Chloé
ActiveSummary
Chloé has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €29k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability61▲+13
Solvency47▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.07 in 2024; short-term debt: 71.6% and cash: 6.3% of total assets), and 77.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
22.3%
Return on assets
4.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
6 d early
2023
29 d early
2022
19 d early
2021
24 d late
2020
23 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€148k▲ 24.5%
2024 · €119k
2020: €25klowest in 6 years
2021: €63k▲ +151% vs 2020
2022: €86k▲ +36.1% vs 2021
2023: €105k▲ +21.6% vs 2022
2024: €119k▲ +13.4% vs 2023
2025: €148k▲ +24.5% vs 2024highest in 6 years
2020 → 2025
Total assets
€661k▼ 3.0%
2024 · €682k
2020: €538klowest in 6 years
2021: €569k▲ +5.8% vs 2020
2022: €621k▲ +9.1% vs 2021
2023: €676k▲ +9.0% vs 2022
2024: €682k▲ +0.8% vs 2023highest in 6 years
2025: €661k▼ -3.0% vs 2024
2020 → 2025
Net result
€29k▲ 107%
2024 · €14k
2020: €5klowest in 6 years
2021: €38k▲ +627% vs 2020highest in 6 years
2022: €23k▼ -40.0% vs 2021
2023: €19k▼ -18.6% vs 2022
2024: €14k▼ -24.3% vs 2023
2025: €29k▲ +107% vs 2024
2020 → 2025
Working capital
€63k▲ 81.7%
2024 · €34k
2020: €-50klowest in 6 years
2021: €31k▲ +162% vs 2020
2022: €35k▲ +14.0% vs 2021
2023: €27k▼ -23.7% vs 2022
2024: €34k▲ +28.6% vs 2023
2025: €63k▲ +81.7% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€86k▲ 36.1%€105k▲ 21.6%€119k▲ 13.4%€148k▲ 24.5%
2021: €63klowest in 5 years
2022: €86k▲ +36.1% vs 2021
2023: €105k▲ +21.6% vs 2022
2024: €119k▲ +13.4% vs 2023
2025: €148k▲ +24.5% vs 2024highest in 5 years
Operating result€41k-€50k▲ 21.8%€32k▼ 35.6%€31k▼ 3.7%€42k▲ 35.2%
2021: €41k
2022: €50k▲ +21.8% vs 2021highest in 5 years
2023: €32k▼ -35.6% vs 2022
2024: €31k▼ -3.7% vs 2023lowest in 5 years
2025: €42k▲ +35.2% vs 2024
Net result€38k-€23k▼ 40.0%€19k▼ 18.6%€14k▼ 24.3%€29k▲ 107%
2021: €38khighest in 5 years
2022: €23k▼ -40.0% vs 2021
2023: €19k▼ -18.6% vs 2022
2024: €14k▼ -24.3% vs 2023lowest in 5 years
2025: €29k▲ +107% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€125k ▼ 17.1%
Current assets
€536k ▲ 1.0%
Equity and liabilities €661k
Equity
€148k ▲ 24.5%
Debt
€514k ▼ 8.8%
Debt's share of the balance-sheet total falls from 82.6% to 77.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €64k
Cash flow
€62k▲
2024 · €47k
Current ratio
1.13▲
2024 · 1.07
Quick ratio
0.10▲
2024 · 0.08
Debt to equity
3.48▼
2024 · 4.75
ROE
19.7%▲
2024 · 11.8%
ROA
4.4%▲
2024 · 2.1%
Interest coverage
4.43▲
2024 · 3.22
Debt ≤ 1 year
€474k▼
2024 · €496k
Debt > 1 year
€32k▼
2024 · €57k
Income taxes
€10k▲
2024 · €6k
Staff costs
€103k▲
2024 · €95k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€682k€661k▼
Fixed assets21/28€151k€125k▼
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€144k€120k▼
Plant, machinery and equipment23€1k€82▼
Furniture and vehicles24€1k€6k▲
Other tangible fixed assets26€142k€114k▼
Current assets29/58€531k€536k▲
Stocks and contracts in progress3€491k€490k▼
Stocks30/36€491k€490k▼
Amounts receivable within one year40/41€8k€5k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€31k€42k▲
Deferred charges and accrued income490/1€358-
Equity and liabilities
Total equity and liabilities10/49€682k€661k▼
Equity10/15€119k€148k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€99k€128k▲
Amounts payable17/49€563k€514k▼
Amounts payable after more than one year17€57k€32k▼
Financial debts170/4€57k€32k▼
Amounts payable within one year42/48€496k€474k▼
Current portion of amounts payable after more than one year42€49k€26k▼
Financial debts43€62k€60k▼
Credit institutions430/8€62k€60k▼
Trade debts44€108k€106k▼
Suppliers440/4€108k€106k▼
Advances received on contracts in progress46€19k-
Taxes, remuneration and social security45€43k€71k▲
Taxes450/3€28k€50k▲
Remuneration and social security454/9€15k€20k▲
Other amounts payable47/48€216k€212k▼
Accrued charges and deferred income492/3€10k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€95k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€160k€179k▲
Operating profit (loss)9901€31k€42k▲
Financial income75/76B€9k€14k▲
Recurring financial income75€9k€14k▲
Financial charges65/66B€20k€17k▼
Recurring financial charges65€20k€17k▼
Profit (loss) for the period before taxes9903€20k€39k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€14k€29k▲
Profit (loss) for the period to be appropriated9905€14k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€128k▲
Profit (loss) brought forward from the previous period14P€85k€99k▲
Social balance
Average headcount (FTE)90872.62.9▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €78k | €96k | €106k | €95k | €103k | ▲ 8.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30k | €31k | €32k | €33k | €33k | ▼ 0.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €1k | - | - | - |
| Other operating charges640/8 | €1k | €1k | €1k | €2k | €1k | ▼ 24.6% |
| Gross operating margin9900 | €150k | €178k | €173k | €160k | €179k | ▲ 11.6% |
| Operating profit (loss)9901 | €41k | €50k | €32k | €31k | €42k | ▲ 35.2% |
| Financial income75/76B | €14k | €16k | €8k | €9k | €14k | ▲ 58.9% |
| Recurring financial income75 | €14k | €16k | €8k | €9k | €14k | ▲ 58.9% |
| Financial charges65/66B | €15k | €35k | €15k | €20k | €17k | ▼ 14.8% |
| Recurring financial charges65 | €10k | €7k | €12k | €20k | €17k | ▼ 14.8% |
| Non-recurring financial charges66B | €5k | €27k | €3k | - | - | - |
| Profit (loss) for the period before taxes9903 | €40k | €32k | €25k | €20k | €39k | ▲ 95.6% |
| Income taxes67/77 | €2k | €9k | €7k | €6k | €10k | ▲ 68.0% |
| Profit (loss) for the period9904 | €38k | €23k | €19k | €14k | €29k | ▲ 107% |
| Profit (loss) for the period to be appropriated9905 | €38k | €23k | €19k | €14k | €29k | ▲ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €569k | €621k | €676k | €682k | €661k | ▼ 3.0% |
| Fixed assets21/28 | €234k | €206k | €184k | €151k | €125k | ▼ 17.1% |
| Intangible fixed assets21 | - | €2k | €9k | €7k | €5k | ▼ 31.3% |
| Tangible fixed assets22/27 | €234k | €203k | €175k | €144k | €120k | ▼ 16.4% |
| Plant, machinery and equipment23 | €11k | €7k | €4k | €1k | €82 | ▼ 93.0% |
| Furniture and vehicles24 | €2k | €2k | €1k | €1k | €6k | ▲ 441% |
| Other tangible fixed assets26 | €221k | €194k | €169k | €142k | €114k | ▼ 19.3% |
| Current assets29/58 | €335k | €415k | €492k | €531k | €536k | ▲ 1.0% |
| Stocks and contracts in progress3 | €275k | €357k | €453k | €491k | €490k | ▼ 0.3% |
| Stocks30/36 | €275k | €357k | €453k | €491k | €490k | ▼ 0.3% |
| Amounts receivable within one year40/41 | €2k | €1k | €342 | €8k | €5k | ▼ 39.1% |
| Other amounts receivable41 | €2k | €1k | €342 | €8k | €5k | ▼ 39.1% |
| Cash at bank and in hand54/58 | €56k | €55k | €38k | €31k | €42k | ▲ 33.4% |
| Deferred charges and accrued income490/1 | €2k | €2k | €1k | €358 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €569k | €621k | €676k | €682k | €661k | ▼ 3.0% |
| Equity10/15 | €63k | €86k | €105k | €119k | €148k | ▲ 24.5% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €43k | €66k | €85k | €99k | €128k | ▲ 29.5% |
| Amounts payable17/49 | €506k | €535k | €572k | €563k | €514k | ▼ 8.8% |
| Amounts payable after more than one year17 | €201k | €155k | €106k | €57k | €32k | ▼ 44.7% |
| Financial debts170/4 | €201k | €155k | €106k | €57k | €32k | ▼ 44.7% |
| Amounts payable within one year42/48 | €305k | €380k | €466k | €496k | €474k | ▼ 4.6% |
| Current portion of amounts payable after more than one year42 | €48k | €47k | €48k | €49k | €26k | ▼ 47.5% |
| Financial debts43 | €50k | €50k | €64k | €62k | €60k | ▼ 3.8% |
| Credit institutions430/8 | €50k | €50k | €64k | €62k | €60k | ▼ 3.8% |
| Trade debts44 | €24k | €81k | €114k | €108k | €106k | ▼ 1.8% |
| Suppliers440/4 | €24k | €81k | €114k | €108k | €106k | ▼ 1.8% |
| Advances received on contracts in progress46 | - | - | - | €19k | - | - |
| Taxes, remuneration and social security45 | €36k | €71k | €69k | €43k | €71k | ▲ 64.3% |
| Taxes450/3 | €22k | €54k | €52k | €28k | €50k | ▲ 81.8% |
| Remuneration and social security454/9 | €14k | €17k | €17k | €15k | €20k | ▲ 32.5% |
| Other amounts payable47/48 | €147k | €132k | €171k | €216k | €212k | ▼ 1.7% |
| Accrued charges and deferred income492/3 | - | - | - | €10k | €8k | ▼ 11.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €23k | €19k | €14k | €29k | ▲ 107% |
| + Depreciation and write-downs630 | €30k | €31k | €32k | €33k | €33k | ▼ 0.1% |
| Operating cash flow (approximation) | €68k | €53k | €51k | €47k | €62k | ▲ 31.9% |
| Investment in fixed assets (approximation) | - | €-2k | €-11k | €0 | €-7k | - |
| Change in cash | - | €-647 | €-17k | €-7k | €10k | ▲ 251% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €105k ▲21.6%
4 profitable years in a row build equity to €105k.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2020net €38k ▲627%
Net result €38k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Bilzen · 1 establishment unit since 2019
Ground area
423 m²
Building footprint
423 m²
Parcel 73006M0581/00V000, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Chloé
since 20192.296.003.460
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006M0581/00V000 | Flanders | 423 m² | 1 · 423 m² | - |
Linked by address, not proof of ownership
Good to know
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
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R&G MODE
BE 0827.051.001
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M.B. & I.
BE 0894.050.582
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HIGH SOCIETY
BE 0430.529.748
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Of 1,276 companies in sector 46160 we hold annual accounts for 686. 525 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
Founded21-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47721Retail sale of footwear
46423Wholesale of clothing, excluding workwear and underwear
46425Wholesale trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Scores and ratios are computed by Checked and are not a credit decision.