De Blauwe Grens
ActiveThe computed 12-month bankruptcy probability of De Blauwe Grens is 2.5% (moderate). The 2026 annual accounts show negative equity (€-461k) and a net result of €3k. Equity is shrinking by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 198 sector peers (fiscal year 2026). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
3
/ 100
Critical▲ +3 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability0=
Solvency41=
Growth58=
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.86 against 0.84 in 2025), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 198 sector peers (2026).
NBB · sector comparisonPosition among 198 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 31-07-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
31 d early
2025
53 d early
2024
32 d early
2022
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€-461k▲ 0.7%
2025 · €-464k
2022: €16k
2024: €-494k
2025: €-464k
2022 → 2026
Total assets
€2.47M▼ 16.1%
2025 · €2.94M
2022: €16k
2024: €3.52M
2025: €2.94M
2022 → 2026
Net result
€3k▼ 88.7%
2025 · €30k
2022: €-4k
2024: €-510k
2025: €30k
2022 → 2026
Working capital
€-159k▲ 14.6%
2025 · €-186k
2024: €-242k
2025: €-186k
2024 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202420252026Trend
Equity€16k-€-494k€-464k▲ 6.0%€-461k▲ 0.7%
Operating result€-4k-€-834k▼ 21,874%€-319k▲ 61.7%€-180k▲ 43.6%
Net result€-4k-€-510k▼ 12,855%€30k€3k▼ 88.7%
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 €180k in 2026 against €319k in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €2.47M
Fixed assets
€1.53M▼ 21.9%
Current assets
€940k▼ 4.5%
Key figures and ratios
EBITDA
€249k▲
2025 · €111k
Cash flow
€432k▼
2025 · €460k
Solvency
-18.7%▼
2025 · -15.8%
Current ratio
0.86▲
2025 · 0.84
Quick ratio
0.52▲
2025 · 0.52
Debt / equity
-6.35▲
2025 · -7.33
ROE
-0.7%▲
2025 · -6.4%
ROA
0.1%▼
2025 · 1.0%
Interest coverage
2.18▲
2025 · 0.76
Debt
€2.93M▼
2025 · €3.40M
Debt ≤ 1 year
€1.10M▼
2025 · €1.17M
Debt > 1 year
€1.83M▼
2025 · €2.23M
Income taxes
€3k▼
2025 · €5k
Staff costs
€476k▼
2025 · €565k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€2.94M€2.47M▼
Fixed assets21/28€1.96M€1.53M▼
Tangible fixed assets22/27€1.96M€1.53M▼
Plant, machinery and equipment23€1.24M€966k▼
Furniture and vehicles24€12k€7k▼
Other tangible fixed assets26€700k€554k▼
Current assets29/58€984k€940k▼
Stocks and contracts in progress3€372k€365k▼
Stocks30/36€372k€365k▼
Amounts receivable within one year40/41€318€7k▲
Trade receivables40€318€7k▲
Cash at bank and in hand54/58€572k€559k▼
Deferred charges and accrued income490/1€39k€9k▼
Equity and liabilities
Total equity and liabilities10/49€2.94M€2.47M▼
Equity10/15€-464k€-461k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-484k€-481k▲
Amounts payable17/49€3.40M€2.93M▼
Amounts payable after more than one year17€2.23M€1.83M▼
Financial debts170/4€2.23M€1.83M▼
Amounts payable within one year42/48€1.17M€1.10M▼
Current portion of amounts payable after more than one year42€402k€402k=
Trade debts44€647k€594k▼
Suppliers440/4€647k€594k▼
Taxes, remuneration and social security45€121k€103k▼
Taxes450/3€49k€47k▼
Remuneration and social security454/9€72k€56k▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20252026
Remuneration, social security and pensions62€565k€476k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€430k€429k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€678k€728k▲
Operating profit (loss)9901€-319k€-180k▲
Financial income75/76B€500k€300k▼
Recurring financial income75€1€0▼
Non-recurring financial income76B€500k€300k▼
Financial charges65/66B€146k€114k▼
Recurring financial charges65€146k€114k▼
Profit (loss) for the period before taxes9903€35k€6k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€30k€3k▼
Profit (loss) for the period to be appropriated9905€30k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-484k€-481k▲
Profit (loss) brought forward from the previous period14P€-514k€-484k▲
Social balance
Average headcount (FTE)908713.210.9▼
The notes to these accounts (16 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 2027, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-01
Financial
Weakest financial yearnet €-510k
Net result drops to €-510k, the lowest in the series; recovery starts the following year.
2023
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lille · 2 establishment units since 2021
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.
Kloosterstraat 582275 LilleGround area
2.1 ha
Building footprint
1.0 ha
Volume, LiDAR
64,572 m³
2 parcels, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
De Blauwe Dijk
since 20212.314.093.168
Albert Heijn Lanaken
since 20222.334.668.650
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0717/00X006 | Flanders | 1.9 ha | 1 · 8,638 m² | 9.6 m · 3 fl. |
| 73064B1170/00K000 | Flanders | 1,866 m² | 1 · 1,859 m² | 5.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 23,130 EUR awarded · 23,130 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | -14,863 EUR | 0 EUR |
| 2023 | 1 | 37,993 EUR | 23,130 EUR |
Schemes
Ecologiepremie+
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyLanaken2.334.668.650
Dual-learning approval
6 live approvalsCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Onthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,412 companies in sector 47110 we hold annual accounts for 5,785. 3,901 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2021
Fiscal year end31-01
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.