EDICT
ActiveSummary
EDICT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€14,521) and a net result of -€22,893. Equity is shrinking by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 12% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-77
Solvency0▼-43
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 0.74 in 2024; short-term debt: 157.5% 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
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
-57.5%
Return on assets
-90.6%
Age of the figures
9 mo
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 →
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€14,521
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
30 d early
2022
28 d early
2021
33 d early
2020
33 d early
2019
12 d late
← 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 25 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€14,521
2024 · €8,372
Total assets
€25,274▼ 44.8%
2024 · €45,809
Net result
-€22,893
2024 · €2,877
Working capital
-€33,147▼ 240%
2024 · -€9,744
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,956€3,474▲ 17.5%-€20,223€3,468-€22,526
Net result€2,147within the sector's middle half€2,858within the sector's middle half▲ 33.1%-€20,870below the sector's middle half€2,877within the sector's middle half-€22,893below the sector's middle half
Equity€23,507within the sector's middle half▲ 10.1%€26,365within the sector's middle half▲ 12.2%€5,496within the sector's middle half▼ 79.2%€8,372within the sector's middle half▲ 52.3%-€14,521below the sector's middle half
Total assets€31,077below the sector's middle half▲ 12.5%€37,044below the sector's middle half▲ 19.2%€20,270below the sector's middle half▼ 45.3%€45,809below the sector's middle half▲ 126%€25,274below the sector's middle half▼ 44.8%
Debt€7,570▲ 20.8%€10,679▲ 41.1%€14,774▲ 38.4%€37,436▲ 153%€39,795▲ 6.3%
Working capital€11,061within the sector's middle half▲ 105%€12,203within the sector's middle half▲ 10.3%-€9,462within the sector's middle half-€9,744within the sector's middle half▼ 3.0%-€33,147below the sector's middle half▼ 240%
Solvency75.6%above the sector's middle half▼ 1.7pp71.2%above the sector's middle half▼ 4.5pp27.1%within the sector's middle half▼ 44.1pp18.3%within the sector's middle half▼ 8.8pp-57.5%below the sector's middle half▼ 75.7pp
Current ratio2.46within the sector's middle half▲ 0.602.14within the sector's middle half▼ 0.320.36below the sector's middle half▼ 1.780.74below the sector's middle half▲ 0.380.17below the sector's middle half▼ 0.57
Return on assets (ROA)6.9%within the sector's middle half▲ 96.0pp7.7%within the sector's middle half▲ 0.8pp-103.0%below the sector's middle half▼ 110.7pp6.3%within the sector's middle half▲ 109.2pp-90.6%below the sector's middle half▼ 96.9pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22,526 after €3,468 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,274
Fixed assets
€18,626 ▲ 2.8%
Current assets
€6,648 ▼ 76.0%
Key figures and ratios
EBITDA
-€17,644▼
2024 · €6,235
Cash flow
-€18,011▼
2024 · €5,644
Debt to equity
-2.74▼
2024 · 4.47
Interest coverage
-89.10▼
2024 · 22.39
Debt ≤ 1 year
€39,795▲
2024 · €37,436
Income taxes
€181▼
2024 · €318
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% 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 6,940 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,513 | €3,154 | €3,047 | €2,767 | €4,882 | ▲ 76.5% |
| Other operating charges640/8 | €2,201 | €1,008 | €998 | €968 | €600 | ▼ 38.0% |
| Gross operating margin9900 | €8,670 | €7,636 | -€16,178 | €7,202 | -€17,045 | ▼ 337% |
| Operating profit (loss)9901 | €2,956 | €3,474 | -€20,223 | €3,468 | -€22,526 | ▼ 750% |
| Financial income75/76B | €106 | €213 | - | €5 | €12 | ▲ 133% |
| Recurring financial income75 | €106 | €213 | - | €5 | €12 | ▲ 133% |
| Financial charges65/66B | €670 | €505 | €319 | €278 | €198 | ▼ 28.9% |
| Recurring financial charges65 | €670 | €505 | €319 | €278 | €198 | ▼ 28.9% |
| Profit (loss) for the period before taxes9903 | €2,392 | €3,182 | -€20,542 | €3,194 | -€22,712 | ▼ 811% |
| Income taxes67/77 | €245 | €324 | €328 | €318 | €181 | ▼ 43.0% |
| Profit (loss) for the period9904 | €2,147 | €2,858 | -€20,870 | €2,877 | -€22,893 | ▼ 896% |
| Profit (loss) for the period to be appropriated9905 | €2,147 | €2,858 | -€20,870 | €2,877 | -€22,893 | ▼ 896% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31,077 | €37,044 | €20,270 | €45,809 | €25,274 | ▼ 44.8% |
| Fixed assets21/28 | €12,446 | €14,162 | €14,958 | €18,116 | €18,626 | ▲ 2.8% |
| Tangible fixed assets22/27 | €12,446 | €14,162 | €14,958 | €18,116 | €18,626 | ▲ 2.8% |
| Land and buildings22 | - | - | €3,581 | €3,197 | €2,813 | ▼ 12.0% |
| Plant, machinery and equipment23 | €2,281 | €795 | - | €5,533 | €4,348 | ▼ 21.4% |
| Furniture and vehicles24 | - | - | - | - | €4,070 | - |
| Other tangible fixed assets26 | €10,165 | €13,367 | €11,377 | €9,386 | €7,395 | ▼ 21.2% |
| Current assets29/58 | €18,630 | €22,882 | €5,312 | €27,692 | €6,648 | ▼ 76.0% |
| Amounts receivable within one year40/41 | €10,743 | €11,891 | €525 | - | €6,648 | - |
| Trade receivables40 | €8,496 | €7,965 | - | - | €6,446 | - |
| Other amounts receivable41 | €2,247 | €3,926 | €525 | - | €202 | - |
| Cash at bank and in hand54/58 | €7,732 | €10,991 | €4,787 | €27,692 | - | - |
| Deferred charges and accrued income490/1 | €156 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31,077 | €37,044 | €20,270 | €45,809 | €25,274 | ▼ 44.8% |
| Equity10/15 | €23,507 | €26,365 | €5,496 | €8,372 | -€14,521 | ▼ 273% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €26,849 | €26,849 | €26,849 | €26,849 | €26,849 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €24,989 | €24,989 | €26,849 | €26,849 | €26,849 | = |
| Profit (loss) carried forward14 | -€21,941 | -€19,083 | -€39,953 | -€37,076 | -€59,970 | ▼ 61.7% |
| Amounts payable17/49 | €7,570 | €10,679 | €14,774 | €37,436 | €39,795 | ▲ 6.3% |
| Amounts payable within one year42/48 | €7,570 | €10,679 | €14,774 | €37,436 | €39,795 | ▲ 6.3% |
| Financial debts43 | - | - | - | - | €5,191 | - |
| Credit institutions430/8 | - | - | - | - | €5,191 | - |
| Trade debts44 | €3,679 | €9,192 | €1,537 | €1,731 | - | - |
| Suppliers440/4 | €3,679 | €9,192 | €1,537 | €1,731 | - | - |
| Taxes, remuneration and social security45 | €3,891 | €1,487 | €3,487 | €4,006 | €571 | ▼ 85.7% |
| Taxes450/3 | €3,891 | €1,487 | €328 | €4,006 | €571 | ▼ 85.7% |
| Remuneration and social security454/9 | - | - | €3,159 | - | - | - |
| Other amounts payable47/48 | - | - | €9,751 | €31,699 | €34,032 | ▲ 7.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,147 | €2,858 | -€20,870 | €2,877 | -€22,893 | ▼ 896% |
| + Depreciation and write-downs630 | €3,513 | €3,154 | €3,047 | €2,767 | €4,882 | ▲ 76.5% |
| Operating cash flow (approximation) | €5,660 | €6,012 | -€17,822 | €5,644 | -€18,011 | ▼ 419% |
| Investment in fixed assets (approximation) | - | -€4,870 | -€3,843 | -€5,925 | -€5,392 | ▲ 9.0% |
| Change in cash | - | €3,259 | -€6,204 | €22,906 | - | - |
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
03-09
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Registered-office move, Oudestraat 3, 3520 Zonhoven
- Board meeting, 25-08-2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2,877
Net result €2,877 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2,147
Net result €2,147 after 3 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€24,617
Net result drops to -€24,617, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 6.35
Current ratio from 3.08 to 6.35; short-term debt falls from €17,402 to €6,597.
Show earlier events
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zonhoven · 1 establishment unit since 2007
Ground area
6,081 m²
Building footprint
306 m²
Volume, LiDAR
1,209 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BCK
since 20072.165.272.996
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066A0511/00B000 | Flanders | 4,886 m² | 1 · 214 m² | 3.9 m · 1 fl. |
| 71323C1245/00T002 | Flanders | 1,195 m² | 1 · 93 m² | 10.5 m · 2 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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Of 504 companies in sector 47713 we hold annual accounts for 195. 105 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-09-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47713Retail trade
46412Wholesale of household textiles and bedding
46423Wholesale of clothing, excluding workwear and underwear
47714Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0892115433
Registered
12-06-2025
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.