ELLE & TATI

Active

Private limited companyfounded 20205 yrs activeKonijntje 1, 9910 Aalter, BelgiumKBO/BCE: BE 0759.990.248

The computed 12-month bankruptcy probability of ELLE & TATI is 2.0% (moderate). The 2025 annual accounts show equity of €247k and a net result of €52k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 5495 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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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▲+4

Growth52=

Stability94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity ample (current ratio 8.72 against 3.02 in 2024), and 30.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

69.3%

Return on assets

14.5%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

8 d early

2024

10 d early

2023

2 d early

2022

4 d early

2021

7 d early

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€247k▲ 26.4%

2024 · €195k

2021: €119k 2022: €125k 2023: €185k 2024: €195k

2021 → 2025

Total assets

€356k▼ 2.9%

2024 · €366k

2021: €267k 2022: €287k 2023: €317k 2024: €366k

2021 → 2025

Net result

€52k▲ 28.6%

2024 · €40k

2021: €104k 2022: €40k 2023: €60k 2024: €40k

2021 → 2025

Working capital

€253k▲ 30.4%

2024 · €194k

2021: €183k 2022: €106k 2023: €176k 2024: €194k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€119k-€125k▲ 5.2%€185k▲ 48.4%€195k▲ 5.5%€247k▲ 26.4%

Operating result€136k-€45k▼ 66.9%€84k▲ 87.9%€54k▼ 35.9%€74k▲ 37.3%

Net result€104k-€40k▼ 61.1%€60k▲ 50.0%€40k▼ 33.5%€52k▲ 28.6%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 37% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €356k

19.6%

80.4%

Fixed assets €70k▼ 8.1%

Current assets €286k▼ 1.5%

Equity and liabilities €356k

69.3%

30.7%

Equity €247k▲ 26.4%

Debt €109k▼ 36.3%

The debt ratio falls from 46.7% to 30.7%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€86k▲

2024 · €64k

Cash flow

€63k▲

2024 · €50k

Solvency

69.3%▲

2024 · 53.3%

Current ratio

8.72▲

2024 · 3.02

Quick ratio

5.76▲

2024 · 1.98

Debt / equity

0.44▼

2024 · 0.88

ROE

20.9%▲

2024 · 20.6%

ROA

14.5%▲

2024 · 11.0%

Interest coverage

34.14▲

2024 · 20.79

Debt

€109k▼

2024 · €171k

Debt ≤ 1 year

€33k▼

2024 · €96k

Debt > 1 year

€75k=

2024 · €75k

Income taxes

€20k▲

2024 · €11k

Staff costs

€126k▼

2024 · €142k

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€366k€356k▼

Fixed assets21/28€76k€70k▼

Tangible fixed assets22/27€62k€56k▼

Furniture and vehicles24€3k€5k▲

Other tangible fixed assets26€59k€51k▼

Financial fixed assets28€14k€14k▲

Current assets29/58€290k€286k▼

Stocks and contracts in progress3€100k€97k▼

Stocks30/36€100k€97k▼

Amounts receivable within one year40/41€11k€8k▼

Trade receivables40€861€1k▲

Other amounts receivable41€10k€7k▼

Cash at bank and in hand54/58€177k€179k▲

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€366k€356k▼

Equity10/15€195k€247k▲

Contributions10/11€15k€15k=

Reserves13€180k€232k▲

Distributable reserves133€180k€232k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€171k€109k▼

Amounts payable after more than one year17€75k€75k=

Financial debts170/4€75k€75k=

Amounts payable within one year42/48€96k€33k▼

Trade debts44€36k€6k▼

Suppliers440/4€36k€6k▼

Taxes, remuneration and social security45€30k€25k▼

Taxes450/3€11k€10k▼

Remuneration and social security454/9€18k€15k▼

Other amounts payable47/48€30k€2k▼

Accrued charges and deferred income492/3€0€1k▲

Income statement Code20242025

Remuneration, social security and pensions62€142k€126k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲

Other operating charges640/8€1k€2k▲

Non-recurring operating charges66A€0-

Gross operating margin9900€208k€213k▲

Operating profit (loss)9901€54k€74k▲

Financial income75/76B€77€20▼

Recurring financial income75€77€20▼

Financial charges65/66B€3k€3k▼

Recurring financial charges65€3k€3k▼

Profit (loss) for the period before taxes9903€51k€72k▲

Income taxes67/77€11k€20k▲

Profit (loss) for the period9904€40k€52k▲

Profit (loss) for the period to be appropriated9905€40k€52k▲

Appropriation of the result

Profit (loss) to be appropriated9906€40k€52k▲

Transfer to equity691/2€10k€52k▲

To other reserves6921€10k€52k▲

Profit to be distributed694/7€30k€0▼

Return on contributions (dividend)694€30k€0▼

Social balance

Average headcount (FTE)90872.32.2▼

The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

23-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Liquidity triplescurrent ratio 8.72

Current ratio from 3.02 to 8.72; short-term debt falls from €96k to €33k.

31-12

Financial Equity above €200kEq €247k ▲26.4%

5 profitable years in a row build equity to €247k.

21-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Weakest financial yearnet €40k ▼33.5%

Net result drops to €40k, the lowest in the series; recovery starts the following year.

29-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Equity above €150kEq €185k ▲48.4%

3 profitable years in a row build equity to €185k.

27-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

24-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Aalter · 2 establishment units since 2021

establishment approximate All 2 establishment units on the map

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.

Konijntje 19910 Aalter

Ground area

524 m²

Building footprint

571 m²

Volume, LiDAR

3,050 m³

2 parcels, Flanders · tallest building 20.5 m, ±4 floors. Linked by address, not a title deed.

2 establishment units

AAP-NOOT-MIES

Kalandestraat 2, 9000 GentWholesale trade

since 20212.311.429.529

ELLE & TATI

Konijntje 1, 9910 AalterFinancial service activities, except insurance and pension funding

since 20212.311.429.628

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44067A0485/00C000	Flanders	468 m²	1 · 468 m²	8.7 m · 1 fl.
44803C1103/00_000indicative ProtectedMonumentBank van de ArbeidSource ↗	Flanders	55 m²	1 · 103 m²	20.5 m · 4 fl.