DE GARDEROBE
ActiveThe computed 12-month bankruptcy probability of DE GARDEROBE is 1.6% (moderate). The 2025 annual accounts show equity of €30k and a net result of €-15k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 13009 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical▼ -27 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency71▼-12
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.99 against 1.35 in 2024), and 51.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.4%
Return on assets
-24.2%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€15k
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 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
37 d early
2023
42 d early
2022
38 d early
2021
37 d early
2020
40 d early
2019
30 d early
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 33.3%
2024 · €45k
2018: €17k
2019: €11k
2020: €25k
2021: €46k
2022: €58k
2023: €56k
2024: €45k
2018 → 2025
Total assets
€62k▼ 21.7%
2024 · €79k
2018: €32k
2019: €29k
2020: €38k
2021: €64k
2022: €78k
2023: €72k
2024: €79k
2018 → 2025
Net result
€-15k▼ 30.5%
2024 · €-11k
2018: €6k
2019: €-6k
2020: €24k
2021: €21k
2022: €13k
2023: €-2k
2024: €-11k
2018 → 2025
Working capital
€-378
2024 · €9k
2018: €12k
2019: €5k
2020: €19k
2021: €40k
2022: €44k
2023: €29k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€58k▲ 27.4%€56k▼ 3.6%€45k▼ 20.3%€30k▼ 33.3%
Operating result€25k-€16k▼ 35.5%€-1k€-10k▼ 694%€-13k▼ 26.3%
Net result€21k-€13k▼ 41.0%€-2k€-11k▼ 438%€-15k▼ 30.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €10k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€33k▼ 22.0%
Current assets
€29k▼ 21.4%
Equity and liabilities €62k
Equity
€30k▼ 33.3%
Debt
€32k▼ 6.5%
The debt ratio rises from 43.2% to 51.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-334▲
2024 · €-2k
Cash flow
€-3k▲
2024 · €-3k
Solvency
48.4%▼
2024 · 56.8%
Current ratio
0.99▼
2024 · 1.35
Quick ratio
0.95▼
2024 · 1.33
Debt / equity
1.07▲
2024 · 0.76
ROE
-50.0%▼
2024 · -25.5%
ROA
-24.2%▼
2024 · -14.5%
Interest coverage
-0.17▲
2024 · -1.38
Debt
€32k▼
2024 · €34k
Debt ≤ 1 year
€29k▲
2024 · €27k
Debt > 1 year
€3k▼
2024 · €7k
Income taxes
€245▲
2024 · €192
Staff costs
€19k▼
2024 · €21k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€79k€62k▼
Fixed assets21/28€43k€33k▼
Tangible fixed assets22/27€40k€31k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€16k€10k▼
Other tangible fixed assets26€20k€17k▼
Financial fixed assets28€3k€3k=
Current assets29/58€36k€29k▼
Stocks and contracts in progress3€581€1k▲
Stocks30/36€581€1k▲
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€0€299▲
Other amounts receivable41€4k€733▼
Cash at bank and in hand54/58€31k€26k▼
Deferred charges and accrued income490/1€481€588▲
Equity and liabilities
Total equity and liabilities10/49€79k€62k▼
Equity10/15€45k€30k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€31k€16k▼
Amounts payable17/49€34k€32k▼
Amounts payable after more than one year17€7k€3k▼
Financial debts170/4€7k€3k▼
Amounts payable within one year42/48€27k€29k▲
Current portion of amounts payable after more than one year42€4k€10k▲
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€7k€7k▲
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€21k€19k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€12k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€23k€21k▼
Operating profit (loss)9901€-10k€-13k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-11k€-15k▼
Income taxes67/77€192€245▲
Profit (loss) for the period9904€-11k€-15k▼
Profit (loss) for the period to be appropriated9905€-11k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€16k▼
Profit (loss) brought forward from the previous period14P€42k€31k▼
The notes to these accounts (12 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 2026, expected by
2026
23-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 4 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Mortsel · 1 establishment unit since 2005
Ground area
173 m²
Building footprint
85 m²
Parcel 11513C0376/00T002, Flanders. Linked by address, not a title deed.
1 establishment unit
DE GARDEROBE
since 20052.149.135.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0376/00T002 | Flanders | 173 m² | 1 · 85 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
POLPO
BE 0681.488.148
Antwerpen · Eq €30k
Sunmax
BE 0758.788.438
Charleroi · Eq €30k
The NewTon
BE 1006.893.256
Jabbeke · Eq €30k
KONINGS PATRICK
BE 0562.947.517
Wingene · Eq €30k
ARTSUSHI
BE 0768.870.993
Evergem · Eq €30k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,308. 9,330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2005
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.