CURTRES
ActiveSummary
CURTRES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €480,655 and a net result of -€13,437. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 80% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▲+2
Solvency93▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 3.1 against 2.99 in 2024; short-term debt: 31.2% and cash: 42.3% of total assets), and 31.9% of the assets are financed with debt.
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Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€13,437
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
49 d early
2023
32 d early
2022
31 d late
2021
4 d late
2020
1 d early
2019
3 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 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 March (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€480,655▼ 2.7%
2024 · €494,092
Total assets
€705,874▼ 4.4%
2024 · €738,402
Net result
-€13,437▲ 48.9%
2024 · -€26,307
Working capital
€463,525▼ 1.5%
2024 · €470,713
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€70,967€6,637▼ 90.6%-€31,061-€25,632▲ 17.5%-€13,003▲ 49.3%
Net result€73,170within the sector's middle half▲ 7,824%€15,520within the sector's middle half▼ 78.8%-€23,718below the sector's middle half-€26,307below the sector's middle half▼ 10.9%-€13,437below the sector's middle half▲ 48.9%
Equity€528,598within the sector's middle half▲ 16.1%€544,118within the sector's middle half▲ 2.9%€520,400within the sector's middle half▼ 4.4%€494,092within the sector's middle half▼ 5.1%€480,655within the sector's middle half▼ 2.7%
Total assets€722,061within the sector's middle half▼ 15.0%€708,675within the sector's middle half▼ 1.9%€771,959within the sector's middle half▲ 8.9%€738,402within the sector's middle half▼ 4.3%€705,874within the sector's middle half▼ 4.4%
Debt€193,463▼ 50.9%€164,557▼ 14.9%€251,559▲ 52.9%€244,309▼ 2.9%€225,219▼ 7.8%
Working capital€508,849above the sector's middle half▲ 19.7%€511,118above the sector's middle half▲ 0.4%€484,828within the sector's middle half▼ 5.1%€470,713within the sector's middle half▼ 2.9%€463,525above the sector's middle half▼ 1.5%
Solvency73.2%above the sector's middle half▲ 19.6pp76.8%above the sector's middle half▲ 3.6pp67.4%above the sector's middle half▼ 9.4pp66.9%above the sector's middle half▼ 0.5pp68.1%above the sector's middle half▲ 1.2pp
Current ratio3.92above the sector's middle half▲ 1.814.40above the sector's middle half▲ 0.493.00above the sector's middle half▼ 1.412.99above the sector's middle half▼ 0.013.10above the sector's middle half▲ 0.11
Return on assets (ROA)10.1%within the sector's middle half▲ 10.0pp2.2%within the sector's middle half▼ 7.9pp-3.1%below the sector's middle half▼ 5.3pp-3.6%below the sector's middle half▼ 0.5pp-1.9%below the sector's middle half▲ 1.7pp
Staff (FTE)5.9within the sector's middle half▼ 22.4%7.1within the sector's middle half▲ 20.3%7.9above the sector's middle half▲ 11.3%6.6within the sector's middle half▼ 16.5%5.9within the sector's middle half▼ 10.6%
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 abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13,003 in 2025 against €25,632 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €705,874
Fixed assets
€22,068 ▼ 29.3%
Current assets
€683,806 ▼ 3.3%
Equity and liabilities €705,874
Equity
€480,655 ▼ 2.7%
Debt
€225,219 ▼ 7.8%
Debt's share of the balance-sheet total falls from 33.1% to 31.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€2,579▲
2024 · -€12,409
Cash flow
-€3,012▲
2024 · -€13,084
Quick ratio
1.40▲
2024 · 1.24
Debt to equity
0.47▼
2024 · 0.49
ROE
-2.8%▲
2024 · -5.3%
Interest coverage
-0.37▲
2024 · -2.04
Debt ≤ 1 year
€220,281▼
2024 · €236,460
Income taxes
€172▲
2024 · €125
Staff costs
€258,066▼
2024 · €312,991
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 12,321 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 | €8,500 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €167,409 | €234,912 | €306,063 | €312,991 | €258,066 | ▼ 17.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,714 | €11,963 | €15,274 | €13,223 | €10,425 | ▼ 21.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €17,415 | -€59,942 | -€34,845 | -€4,661 | -€5,702 | ▼ 22.3% |
| Other operating charges640/8 | €2,879 | €1,950 | €1,785 | €1,757 | €1,718 | ▼ 2.3% |
| Non-recurring operating charges66A | €999 | - | - | - | €500 | - |
| Gross operating margin9900 | €270,384 | €195,519 | €257,216 | €297,679 | €252,002 | ▼ 15.3% |
| Operating profit (loss)9901 | €70,967 | €6,637 | -€31,061 | -€25,632 | -€13,003 | ▲ 49.3% |
| Financial income75/76B | €17,173 | €24,697 | €12,905 | €5,522 | €6,689 | ▲ 21.1% |
| Recurring financial income75 | €17,173 | €24,697 | €12,905 | €5,522 | €6,689 | ▲ 21.1% |
| Financial charges65/66B | €3,977 | €7,837 | €5,547 | €6,073 | €6,951 | ▲ 14.5% |
| Recurring financial charges65 | €3,977 | €7,837 | €5,547 | €6,073 | €6,951 | ▲ 14.5% |
| Profit (loss) for the period before taxes9903 | €84,163 | €23,496 | -€23,703 | -€26,183 | -€13,265 | ▲ 49.3% |
| Income taxes67/77 | €10,994 | €7,976 | €15 | €125 | €172 | ▲ 38.3% |
| Profit (loss) for the period9904 | €73,170 | €15,520 | -€23,718 | -€26,307 | -€13,437 | ▲ 48.9% |
| Transfer from tax-exempt reserves789 | - | €18,409 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €73,170 | €33,929 | -€23,718 | -€26,307 | -€13,437 | ▲ 48.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €722,061 | €708,675 | €771,959 | €738,402 | €705,874 | ▼ 4.4% |
| Fixed assets21/28 | €38,705 | €47,405 | €44,452 | €31,229 | €22,068 | ▼ 29.3% |
| Tangible fixed assets22/27 | €28,121 | €36,812 | €33,859 | €20,636 | €11,347 | ▼ 45.0% |
| Plant, machinery and equipment23 | €9,464 | €22,118 | €21,506 | €12,835 | €8,099 | ▼ 36.9% |
| Furniture and vehicles24 | €18,657 | €14,694 | €12,354 | €7,801 | €3,248 | ▼ 58.4% |
| Financial fixed assets28 | €10,583 | €10,593 | €10,593 | €10,593 | €10,721 | ▲ 1.2% |
| Current assets29/58 | €683,356 | €661,271 | €727,507 | €707,173 | €683,806 | ▼ 3.3% |
| Stocks and contracts in progress3 | €315,540 | €421,797 | €526,525 | €414,275 | €376,314 | ▼ 9.2% |
| Stocks30/36 | €315,540 | €421,797 | €526,525 | €414,275 | €376,314 | ▼ 9.2% |
| Amounts receivable within one year40/41 | €12,464 | €24,926 | €24,453 | €7,037 | €3,184 | ▼ 54.8% |
| Trade receivables40 | €7,995 | €13,288 | €14,453 | €6,526 | €1,535 | ▼ 76.5% |
| Other amounts receivable41 | €4,468 | €11,638 | €10,000 | €511 | €1,649 | ▲ 222% |
| Cash at bank and in hand54/58 | €341,314 | €203,799 | €172,534 | €281,464 | €298,287 | ▲ 6.0% |
| Deferred charges and accrued income490/1 | €14,038 | €10,749 | €3,994 | €4,397 | €6,021 | ▲ 36.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €722,061 | €708,675 | €771,959 | €738,402 | €705,874 | ▼ 4.4% |
| Equity10/15 | €528,598 | €544,118 | €520,400 | €494,092 | €480,655 | ▼ 2.7% |
| Contributions10/11 | €153,600 | €153,600 | €153,600 | €153,600 | €153,600 | = |
| Reserves13 | €374,998 | €390,518 | €366,800 | €340,492 | €327,055 | ▼ 3.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €18,409 | - | - | - | - | - |
| Distributable reserves133 | €354,729 | €388,658 | €364,940 | €340,492 | €327,055 | ▼ 3.9% |
| Amounts payable17/49 | €193,463 | €164,557 | €251,559 | €244,309 | €225,219 | ▼ 7.8% |
| Amounts payable after more than one year17 | €12,971 | €9,485 | €5,960 | €2,397 | - | - |
| Financial debts170/4 | €12,971 | €9,485 | €5,960 | €2,397 | - | - |
| Amounts payable within one year42/48 | €174,507 | €150,152 | €242,679 | €236,460 | €220,281 | ▼ 6.8% |
| Current portion of amounts payable after more than one year42 | €3,448 | €3,486 | €3,816 | €3,858 | €2,696 | ▼ 30.1% |
| Trade debts44 | €50,445 | €53,601 | €149,453 | €157,053 | €166,581 | ▲ 6.1% |
| Suppliers440/4 | €50,445 | €53,601 | €149,453 | €157,053 | €166,581 | ▲ 6.1% |
| Taxes, remuneration and social security45 | €35,140 | €36,983 | €50,777 | €56,407 | €46,469 | ▼ 17.6% |
| Taxes450/3 | €16,290 | - | €1,345 | €7,429 | €4,539 | ▼ 38.9% |
| Remuneration and social security454/9 | €18,850 | €36,983 | €49,432 | €48,978 | €41,930 | ▼ 14.4% |
| Other amounts payable47/48 | €85,475 | €56,082 | €38,632 | €19,141 | €4,536 | ▼ 76.3% |
| Accrued charges and deferred income492/3 | €5,985 | €4,921 | €2,920 | €5,453 | €4,937 | ▼ 9.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €73,170 | €15,520 | -€23,718 | -€26,307 | -€13,437 | ▲ 48.9% |
| + Depreciation and write-downs630 | €10,714 | €11,963 | €15,274 | €13,223 | €10,425 | ▼ 21.2% |
| Operating cash flow (approximation) | €83,884 | €27,483 | -€8,444 | -€13,084 | -€3,012 | ▲ 77.0% |
| Investment in fixed assets (approximation) | - | -€20,662 | -€12,322 | €0 | -€1,264 | - |
| Change in cash | - | -€137,515 | -€31,264 | €108,930 | €16,823 | ▼ 84.6% |
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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet -€26,307
Net result drops to -€26,307, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2021
30-09
Financial
Equity above €500,000Eq €528,598 ▲16.1%
2 profitable years in a row build equity to €528,598.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €923
Net result €923 after one loss-making year.
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Alken · 4 establishment units since 2002
Ground area
3,401 m²
Building footprint
877 m²
Volume, LiDAR
7,890 m³
4 parcels, Flanders · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
4 establishment units
CURTRES
since 20022.114.461.824
CURTRES
since 20022.265.919.208
CURTRES
since 20062.265.918.020
Leemkuilstraat 49, 3570 Alken
since 20212.314.110.588
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73302E0755/00L000 | Flanders | 2,077 m² | 1 · 197 m² | 7.2 m · 2 fl. |
| 73040C0913/00G000 | Flanders | 583 m² | 1 · 317 m² | 12.8 m · 3 fl. |
| 73001B0442/00E002 | Flanders | 551 m² | 1 · 181 m² | 11.5 m · 2 fl. |
| 71022H0028/00G000 | Flanders | 190 m² | 1 · 182 m² | 17.5 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- IQ PLUS
- CURTRES
Highest known parent: IQ PLUS. The sources do not say who stands above it.
Owners 1
- IQ PLUSparentSourceaccounts IQ PLUS 202499.46%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 10,114 EUR awarded · 8,881 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 4,092 EUR | 4,092 EUR |
| 2024 | 1 | 2,047 EUR | 2,047 EUR |
| 2022 | 1 | 3,975 EUR | 2,742 EUR |
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Of 6,495 companies in sector 47716 we hold annual accounts for 2,440. 1,467 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
Founded18-09-2002
Fiscal year end30-09
Activities, NACEBEL 2025
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Contact
Website
www.curtres.beAlken
E-mail
info@curtres.beAlken
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478351837
Also
9925:BE0478351837
Registered
02-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.