CUIRISSIME
ActiveSummary
CUIRISSIME has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97,417 and a net result of €3,390. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▼-24
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 5.04 against 3.58 in 2024; short-term debt: 19.8% and cash: 6.6% of total assets), and 20.4% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Retail trade (NACE 47)
about 45% 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
79.6%
Return on assets
2.8%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
89 d late
2023
44 d late
2022
19 d early
2021
46 d late
2020
2 d early
2019
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€97,417▲ 3.6%
2024 · €94,027
Total assets
€122,405▼ 6.1%
2024 · €130,385
Net result
€3,390▼ 78.4%
2024 · €15,682
Working capital
€98,034▲ 4.3%
2024 · €93,952
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,956€1,710▼ 12.6%€13,774▲ 706%€16,985▲ 23.3%€4,606▼ 72.9%
Net result€579within the sector's middle half€88within the sector's middle half▼ 84.9%€11,851within the sector's middle half▲ 13,418%€15,682within the sector's middle half▲ 32.3%€3,390within the sector's middle half▼ 78.4%
Equity€66,406within the sector's middle half▲ 0.9%€66,493within the sector's middle half▲ 0.1%€78,344within the sector's middle half▲ 17.8%€94,027within the sector's middle half▲ 20.0%€97,417within the sector's middle half▲ 3.6%
Total assets€148,476within the sector's middle half=€137,888within the sector's middle half▼ 7.1%€133,309within the sector's middle half▼ 3.3%€130,385within the sector's middle half▼ 2.2%€122,405within the sector's middle half▼ 6.1%
Debt€82,071▼ 0.6%€71,395▼ 13.0%€54,965▼ 23.0%€36,358▼ 33.9%€24,988▼ 31.3%
Working capital€66,331▲ 0.9%€66,419▲ 0.1%€78,270▲ 17.8%€93,952▲ 20.0%€98,034▲ 4.3%
Solvency44.7%within the sector's middle half▲ 0.4pp48.2%within the sector's middle half▲ 3.5pp58.8%within the sector's middle half▲ 10.5pp72.1%above the sector's middle half▲ 13.3pp79.6%above the sector's middle half▲ 7.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122,405
Fixed assets
€74 =
Current assets
€122,330 ▼ 6.1%
Equity and liabilities €122,405
Equity
€97,417 ▲ 3.6%
Debt
€24,988 ▼ 31.3%
Debt's share of the balance-sheet total falls from 27.9% to 20.4%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
5.04▲
2024 · 3.58
Quick ratio
0.92▲
2024 · 0.36
Debt to equity
0.26▼
2024 · 0.39
ROE
3.5%▼
2024 · 16.7%
ROA
2.8%▼
2024 · 12.0%
Debt ≤ 1 year
€24,296▼
2024 · €36,358
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €3,500 | - | - | - | - | - |
| Other operating charges640/8 | €41 | €125 | €118 | €118 | €176 | ▲ 49.2% |
| Gross operating margin9900 | €1,997 | €1,835 | €13,892 | €17,103 | €4,782 | ▼ 72.0% |
| Operating profit (loss)9901 | €1,956 | €1,710 | €13,774 | €16,985 | €4,606 | ▼ 72.9% |
| Financial income75/76B | €1 | - | - | €3 | €1 | ▼ 66.7% |
| Recurring financial income75 | €1 | - | - | €3 | €1 | ▼ 66.7% |
| Non-recurring financial income76B | - | - | - | €3 | €1 | ▼ 66.7% |
| Financial charges65/66B | €1,378 | €1,622 | €1,923 | €1,306 | €1,217 | ▼ 6.8% |
| Recurring financial charges65 | €1,378 | €1,622 | €1,923 | €1,306 | €1,217 | ▼ 6.8% |
| Profit (loss) for the period before taxes9903 | €579 | €88 | €11,851 | €15,682 | €3,390 | ▼ 78.4% |
| Profit (loss) for the period9904 | €579 | €88 | €11,851 | €15,682 | €3,390 | ▼ 78.4% |
| Profit (loss) for the period to be appropriated9905 | €579 | €88 | €11,851 | €15,682 | €3,390 | ▼ 78.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €148,476 | €137,888 | €133,309 | €130,385 | €122,405 | ▼ 6.1% |
| Fixed assets21/28 | €74 | €74 | €74 | €74 | €74 | = |
| Tangible fixed assets22/27 | - | - | €0 | - | - | - |
| Financial fixed assets28 | €74 | €74 | €74 | €74 | €74 | = |
| Current assets29/58 | €148,402 | €137,814 | €133,235 | €130,310 | €122,330 | ▼ 6.1% |
| Stocks and contracts in progress3 | €139,200 | €131,350 | €124,500 | €117,200 | €99,900 | ▼ 14.8% |
| Stocks30/36 | €139,200 | €131,350 | €124,500 | €117,200 | €99,900 | ▼ 14.8% |
| Amounts receivable within one year40/41 | - | - | - | €4,628 | €14,321 | ▲ 209% |
| Other amounts receivable41 | - | - | - | €4,628 | €14,321 | ▲ 209% |
| Cash at bank and in hand54/58 | €9,202 | €6,464 | €8,735 | €8,483 | €8,109 | ▼ 4.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €148,476 | €137,888 | €133,309 | €130,385 | €122,405 | ▼ 6.1% |
| Equity10/15 | €66,406 | €66,493 | €78,344 | €94,027 | €97,417 | ▲ 3.6% |
| Contributions10/11 | €43,592 | €43,592 | €43,592 | €43,592 | €43,592 | = |
| Capital10 | €43,592 | €43,592 | - | - | - | - |
| Issued capital100 | €43,592 | €43,592 | - | - | - | - |
| Reserves13 | €22,668 | €22,668 | €22,668 | €22,668 | €22,668 | = |
| Non-distributable reserves130/1 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Legal reserve130 | €3,000 | €3,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €3,000 | €3,000 | €3,000 | = |
| Tax-exempt reserves132 | €19,668 | €19,668 | €19,668 | €19,668 | €19,668 | = |
| Profit (loss) carried forward14 | €146 | €233 | €12,084 | €27,767 | €31,157 | ▲ 12.2% |
| Amounts payable17/49 | €82,071 | €71,395 | €54,965 | €36,358 | €24,988 | ▼ 31.3% |
| Amounts payable within one year42/48 | €82,071 | €71,395 | €54,965 | €36,358 | €24,296 | ▼ 33.2% |
| Financial debts43 | €11,022 | €10,563 | €8,206 | €7,327 | €5,795 | ▼ 20.9% |
| Credit institutions430/8 | €11,022 | €10,563 | €8,206 | €7,327 | €5,795 | ▼ 20.9% |
| Trade debts44 | €6,412 | €7,785 | €9,274 | - | - | - |
| Suppliers440/4 | €6,412 | €7,785 | €9,274 | - | - | - |
| Taxes, remuneration and social security45 | €4,907 | €4,803 | €5,425 | €3,991 | €1,691 | ▼ 57.6% |
| Taxes450/3 | €4,907 | €4,653 | €5,125 | €3,991 | €1,691 | ▼ 57.6% |
| Remuneration and social security454/9 | - | €150 | €300 | - | - | - |
| Other amounts payable47/48 | €59,730 | €48,244 | €32,060 | €25,041 | €16,810 | ▼ 32.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €692 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €579 | €88 | €11,851 | €15,682 | €3,390 | ▼ 78.4% |
| Operating cash flow (approximation) | €579 | €88 | €11,851 | €15,682 | €3,390 | ▼ 78.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€2,738 | €2,271 | -€252 | -€374 | ▼ 48.3% |
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 89 days late
2024
31-12
Financial
Highest result since 2018net €15,682 ▲32.3%
Operating result €16,985, net result €15,682, both a record.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 46 days late
2021
31-12
Financial
Back to profitnet €579
Net result €579 after 3 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€8,937
Net result drops to -€8,937, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 1995
Ground area
111 m²
Building footprint
120 m²
Volume, LiDAR
1,243 m³
Parcel 52011D0227/00P000, Wallonia · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Rue du Bief du Moulin 2, 6000 Charleroi
since 19952.071.520.320
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011D0227/00P000 | Wallonia | 111 m² | 1 · 120 m² | 13.5 m · 3 fl. |
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.
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Of 411 companies in sector 47722 we hold annual accounts for 166. 126 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
Founded22-03-1995
Fiscal year end31-12
Activities, NACEBEL 2025
47722Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0454850519
Also
9925:BE0454850519
Registered
18-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.