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Elle & M's

Active
Private limited companyfounded 2013active for 13 yearsLuxemburgstraat 20, 9140 Temse, Belgium319 active companies are registered at this addressKBO/BCE: BE 0534.437.435
Summary

The computed 12-month bankruptcy probability of Elle & M's is 3.3% (moderate). The 2025 annual accounts show negative equity (-€3,610) and a net result of €716. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 9,617 sector peers (NACE 82, financial year 2025). The company has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals.

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Elle & M'sActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
Other business support services
NACE 82990
1 site
Size
€124,307total assets 2025
Equity
-€3,610
Profit
€716
Turnover not published (micro format)
Financial health
49 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.3%
Structure
Parent
MAX & LO COMPANY · 98%
Holdings
1
Accounts filed 61 days late1 of 5 deeds read
Why 49raises risk1 change of registered office in 24 monthsLatest accounts 61 days late; 1 of the last 3 lateNegative equity -€3,610lowers riskSize: total assets €124,307Show the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 31% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 22=
equity -2.9% of total assets
Liquidity 5-1
short-term debt 102.4% · cash 3.6%
Profitability 39-30
return on assets 0.6%
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,222 companies, NACE 47, micro)
Last 24 months 11-2024: 1.6% 12-2024: 1.6%● unchanged vs 11-2024 01-2025: 1.6%● unchanged vs 12-2024 02-2025: 1.3%▼ -0.3 percentage points vs 01-2025 03-2025: 1.3%● unchanged vs 02-2025 04-2025: 1.3%● unchanged vs 03-2025 05-2025: 1.3%● unchanged vs 04-2025 06-2025: 1.2%▼ -0.1 percentage points vs 05-2025 07-2025: 1.4%▲ +0.2 percentage points vs 06-2025 08-2025: 1.9%▲ +0.5 percentage points vs 07-2025 09-2025: 2.1%▲ +0.2 percentage points vs 08-2025 10-2025: 0.9%▼ -1.2 percentage points vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.9%● unchanged vs 01-2026 03-2026: 0.9%● unchanged vs 02-2026 04-2026: 0.9%● unchanged vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026lowest value 07-2026: 0.9%● unchanged vs 06-2026 08-2026: 3.6%▲ +2.7 percentage points vs 07-2026 09-2026: 4.3%▲ +0.7 percentage points vs 08-2026highest value 10-2026: 3.3%▼ -1.0 percentage point vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.97, compared with 0.96 in 2024, below 1; short-term debt: 102.4% and cash: 3.6% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 18% on solvency, 7% on liquidity, 29% on profitability and 69% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Latest accounts 61 days late; 1 of the last 3 late
NBB · filings
raises risk · Negative equity -€3,610
NBB · annual accounts
lowers risk · Size: total assets €124,307
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9617 sector peers (2025).
NBB · sector comparison
Position among 9617 sector peers
Solvency
better than 13%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
61 days late
2024
30 days late
2023
30 days late
2022
32 days late
2021
31 days late
2021
28 days late
2020
1 day 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 30 days after the deadline; the sector median (NACE 82) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Registered office · Other addressesRegistered-office move · Director in…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€3,610 View
  • Caution: Among the weakest 12% on equitysector median €54,101 · 9,628 companies -€3,610 View
  • Caution: Latest accounts filed lateafter the legal deadline 61 days View
  • Controlled by MAX & LO COMPANY 98% View

By topic

Financials

Financial year
2025
Total assets
€124,307
Profit
€716
Solvency
-2.9%
Total assets▼ 26.5%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-07-2027
  1. 30-08-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 01-09-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other business support servicesNACE 82990
Founded
14-05-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Elle & M's

What is the company number of Elle & M's?
0534.437.435. In Belgium the VAT number is the company number with BE in front: BE 0534.437.435.
Where is Elle & M's based?
The registered office is at Luxemburgstraat 20, 9140 Temse.Company details
What does Elle & M's do?
According to the KBO register, the main activity is other business support services (NACE 82990).
What is the legal form of Elle & M's?
Private limited company (BV).
When was Elle & M's founded?
On 14-05-2013.
Is Elle & M's still active?
Yes, Elle & M's is an active enterprise in the KBO register.
How many employees does Elle & M's have?
On average 1 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
What is the turnover of Elle & M's?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Elle & M's profitable?
In financial year 2025, Elle & M's made a profit of €716.
Where can I find the annual accounts of Elle & M's?
Elle & M's filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Elle & M's due?
By 31-07-2027, for financial year 2026.Timeline

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