BIJOUTERIE MEUNIER
ActiveBIJOUTERIE MEUNIER has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €632k and a net result of €101k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-1
Solvency70▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.5 in 2024; short-term debt: 43.1% and cash: 1.7% of total assets), and 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
44.6%
Return on assets
7.1%
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 20-08-2026, 20 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
20 d late
2024
25 d late
2023
27 d late
2022
4 d early
2021
18 d late
2020
31 d late
2019
10 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€632k▲ 2.9%
2024 · €614k
2018: €308k
2019: €349k
2020: €432k
2021: €485k
2022: €504k
2023: €552k
2024: €614k
2018 → 2025
Total assets
€1.42M▲ 19.8%
2024 · €1.18M
2018: €962k
2019: €934k
2020: €975k
2021: €1.07M
2022: €1.13M
2023: €1.15M
2024: €1.18M
2018 → 2025
Net result
€101k▲ 0.1%
2024 · €101k
2018: €15k
2019: €41k
2020: €83k
2021: €79k
2022: €37k
2023: €63k
2024: €101k
2018 → 2025
Working capital
€238k▼ 11.6%
2024 · €269k
2018: €-18k
2019: €17k
2020: €105k
2021: €164k
2022: €162k
2023: €208k
2024: €269k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€485k-€504k▲ 3.8%€552k▲ 9.6%€614k▲ 11.2%€632k▲ 2.9%
Operating result€133k-€72k▼ 46.0%€117k▲ 63.2%€154k▲ 31.7%€159k▲ 3.5%
Net result€79k-€37k▼ 52.7%€63k▲ 68.1%€101k▲ 60.7%€101k▲ 0.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€569k▲ 51.1%
Current assets
€848k▲ 5.2%
Equity and liabilities €1.42M
Equity
€632k▲ 2.9%
Debt
€786k▲ 38.1%
The debt ratio rises from 48.1% to 55.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€203k▲
2024 · €196k
Cash flow
€145k▲
2024 · €142k
Solvency
44.6%▼
2024 · 51.9%
Current ratio
1.39▼
2024 · 1.50
Quick ratio
0.08▲
2024 · 0.06
Debt / equity
1.24▲
2024 · 0.93
ROE
16.0%▼
2024 · 16.4%
ROA
7.1%▼
2024 · 8.5%
Interest coverage
18.92▼
2024 · 31.92
Debt
€786k▲
2024 · €569k
Debt ≤ 1 year
€610k▲
2024 · €537k
Debt > 1 year
€175k▲
2024 · €32k
Income taxes
€48k▲
2024 · €48k
Staff costs
€54k▼
2024 · €79k
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€1.18M€1.42M▲
Fixed assets21/28€377k€569k▲
Tangible fixed assets22/27€376k€338k▼
Land and buildings22€149k€121k▼
Plant, machinery and equipment23€41k€40k▼
Furniture and vehicles24€20k€12k▼
Other tangible fixed assets26€166k€166k=
Financial fixed assets28€908€231k▲
Current assets29/58€806k€848k▲
Stocks and contracts in progress3€775k€798k▲
Stocks30/36€775k€798k▲
Amounts receivable within one year40/41-€21k
Other amounts receivable41-€21k
Cash at bank and in hand54/58€29k€25k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.42M▲
Equity10/15€614k€632k▲
Contributions10/11€184k€184k=
Reserves13€372k€390k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€367k€385k▲
Profit (loss) carried forward14€58k€58k=
Amounts payable17/49€569k€786k▲
Amounts payable after more than one year17€32k€175k▲
Financial debts170/4€32k€175k▲
Amounts payable within one year42/48€537k€610k▲
Current portion of amounts payable after more than one year42€48k€83k▲
Trade debts44€78k€88k▲
Suppliers440/4€78k€88k▲
Taxes, remuneration and social security45€75k€59k▼
Taxes450/3€65k€48k▼
Remuneration and social security454/9€10k€12k▲
Other amounts payable47/48€337k€380k▲
Accrued charges and deferred income492/3€464€464=
Income statement
Code20242025
Remuneration, social security and pensions62€79k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€44k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€281k€264k▼
Operating profit (loss)9901€154k€159k▲
Financial income75/76B€582€74▼
Recurring financial income75€582€74▼
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€148k€149k▲
Income taxes67/77€48k€48k▲
Profit (loss) for the period9904€101k€101k▲
Profit (loss) for the period to be appropriated9905€101k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€159k€159k▲
Profit (loss) brought forward from the previous period14P€58k€58k=
Transfer from equity791/2€39k€83k▲
Transfer to equity691/2€101k€101k▲
To the legal reserve6920€101k€101k▲
Profit to be distributed694/7€39k€83k▲
Return on contributions (dividend)694€39k€83k▲
The notes to these accounts (9 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €101k ▲0.1%
Operating result €159k, net result €101k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €504k ▲3.8%
5 profitable years in a row build equity to €504k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Arlon · 1 establishment unit since 1974
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.
Grand-Rue 456700 ArlonGround area
219 m²
Building footprint
104 m²
Volume, LiDAR
1,419 m³
Parcel 81001A0202/00C000, Wallonia · tallest building 15.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Grand-Rue 45, 6700 Arlon
since 19742.009.288.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81001A0202/00C000 | Wallonia | 219 m² | 1 · 104 m² | 15.4 m · 5 fl. |
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.
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Of 2,017 companies in sector 47770 we hold annual accounts for 898. 588 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-1973
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
52730
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bijouteriemeunier.be
E-mail:infos@bijouteriemeunier.be