Financials
- Fiscal year
- 2025
- Total assets
- €3.0m
- Loss
- -€153,877
- Solvency
- 6.3%
Total assets▼ 6.6%
Net result
20182025
De Banier
ActiveSummary
De Banier has been active since 1946 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189,919 and a net result of -€153,877. Equity is shrinking by ~16.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 17% of 11770 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
Activity
Other retail sale of new goods
NACE 47789Retail sale of other sporting goods NACE 47639Retail sale of games and toys NACE 47640
#4 oldest company in the province of Antwerp, Retail trade sector8 sites
Size
€3.0mtotal assets 2025
- Staff
- 27.7 FTE
- Equity
- €189,919
- Loss
- -€153,877
Turnover not published (abridged schema)
Structure
Accounts 25 d early0 of 7 deeds read
Why 64- Equity €189,919 (6.3% of total assets)- Loss of €153,877, the second in a row (FY 2025)- Sector Retail trade (NACE 47)+ Liquidity: current ratio 6.64, cash €533,890Show the evidence
Checked score
Score 2025
64
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 32% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
31-5
equity 6.3% of total assets
Liquidity
70+4
short-term debt 12.6% · cash 17.6%
Profitability
25-11
return on assets -5.1%
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.9%highest value
12-2024: 0.8%▼ -79.5% vs 11-2024
01-2025: 0.8%▼ -0.6% vs 12-2024
02-2025: 0.8%● 0.0% vs 01-2025
03-2025: 0.8%● 0.0% vs 02-2025
04-2025: 0.8%▲ +2.5% vs 03-2025
05-2025: 0.8%▲ +0.2% vs 04-2025
06-2025: 0.9%▲ +3.5% vs 05-2025
07-2025: 1.0%▲ +19.7% vs 06-2025
08-2025: 0.7%▼ -33.5% vs 07-2025
09-2025: 0.7%● 0.0% vs 08-2025
10-2025: 0.7%● 0.0% vs 09-2025
11-2025: 0.7%● 0.0% vs 10-2025
12-2025: 0.7%● 0.0% vs 11-2025
01-2026: 0.7%▼ -0.6% vs 12-2025lowest value
02-2026: 0.7%▲ +1.9% vs 01-2026
03-2026: 0.7%▼ -0.7% vs 02-2026
04-2026: 0.7%▲ +6.0% vs 03-2026
05-2026: 0.7%▼ -0.8% vs 04-2026
06-2026: 0.7%▲ +3.1% vs 05-2026
07-2026: 0.7%▼ -3.2% vs 06-2026
08-2026: 1.1%▲ +60.5% vs 07-2026
09-2026: 1.1%● 0.0% vs 08-2026
10-2026: 1.1%● 0.0% vs 09-2026
- Equity €189,919 (6.3% of total assets) raises the probability
- Loss of €153,877, the second in a row (FY 2025) raises the probability
- Liquidity: current ratio 6.64, cash €533,890 lowers the probability
- Sector Retail trade (NACE 47) raises the probability
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 6.64 against 5.28 in 2024; short-term debt: 12.6% and cash: 17.6% of total assets), but 93.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 17%, liquidity 89%, profitability 14%, growth against the median 9%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 -€153,877
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 11770 sector peers (2025).
NBB · sector comparisonPosition among 11770 sector peers
Solvency
better than 17%
← weakest
strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
6 d early
2023
104 d late
2022
12 d early
2021
11 d early
2020
46 d early
2019
42 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 5 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 20 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Annual accounts filedfiscal year 2023 · abbreviated…
Key points
- Caution: Result fell in 2025from -€26,553 to -€153,877 ▼ 479% View
- Caution: Among the weakest 5% on net resultsector median €28,653 · 11,758 companies -€153,877 View
- Caution: 2 loss-making years in a rowloss fiscal year 2025 -€153,877 View
- Active since 1946founded 18-02-1946 80 years View
- Flemish supportawarded 2022 - 2025 €109,592 View
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 06-07-2026Annual accounts filed
- 25-07-2025Annual accounts filed
- 12-11-2024Annual accounts filed
Company details
- Sites
- 8
- Legal form
- Private limited company
- Activity
- Other retail sale of new goodsNACE 47789
- Founded
- 18-02-1946
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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