ELLE-A
ActiveELLE-A has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €271k and a net result of €78k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 3.03 in 2024), and 32.3% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.7%
Return on assets
19.5%
Age of the figures
9 mo
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 15-04-2026, 107 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
107 d early
2024
7 d late
2023
61 d late
2022
97 d early
2021
81 d early
2020
122 d early
2019
123 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€271k▲ 40.5%
2024 · €193k
2018: €90k
2019: €84k
2020: €93k
2021: €29k
2022: €30k
2023: €130k
2024: €193k
2018 → 2025
Total assets
€401k▲ 40.5%
2024 · €286k
2018: €111k
2019: €100k
2020: €117k
2021: €53k
2022: €70k
2023: €284k
2024: €286k
2018 → 2025
Net result
€78k▲ 23.9%
2024 · €63k
2018: €3k
2019: €-6k
2020: €9k
2021: €2k
2022: €1k
2023: €100k
2024: €63k
2018 → 2025
Working capital
€263k▲ 40.2%
2024 · €188k
2018: €79k
2019: €77k
2020: €91k
2021: €25k
2022: €28k
2023: €124k
2024: €188k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€30k▲ 5.0%€130k▲ 331%€193k▲ 48.5%€271k▲ 40.5%
Operating result€9k-€6k▼ 37.9%€154k▲ 2,625%€105k▼ 31.9%€115k▲ 10.0%
Net result€2k-€1k▼ 39.9%€100k▲ 6,893%€63k▼ 36.8%€78k▲ 23.9%
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 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €401k
Fixed assets
€8k▲ 47.8%
Current assets
€393k▲ 40.4%
Equity and liabilities €401k
Equity
€271k▲ 40.5%
Debt
€130k▲ 40.7%
The debt ratio stays at 32.3%.
Key figures and ratios
EBITDA
€117k▲
2024 · €107k
Cash flow
€80k▲
2024 · €65k
Solvency
67.7%▼
2024 · 67.7%
Current ratio
3.03▼
2024 · 3.03
Quick ratio
3.03▼
2024 · 3.03
Debt / equity
0.48▲
2024 · 0.48
ROE
28.8%▼
2024 · 32.7%
ROA
19.5%▼
2024 · 22.1%
Interest coverage
116.77▼
2024 · 157.73
Debt
€130k▲
2024 · €92k
Debt ≤ 1 year
€130k▲
2024 · €92k
Income taxes
€39k▼
2024 · €43k
Staff costs
€486k▲
2024 · €390k
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€286k€401k▲
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€5k€8k▲
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€300€300=
Current assets29/58€280k€393k▲
Amounts receivable within one year40/41€92k€127k▲
Trade receivables40€70k€100k▲
Other amounts receivable41€22k€27k▲
Cash at bank and in hand54/58€184k€261k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€286k€401k▲
Equity10/15€193k€271k▲
Contributions10/11€6k€6k=
Reserves13€187k€265k▲
Distributable reserves133€187k€265k▲
Amounts payable17/49€92k€130k▲
Amounts payable within one year42/48€92k€130k▲
Financial debts43€144€202▲
Credit institutions430/8€144€202▲
Trade debts44€3k€9k▲
Suppliers440/4€3k€9k▲
Taxes, remuneration and social security45€89k€121k▲
Taxes450/3€13k€26k▲
Remuneration and social security454/9€76k€95k▲
Income statement
Code20242025
Remuneration, social security and pensions62€390k€486k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€498k€604k▲
Operating profit (loss)9901€105k€115k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€676€1k▲
Recurring financial charges65€676€1k▲
Profit (loss) for the period before taxes9903€107k€117k▲
Income taxes67/77€43k€39k▼
Profit (loss) for the period9904€63k€78k▲
Profit (loss) for the period to be appropriated9905€63k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€78k▲
Transfer to equity691/2€63k€78k▲
To other reserves6921€63k€78k▲
The notes to these accounts (8 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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €271k ▲40.5%
6 profitable years in a row build equity to €271k.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Equity above €150kEq €193k ▲48.5%
5 profitable years in a row build equity to €193k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €100k ▲6893%
Operating result €154k, net result €100k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲331%
4 profitable years in a row build equity to €130k.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-6k ▼297%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
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.
Directors · office · real estate
Directors
5 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, Brugge · 5 establishment units since 2007
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.
Koning Albert I-laan 2078200 BruggeGround area
3,495 m²
Building footprint
3,199 m²
Volume, LiDAR
20,156 m³
6 parcels, Flanders · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
5 establishment units
Veritas
since 20072.165.008.920
Kerkstraat 43, 8370 Blankenberge
since 20232.342.645.614
Adolf Buylstraat 17, 8400 Oostende
since 20232.342.645.713
Torhoutsesteenweg 688, 8400 Oostende
since 20232.347.980.119
Veritas Bredene
since 20252.376.364.002
6 parcels
Flanders
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35302D0062/00G000 | Flanders | 1,266 m² | 1 · 1,266 m² | 7.3 m · 2 fl. |
| 31030A0452/00T002 | Flanders | 861 m² | 1 · 238 m² | 6.8 m · 1 fl. |
| 35020A0326/00H000 | Flanders | 514 m² | 1 · 916 m² | 8.8 m |
| 31004A0315/00N000 | Flanders | 362 m² | 1 · 362 m² | 21.4 m · 6 fl. |
| 35013A0066/00K000 | Flanders | 324 m² | 1 · 324 m² | 20.0 m · 5 fl. |
| 44011A0913/00X002 | Flanders | 167 m² | 1 · 93 m² | 12.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 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
2024 to 2025 · 2 entries · 12,475 EUR awarded · 12,475 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,078 EUR | 6,078 EUR |
| 2024 | 1 | 6,397 EUR | 6,397 EUR |
Schemes
Individueel Maatwerk
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Of 6,459 companies in sector 47716 we hold annual accounts for 2,420. 1,672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2007
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47789Other retail sale of new goods
52421
52498
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47715Retail trade
51160
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.