ECLAIRE
ActiveSummary
ECLAIRE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€81,150) and a net result of €68,884. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 12% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.84 against 0.76 in 2024; short-term debt: 85% and cash: 33.9% of total assets), and equity is negative.
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Signals
Five 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-42.5%
Return on assets
36.1%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 11502 sector peers (2025).
NBB · sector comparisonPosition among 11502 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 27-02-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
38 d early
2023
48 d early
2022
1 d early
2021
6 d early
2020
54 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 27 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today. Usually files around 22 February (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
31-07-2026 close28-09-2026 today28-02-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€81,150▲ 45.9%
2024 · -€150,034
Total assets
€191,048▲ 107%
2024 · €92,287
Net result
€68,884▲ 29.5%
2024 · €53,173
Working capital
-€25,806▲ 3.6%
2024 · -€26,768
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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€109,808▼ 0.6%€101,402▼ 7.7%€95,456▼ 5.9%€57,394▼ 39.9%€72,008▲ 25.5%
Net result€101,718above the sector's middle half▼ 2.4%€95,805above the sector's middle half▼ 5.8%€89,056above the sector's middle half▼ 7.0%€53,173above the sector's middle half▼ 40.3%€68,884above the sector's middle half▲ 29.5%
Equity-€388,068below the sector's middle half▲ 20.8%-€292,263below the sector's middle half▲ 24.7%-€203,206below the sector's middle half▲ 30.5%-€150,034below the sector's middle half▲ 26.2%-€81,150below the sector's middle half▲ 45.9%
Total assets€118,984within the sector's middle half▲ 21.1%€115,608within the sector's middle half▼ 2.8%€99,746within the sector's middle half▼ 13.7%€92,287within the sector's middle half▼ 7.5%€191,048within the sector's middle half▲ 107%
Debt€507,052▼ 13.8%€407,870▼ 19.6%€302,952▼ 25.7%€242,321▼ 20.0%€272,198▲ 12.3%
Working capital-€196,317below the sector's middle half▲ 27.1%-€109,402below the sector's middle half▲ 44.3%-€87,605below the sector's middle half▲ 19.9%-€26,768below the sector's middle half▲ 69.4%-€25,806below the sector's middle half▲ 3.6%
Solvency-326.2%below the sector's middle half▲ 172.3pp-252.8%below the sector's middle half▲ 73.3pp-203.7%below the sector's middle half▲ 49.1pp-162.6%below the sector's middle half▲ 41.2pp-42.5%below the sector's middle half▲ 120.1pp
Current ratio0.31below the sector's middle half▲ 0.130.46below the sector's middle half▲ 0.150.49below the sector's middle half▲ 0.030.76below the sector's middle half▲ 0.270.84below the sector's middle half▲ 0.08
Return on assets (ROA)85.5%above the sector's middle half▼ 20.6pp82.9%above the sector's middle half▼ 2.6pp89.3%above the sector's middle half▲ 6.4pp57.6%above the sector's middle half▼ 31.7pp36.1%above the sector's middle half▼ 21.6pp
Staff (FTE)0.1▼ 66.7%1▲ 900%0.1▼ 90.0%0.9▲ 800%1.1▲ 22.2%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191,048
Fixed assets
€54,530 ▲ 577%
Current assets
€136,518 ▲ 62.1%
Key figures and ratios
EBITDA
€77,671▲
2024 · €64,831
Cash flow
€74,547▲
2024 · €60,610
Quick ratio
0.40▼
2024 · 0.46
Debt to equity
-3.35▼
2024 · -1.62
Interest coverage
11.42▲
2024 · 6.81
Debt ≤ 1 year
€162,323▲
2024 · €110,997
Debt > 1 year
€109,874▼
2024 · €131,324
Income taxes
€323▲
2024 · €305
Staff costs
€36,826▲
2024 · €26,833
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 3,798 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €4,325 | €399 | €26,833 | €36,826 | ▲ 37.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €842 | €7,542 | €6,683 | €7,437 | €5,663 | ▼ 23.9% |
| Other operating charges640/8 | - | €2,079 | €1,559 | €2,850 | €1,373 | ▼ 51.8% |
| Gross operating margin9900 | €112,189 | €115,348 | €104,096 | €94,514 | €115,869 | ▲ 22.6% |
| Operating profit (loss)9901 | €109,808 | €101,402 | €95,456 | €57,394 | €72,008 | ▲ 25.5% |
| Financial income75/76B | - | €3,281 | €3,021 | €5,597 | €4,000 | ▼ 28.5% |
| Recurring financial income75 | €1,656 | €3,281 | €3,021 | €5,597 | €4,000 | ▼ 28.5% |
| Financial charges65/66B | - | €8,606 | €9,127 | €9,513 | €6,801 | ▼ 28.5% |
| Recurring financial charges65 | €9,433 | €8,606 | €9,127 | €9,513 | €6,801 | ▼ 28.5% |
| Profit (loss) for the period before taxes9903 | €102,031 | €96,077 | €89,350 | €53,478 | €69,207 | ▲ 29.4% |
| Income taxes67/77 | €313 | €272 | €293 | €305 | €323 | ▲ 5.9% |
| Profit (loss) for the period9904 | €101,718 | €95,805 | €89,056 | €53,173 | €68,884 | ▲ 29.5% |
| Profit (loss) for the period to be appropriated9905 | €101,718 | €95,805 | €89,056 | €53,173 | €68,884 | ▲ 29.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118,984 | €115,608 | €99,746 | €92,287 | €191,048 | ▲ 107% |
| Fixed assets21/28 | €28,987 | €21,082 | €14,399 | €8,058 | €54,530 | ▲ 577% |
| Tangible fixed assets22/27 | €22,007 | €14,465 | €7,782 | €1,441 | €47,913 | ▲ 3,225% |
| Land and buildings22 | - | €12,842 | €6,700 | €0 | - | - |
| Furniture and vehicles24 | - | - | - | €900 | €535 | ▼ 40.6% |
| Leasing and similar rights25 | - | - | - | - | €47,379 | - |
| Other tangible fixed assets26 | - | €1,623 | €1,082 | €541 | €0 | ▼ 100% |
| Financial fixed assets28 | €6,980 | €6,617 | €6,617 | €6,617 | €6,617 | = |
| Current assets29/58 | €89,997 | €94,526 | €85,347 | €84,229 | €136,518 | ▲ 62.1% |
| Stocks and contracts in progress3 | €41,984 | €45,123 | €49,500 | €33,565 | €70,953 | ▲ 111% |
| Stocks30/36 | - | €45,123 | €49,500 | €33,565 | €70,953 | ▲ 111% |
| Amounts receivable within one year40/41 | €6,159 | €1,846 | €0 | €1,105 | €730 | ▼ 34.0% |
| Trade receivables40 | - | €0 | - | €742 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €1,846 | €0 | €363 | €730 | ▲ 101% |
| Cash at bank and in hand54/58 | €40,495 | €46,930 | €34,828 | €48,474 | €64,740 | ▲ 33.6% |
| Deferred charges and accrued income490/1 | - | €627 | €1,019 | €1,086 | €95 | ▼ 91.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118,984 | €115,608 | €99,746 | €92,287 | €191,048 | ▲ 107% |
| Equity10/15 | -€388,068 | -€292,263 | -€203,206 | -€150,034 | -€81,150 | ▲ 45.9% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €492,859 | €492,859 | €492,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €0 | - | - |
| Distributable reserves133 | - | €491,000 | €491,000 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€899,519 | -€803,714 | -€714,658 | -€170,485 | -€101,601 | ▲ 40.4% |
| Amounts payable17/49 | €507,052 | €407,870 | €302,952 | €242,321 | €272,198 | ▲ 12.3% |
| Amounts payable after more than one year17 | €220,738 | €203,942 | €130,000 | €131,324 | €109,874 | ▼ 16.3% |
| Financial debts170/4 | - | - | - | €36,324 | €49,874 | ▲ 37.3% |
| Other amounts payable178/9 | - | €203,942 | €130,000 | €95,000 | €60,000 | ▼ 36.8% |
| Amounts payable within one year42/48 | €286,314 | €203,928 | €172,952 | €110,997 | €162,323 | ▲ 46.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €22,729 | €33,780 | ▲ 48.6% |
| Financial debts43 | - | €170,000 | €100,000 | €25,000 | €25,000 | = |
| Credit institutions430/8 | - | €170,000 | €100,000 | €25,000 | €25,000 | = |
| Trade debts44 | €17,427 | €15,804 | €22,334 | €18,374 | €56,849 | ▲ 209% |
| Suppliers440/4 | - | €15,804 | €22,334 | €18,374 | €56,849 | ▲ 209% |
| Taxes, remuneration and social security45 | - | €924 | €1,820 | €4,846 | €11,747 | ▲ 142% |
| Taxes450/3 | - | €272 | €1,820 | €2,935 | €9,611 | ▲ 227% |
| Remuneration and social security454/9 | - | €653 | €0 | €1,911 | €2,137 | ▲ 11.8% |
| Other amounts payable47/48 | - | €17,200 | €48,799 | €40,047 | €34,947 | ▼ 12.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101,718 | €95,805 | €89,056 | €53,173 | €68,884 | ▲ 29.5% |
| + Depreciation and write-downs630 | €842 | €7,542 | €6,683 | €7,437 | €5,663 | ▼ 23.9% |
| Operating cash flow (approximation) | €102,560 | €103,347 | €95,739 | €60,610 | €74,547 | ▲ 23.0% |
| Investment in fixed assets (approximation) | - | €363 | €0 | -€1,096 | -€52,135 | ▼ 4,657% |
| Change in cash | - | €6,435 | -€12,102 | €13,646 | €16,266 | ▲ 19.2% |
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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
Financial
Highest result since 2019net €104,199 ▲431%
Operating result €110,459, net result €104,199, both a record.
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-02
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 9 acts read
About the unread acts
We know of 9 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
9 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, Genk · 1 establishment unit since 2004
Ground area
158 m²
Building footprint
158 m²
Volume, LiDAR
1,506 m³
Parcel 71016I0928/00V000, Flanders · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Easy Bis
since 20042.135.130.544
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I0928/00V000 | Flanders | 158 m² | 1 · 158 m² | 15.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2022 to 2025 · 4 entries · 9,288 EUR awarded · 9,288 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,120 EUR | 2,120 EUR |
| 2024 | 1 | 5,704 EUR | 5,704 EUR |
| 2023 | 1 | 381 EUR | 381 EUR |
| 2022 | 1 | 1,083 EUR | 1,083 EUR |
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 687 companies in sector 46412 we hold annual accounts for 518. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-03-1993
Fiscal year end31-07
Activities, NACEBEL 2025
46412Wholesale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46425Wholesale trade
47512Retail sale of household textiles and bedding
47721Retail sale of footwear
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449622120
Also
9925:BE0449622120
Registered
26-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.