Chère Lucie
ActiveChère Lucie has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €8k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+56
Solvency67▼-16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 2.47 in 2024; short-term debt: 29.3% and cash: 31.9% of total assets), but 57.6% 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
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
42.4%
Return on assets
11.5%
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 30-08-2026, 30 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
30 d late
2024
28 d late
2023
13 d late
2022
31 d late
2021
25 d late
2020
31 d late
2019
70 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 37.2%
2024 · €22k
2018: €-2k
2019: €-2k
2020: €7k
2021: €14k
2022: €23k
2023: €23k
2024: €22k
2018 → 2025
Total assets
€70k▲ 88.2%
2024 · €37k
2018: €17k
2019: €15k
2020: €20k
2021: €33k
2022: €44k
2023: €34k
2024: €37k
2018 → 2025
Net result
€8k
2024 · €-1k
2018: €-371
2019: €-72
2020: €9k
2021: €7k
2022: €9k
2023: €201
2024: €-1k
2018 → 2025
Working capital
€25k▲ 51.6%
2024 · €16k
2018: €-3k
2019: €-3k
2020: €6k
2021: €2k
2022: €18k
2023: €20k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€23k▲ 66.6%€23k▲ 0.9%€22k▼ 6.2%€30k▲ 37.2%
Operating result€10k-€15k▲ 44.1%€2k▼ 86.1%€737▼ 64.2%€13k▲ 1,636%
Net result€7k-€9k▲ 34.2%€201▼ 97.8%€-1k€8k
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 1,636% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€25k▲ 151%
Current assets
€45k▲ 65.5%
Equity and liabilities €70k
Equity
€30k▲ 37.2%
Debt
€40k▲ 159%
The debt ratio rises from 41.8% to 57.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €4k
Cash flow
€11k▲
2024 · €2k
Solvency
42.4%▼
2024 · 58.2%
Current ratio
2.20▼
2024 · 2.47
Quick ratio
1.50▲
2024 · 1.19
Debt / equity
1.36▲
2024 · 0.72
ROE
27.1%▲
2024 · -6.6%
ROA
11.5%▲
2024 · -3.9%
Interest coverage
5.86▲
2024 · 1.49
Debt
€40k▲
2024 · €16k
Debt ≤ 1 year
€21k▲
2024 · €11k
Debt > 1 year
€20k▲
2024 · €5k
Income taxes
€3k▲
2024 · €30
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€37k€70k▲
Fixed assets21/28€10k€25k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€10k€25k▲
Furniture and vehicles24€10k€25k▲
Current assets29/58€27k€45k▲
Amounts receivable after more than one year29€45€45=
Other amounts receivable291€45€45=
Stocks and contracts in progress3€14k€14k▲
Stocks30/36€14k€14k▲
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€0€6k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€11k€22k▲
Deferred charges and accrued income490/1€0€809▲
Equity and liabilities
Total equity and liabilities10/49€37k€70k▲
Equity10/15€22k€30k▲
Contributions10/11€6k€6k=
Reserves13€15k€23k▲
Distributable reserves133€15k€23k▲
Profit (loss) carried forward14€875€945▲
Amounts payable17/49€16k€40k▲
Amounts payable after more than one year17€5k€20k▲
Financial debts170/4€5k€20k▲
Amounts payable within one year42/48€11k€21k▲
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€84€3k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€6k€20k▲
Operating profit (loss)9901€737€13k▲
Financial income75/76B€382€1k▲
Recurring financial income75€382€1k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-1k€11k▲
Income taxes67/77€30€3k▲
Profit (loss) for the period9904€-1k€8k▲
Profit (loss) for the period to be appropriated9905€-1k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€875€9k▲
Profit (loss) brought forward from the previous period14P€2k€875▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
The notes to these accounts (11 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-1k ▼819%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €9k ▲34.2%
Operating result €15k, net result €9k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Esneux · 1 establishment unit since 2011
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.
Avenue Laboulle 494130 EsneuxGround area
272 m²
Building footprint
86 m²
Volume, LiDAR
833 m³
Parcel 62101D0461/00Z000, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
"Chère Lucie"
since 20112.198.780.162
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101D0461/00Z000 | Wallonia | 272 m² | 1 · 86 m² | 11.9 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEsneux2.198.780.162
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 4,428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2011
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.