BONNES-AMIES
ActiveBONNES-AMIES has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €38k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+3
Solvency90▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 5.62 against 2.61 in 2024; short-term debt: 9.7% and cash: 27.9% of total assets), and 34.7% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 47
higher
← 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
65.3%
Return on assets
11.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
35 d early
2023
40 d early
2022
43 d early
2021
5 d early
2020
31 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€212k▲ 9.7%
2024 · €193k
2019: €83k
2020: €98k
2021: €116k
2022: €121k
2023: €164k
2024: €193k
2019 → 2025
Total assets
€324k▼ 15.5%
2024 · €384k
2019: €443k
2020: €427k
2021: €348k
2022: €346k
2023: €381k
2024: €384k
2019 → 2025
Net result
€38k▲ 10.4%
2024 · €34k
2019: €19k
2020: €16k
2021: €17k
2022: €6k
2023: €43k
2024: €34k
2019 → 2025
Working capital
€145k▲ 6.6%
2024 · €136k
2019: €66k
2020: €57k
2021: €74k
2022: €77k
2023: €114k
2024: €136k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€121k▲ 4.8%€164k▲ 35.2%€193k▲ 17.7%€212k▲ 9.7%
Operating result€31k-€14k▼ 55.2%€63k▲ 363%€52k▼ 17.8%€58k▲ 11.5%
Net result€17k-€6k▼ 67.9%€43k▲ 666%€34k▼ 20.1%€38k▲ 10.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€148k▼ 9.3%
Current assets
€176k▼ 20.1%
Equity and liabilities €324k
Equity
€212k▲ 9.7%
Debt
€113k▼ 40.9%
The debt ratio falls from 49.7% to 34.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €69k
Cash flow
€52k▲
2024 · €51k
Solvency
65.3%▲
2024 · 50.3%
Current ratio
5.62▲
2024 · 2.61
Quick ratio
4.91▲
2024 · 0.41
Debt / equity
0.53▼
2024 · 0.99
ROE
17.8%▲
2024 · 17.7%
ROA
11.6%▲
2024 · 8.9%
Interest coverage
19.37▲
2024 · 14.12
Debt
€113k▼
2024 · €191k
Debt ≤ 1 year
€31k▼
2024 · €85k
Debt > 1 year
€81k▼
2024 · €106k
Income taxes
€18k▲
2024 · €17k
Staff costs
€42k▼
2024 · €57k
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€384k€324k▼
Fixed assets21/28€163k€148k▼
Tangible fixed assets22/27€163k€148k▼
Land and buildings22€163k€148k▼
Plant, machinery and equipment23€33€0▼
Furniture and vehicles24€502€0▼
Current assets29/58€221k€176k▼
Stocks and contracts in progress3€186k€22k▼
Stocks30/36€186k€22k▼
Amounts receivable within one year40/41€323€64k▲
Trade receivables40€75€0▼
Other amounts receivable41€248€64k▲
Cash at bank and in hand54/58€32k€90k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€384k€324k▼
Equity10/15€193k€212k▲
Contributions10/11€19k€19k=
Reserves13€173k€193k▲
Distributable reserves133€173k€193k▲
Profit (loss) carried forward14€1k€199▼
Amounts payable17/49€191k€113k▼
Amounts payable after more than one year17€106k€81k▼
Financial debts170/4€106k€81k▼
Amounts payable within one year42/48€85k€31k▼
Current portion of amounts payable after more than one year42€24k€24k▲
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€41k€2k▼
Taxes450/3€30k€2k▼
Remuneration and social security454/9€10k€0▼
Other amounts payable47/48€8k€2k▼
Accrued charges and deferred income492/3€453€0▼
Income statement
Code20242025
Non-recurring operating income76A-€128k
Remuneration, social security and pensions62€57k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k€14k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€141k€132k▼
Operating profit (loss)9901€52k€58k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€51k€56k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€34k€38k▲
Profit (loss) for the period to be appropriated9905€34k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€39k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2€5k€18k▲
Transfer to equity691/2€34k€38k▲
To other reserves6921€34k€38k▲
Profit to be distributed694/7€5k€19k▲
Return on contributions (dividend)694€5k€19k▲
The notes to these accounts (14 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
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 5.62
Current ratio from 2.61 to 5.62; short-term debt falls from €85k to €31k.
30-06
Financial
Equity above €200kEq €212k ▲9.7%
7 profitable years in a row build equity to €212k.
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €43k ▲666%
Operating result €63k, net result €43k, both a record.
30-06
Financial
Equity above €150kEq €164k ▲35.2%
5 profitable years in a row build equity to €164k.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €6k ▼67.9%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €116k ▲17.6%
3 profitable years in a row build equity to €116k.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
17-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Deinze · 1 establishment unit since 2010
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.
Tolpoortstraat 479800 DeinzeGround area
937 m²
Building footprint
442 m²
Volume, LiDAR
2,197 m³
Parcel 44011B0813/00A000, Flanders · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BELLES-AMIES
since 20102.193.362.515
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44011B0813/00A000 | Flanders | 937 m² | 1 · 442 m² | 13.2 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 2,211 companies in sector 47711 we hold annual accounts for 889. 641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2010
Fiscal year end30-06
Activities, NACEBEL
47711Retail sale of women's outerwear
47712Retail trade
47713Retail trade
47714Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.