DEAL
ActiveSummary
DEAL has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134,583 and a net result of -€16,836. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 10645 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
What they do
Retail sale of household textiles and bedding
NACE 47512Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 52410
1 site
How big
€628,719total assets 2025
- Staff
- 3.7 FTE
- Equity
- €134,583
- Loss
- -€16,836
Turnover not published (abridged schema)
Who decides
Accounts filed 25 d late0 of 3 deeds read
Why 51- Higher-failure-rate sector+ Long track recordFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability27▼-53
Solvency46▼-2
Growth52▼-26
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 tight (current ratio 1.36 against 1.26 in 2024; short-term debt: 39.3% and cash: 1.8% of total assets), and 78.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
56 d late
2023
6 d late
2022
on the day
2021
17 d early
2020
19 d early
2019
38 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 2 days after 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 7 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Back to profitnet €59,205
Financials
Fiscal year 2025Total assets €628,719Loss -€16,836Solvency 21.4%Liquidity 1.36
Total assets
€628,719▼ 3.6%
2018 - 2025
Net result
-€16,836
2018 - 2025
Equity
€134,583▼ 11.1%
2018 - 2025
Staff (FTE)
3.7▼ 2.6%
2018 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€131,037▲ 617%-€17,545-€126,269▼ 620%€68,705-€26,963
Net result€99,873above the sector's middle half▲ 341%-€20,507below the sector's middle half-€119,258below the sector's middle half▼ 482%€59,205within the sector's middle half-€16,836below the sector's middle half
Equity€231,979above the sector's middle half▲ 75.6%€211,472within the sector's middle half▼ 8.8%€92,214below the sector's middle half▼ 56.4%€151,419within the sector's middle half▲ 64.2%€134,583within the sector's middle half▼ 11.1%
Total assets€595,336above the sector's middle half▲ 59.4%€646,093within the sector's middle half▲ 8.5%€640,637within the sector's middle half▼ 0.8%€651,972within the sector's middle half▲ 1.8%€628,719within the sector's middle half▼ 3.6%
Debt€335,938▲ 39.1%€407,783▲ 21.4%€522,166▲ 28.0%€474,877▼ 9.1%€487,485▲ 2.7%
Working capital€45,184within the sector's middle half▼ 65.8%-€13,216below the sector's middle half-€105,522below the sector's middle half▼ 698%€67,339within the sector's middle half€89,324within the sector's middle half▲ 32.6%
Solvency39.0%within the sector's middle half▲ 3.6pp32.7%within the sector's middle half▼ 6.2pp14.4%below the sector's middle half▼ 18.3pp23.2%within the sector's middle half▲ 8.8pp21.4%within the sector's middle half▼ 1.8pp
Current ratio1.15within the sector's middle half▼ 0.400.97below the sector's middle half▼ 0.180.80below the sector's middle half▼ 0.171.26within the sector's middle half▲ 0.461.36within the sector's middle half▲ 0.11
Return on assets (ROA)16.8%above the sector's middle half▲ 10.7pp-3.2%below the sector's middle half▼ 19.9pp-18.6%below the sector's middle half▼ 15.4pp9.1%within the sector's middle half▲ 27.7pp-2.7%below the sector's middle half▼ 11.8pp
Staff (FTE)3.6▼ 2.7%3.5within the sector's middle half▼ 2.8%3.8within the sector's middle half▲ 8.6%3.8within the sector's middle half=3.7within the sector's middle half▼ 2.6%
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 or micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26,963 after €68,705 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €628,719
Fixed assets
€292,618 ▼ 8.7%
Current assets
€336,101 ▲ 1.4%
Equity and liabilities €628,719
Equity
€134,583 ▼ 11.1%
Provisions
€6,651 ▼ 74.1%
Debt
€487,485 ▲ 2.7%
Debt's share of the balance-sheet total rises from 72.8% to 77.5%. Equity is lower and debt is higher.
Key figures and ratios
Key figures and ratios
EBITDA
€16,862▼
2024 · €128,879
Cash flow
€26,990▼
2024 · €119,379
Quick ratio
0.40▼
2024 · 0.46
Debt to equity
3.62▲
2024 · 3.14
ROE
-12.5%▼
2024 · 39.1%
Interest coverage
1.35▼
2024 · 8.51
Debt ≤ 1 year
€246,777▼
2024 · €263,973
Debt > 1 year
€240,708▲
2024 · €210,904
Income taxes
€0▼
2024 · €14
Staff costs
€166,724▼
2024 · €174,338
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,450 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.5%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.2% 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 497,341 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% | 1.8% |
| 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 2,450 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €99,307 | €123,135 | €174,861 | €174,338 | €166,724 | ▼ 4.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,173 | €27,768 | €29,912 | €60,174 | €43,825 | ▼ 27.2% |
| Other operating charges640/8 | €4,830 | €1,415 | €1,267 | €5,985 | €2,073 | ▼ 65.4% |
| Non-recurring operating charges66A | €99 | €0 | - | - | - | - |
| Gross operating margin9900 | €239,446 | €134,773 | €79,771 | €309,202 | €185,659 | ▼ 40.0% |
| Operating profit (loss)9901 | €131,037 | -€17,545 | -€126,269 | €68,705 | -€26,963 | ▼ 139% |
| Financial income75/76B | €11,543 | €5,254 | €19,180 | €5,081 | €3,561 | ▼ 29.9% |
| Recurring financial income75 | €11,543 | €5,254 | €19,180 | €5,081 | €3,561 | ▼ 29.9% |
| Financial charges65/66B | €6,395 | €8,797 | €12,719 | €15,148 | €12,458 | ▼ 17.8% |
| Recurring financial charges65 | €6,395 | €8,797 | €12,719 | €15,148 | €12,458 | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | €136,185 | -€21,088 | -€119,809 | €58,638 | -€35,860 | ▼ 161% |
| Transfer from deferred taxes780 | €581 | €581 | €581 | €581 | €19,024 | ▲ 3,173% |
| Transfer to deferred taxes680 | €28,000 | €0 | - | - | - | - |
| Income taxes67/77 | €8,893 | €0 | €31 | €14 | €0 | ▼ 98.9% |
| Profit (loss) for the period9904 | €99,873 | -€20,507 | -€119,258 | €59,205 | -€16,836 | ▼ 128% |
| Transfer from tax-exempt reserves789 | €1,744 | €1,744 | €1,744 | €1,744 | €57,073 | ▲ 3,173% |
| Transfer to tax-exempt reserves689 | €112,000 | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€10,383 | -€18,763 | -€117,515 | €60,949 | €40,237 | ▼ 34.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €595,336 | €646,093 | €640,637 | €651,972 | €628,719 | ▼ 3.6% |
| Fixed assets21/28 | €248,823 | €251,526 | €223,992 | €320,660 | €292,618 | ▼ 8.7% |
| Intangible fixed assets21 | - | €6,067 | €6,261 | €5,004 | €1,907 | ▼ 61.9% |
| Tangible fixed assets22/27 | €248,798 | €245,434 | €217,706 | €285,559 | €260,613 | ▼ 8.7% |
| Plant, machinery and equipment23 | €2,782 | €2,222 | €1,662 | €1,102 | €542 | ▼ 50.8% |
| Furniture and vehicles24 | - | €2,250 | €1,721 | €1,192 | €4,239 | ▲ 255% |
| Other tangible fixed assets26 | €246,017 | €240,962 | €214,323 | €283,265 | €255,833 | ▼ 9.7% |
| Financial fixed assets28 | €25 | €25 | €25 | €30,097 | €30,097 | = |
| Current assets29/58 | €346,513 | €394,567 | €416,645 | €331,312 | €336,101 | ▲ 1.4% |
| Stocks and contracts in progress3 | €246,288 | €313,128 | €331,998 | €209,993 | €236,672 | ▲ 12.7% |
| Stocks30/36 | €246,288 | €313,128 | €331,998 | €209,993 | €236,672 | ▲ 12.7% |
| Amounts receivable within one year40/41 | €11,392 | €37,413 | €16,571 | €92,558 | €82,707 | ▼ 10.6% |
| Trade receivables40 | €11,392 | €29,870 | €16,571 | €92,558 | €82,707 | ▼ 10.6% |
| Other amounts receivable41 | €0 | €7,543 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €87,624 | €39,756 | €62,902 | €25,563 | €11,215 | ▼ 56.1% |
| Deferred charges and accrued income490/1 | €1,210 | €4,270 | €5,173 | €3,198 | €5,507 | ▲ 72.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €595,336 | €646,093 | €640,637 | €651,972 | €628,719 | ▼ 3.6% |
| Equity10/15 | €231,979 | €211,472 | €92,214 | €151,419 | €134,583 | ▼ 11.1% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €213,387 | €192,880 | €106,769 | €132,827 | €115,991 | ▼ 12.7% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €0 | - | - | - |
| Tax-exempt reserves132 | €110,256 | €108,513 | €106,769 | €105,026 | €47,953 | ▼ 54.3% |
| Distributable reserves133 | €101,271 | €82,508 | €0 | €27,801 | €68,039 | ▲ 145% |
| Profit (loss) carried forward14 | - | - | -€33,147 | €0 | - | - |
| Provisions and deferred taxes16 | €27,419 | €26,838 | €26,256 | €25,675 | €6,651 | ▼ 74.1% |
| Deferred taxes168 | €27,419 | €26,838 | €26,256 | €25,675 | €6,651 | ▼ 74.1% |
| Amounts payable17/49 | €335,938 | €407,783 | €522,166 | €474,877 | €487,485 | ▲ 2.7% |
| Amounts payable after more than one year17 | €33,842 | €0 | - | €210,904 | €240,708 | ▲ 14.1% |
| Financial debts170/4 | €33,842 | €0 | - | €210,904 | €240,708 | ▲ 14.1% |
| Amounts payable within one year42/48 | €301,329 | €407,783 | €522,166 | €263,973 | €246,777 | ▼ 6.5% |
| Current portion of amounts payable after more than one year42 | €44,330 | €33,842 | €0 | €19,375 | €20,197 | ▲ 4.2% |
| Financial debts43 | €100,000 | €101,408 | €150,000 | €150,000 | €150,000 | = |
| Credit institutions430/8 | €100,000 | €101,408 | €150,000 | €150,000 | €150,000 | = |
| Trade debts44 | €53,806 | €111,336 | €135,089 | €31,481 | €27,762 | ▼ 11.8% |
| Suppliers440/4 | €53,806 | €111,336 | €135,089 | €31,481 | €27,762 | ▼ 11.8% |
| Taxes, remuneration and social security45 | €53,080 | €47,420 | €68,486 | €51,723 | €44,871 | ▼ 13.2% |
| Taxes450/3 | €43,047 | €28,064 | €50,003 | €31,205 | €27,104 | ▼ 13.1% |
| Remuneration and social security454/9 | €10,033 | €19,356 | €18,483 | €20,518 | €17,767 | ▼ 13.4% |
| Other amounts payable47/48 | €50,113 | €113,777 | €168,592 | €11,394 | €3,947 | ▼ 65.4% |
| Accrued charges and deferred income492/3 | €767 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €99,873 | -€20,507 | -€119,258 | €59,205 | -€16,836 | ▼ 128% |
| + Depreciation and write-downs630 | €4,173 | €27,768 | €29,912 | €60,174 | €43,825 | ▼ 27.2% |
| Operating cash flow (approximation) | €104,046 | €7,261 | -€89,347 | €119,379 | €26,990 | ▼ 77.4% |
| Investment in fixed assets (approximation) | - | -€30,470 | -€2,378 | -€156,842 | -€15,784 | ▲ 89.9% |
| Change in cash | - | -€47,867 | €23,146 | -€37,340 | -€14,348 | ▲ 61.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
De Vier Weverkens - Les Quatre Tisserands
BE 0408.053.858
Oostrozebeke · Eq €134,898
SUDDLE ENTREPRISE
BE 0863.923.372
Antwerpen · Eq €135,319
NUCCI
BE 0629.685.792
Wetteren · Eq €133,778
JOKRI
BE 0462.092.756
Lochristi · Eq €136,278
TEHEMCE
BE 0449.045.662
Ronse · Eq €136,709
Of 1,271 companies in this sector we hold annual accounts for 582. 491 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
16 eventsLatest 25-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 56 days late
2024
31-12
Financial
Back to profitnet €59,205
Net result €59,205 after 2 loss-making years.
31-12
Financial
Equity above €150,000Eq €151,419 ▲64.2%
Equity rises from €92,214 to €151,419.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet -€119,258
Net result drops to -€119,258, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €99,873 ▲341%
Operating result €131,037, net result €99,873, both a record.
31-12
Financial
Equity above €200,000Eq €231,979 ▲75.6%
4 profitable years in a row build equity to €231,979.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €109,477 ▲15.1%
2 profitable years in a row build equity to €109,477.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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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Company details
Private limited company · founded 04-06-1984Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded04-06-1984
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0425799217
Also
9925:BE0425799217
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1984
Ground area
555 m²
Building footprint
403 m²
Volume, LiDAR
3,811 m³
2 parcels, Flanders · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Parisinni
since 1984unit no. 2.024.770.872
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C1714/00B000 | Flanders | 410 m² | 1 · 313 m² | 16.6 m · 3 fl. |
| 11811L3738/00L000 | Flanders | 145 m² | 1 · 91 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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