity and liabilities €496k
Equity
€238k▲ 12.3%
Debt
€258k▼ 4.8%
The debt ratio falls from 56.1% to 52.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€54k▲
2024 · €48k
Cash flow
€40k▲
2024 · €37k
Solvency
48.0%▲
2024 · 43.9%
Current ratio
2.20▲
2024 · 1.94
Quick ratio
0.24▲
2024 · 0.17
Debt / equity
1.08▼
2024 · 1.28
ROE
11.6%▼
2024 · 13.0%
ROA
5.6%▼
2024 · 5.7%
Interest coverage
4.18▼
2024 · 4.40
Debt
€258k▼
2024 · €271k
Debt ≤ 1 year
€207k▼
2024 · €222k
Debt > 1 year
€20k▼
2024 · €28k
Income taxes
€3k
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€483k€496k▲
Fixed assets21/28€52k€41k▼
Tangible fixed assets22/27€52k€41k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€35k€28k▼
Current assets29/58€431k€455k▲
Stocks and contracts in progress3€393k€407k▲
Stocks30/36€393k€407k▲
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40-€3k
Other amounts receivable41€2k€6k▲
Current investments50/53€10k€30k▲
Cash at bank and in hand54/58€24k€7k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€483k€496k▲
Equity10/15€212k€238k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€148k€175k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€128k€156k▲
Profit (loss) carried forward14€2k€533▼
Amounts payable17/49€271k€258k▼
Amounts payable after more than one year17€28k€20k▼
Financial debts170/4€28k€20k▼
Amounts payable within one year42/48€222k€207k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€37k€14k▼
Suppliers440/4€37k€14k▼
Advances received on contracts in progress46€252-
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€2k€7k▲
Remuneration and social security454/9€6k-
Other amounts payable47/48€170k€178k▲
Accrued charges and deferred income492/3€20k€31k▲
Income statement
Code20242025
Remuneration, social security and pensions62€40k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€89k€59k▼
Operating profit (loss)9901€39k€42k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€28k€30k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€28k€28k▲
Profit (loss) for the period to be appropriated9905€28k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€30k▲
Profit (loss) brought forward from the previous period14P€-25k€2k▲
Transfer to equity691/2-€28k
To other reserves6921-€28k
Profit to be distributed694/7€833€2k▲
Return on contributions (dividend)694€833€2k▲
The notes to these accounts (5 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
31-03
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-03
Financial
Equity above €200kEq €212k ▲14.5%
Equity rises from €185k to €212k.
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
31-03
Financial
Equity above €200kEq €210k ▲19.5%
2 profitable years in a row build equity to €210k.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
31-03
Financial
Back to profitnet €104k
Net result €104k after 2 loss-making years.
31-03
Financial
Equity above €150kEq €176k ▲146%
Equity rises from €71k to €176k.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
31-03
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2018
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Mouscron · 1 establishment unit since 1966
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.
Marktplein 367700 MouscronGround area
319 m²
Building footprint
112 m²
Parcel 54432C0056/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Marktplein 36, 7700 Mouscron
since 19662.001.211.354
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54432C0056/00F000 | Wallonia | 319 m² | 1 · 112 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
LIETARD d'HAUGRY
BE 0426.013.112
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CASA FIORI
BE 0454.884.963
Bree · Eq €239k
EUGENOR
BE 0466.395.893
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RAFAELOV
BE 0536.364.963
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LAURENT JEWELS
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Of 2,006 companies in sector 47770 we hold annual accounts for 892. 677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end31-03
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.