Epicuria Sélection
ActiveSummary
The computed 12-month bankruptcy probability of Epicuria Sélection is 2.4% (moderate). The 2025 annual accounts show equity of €554,340 and a net result of €41,859. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 10429 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability43▲+8
Solvency50▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.17 against 2.29 in 2024; short-term debt: 45.7% and cash: 0.2% of total assets), but 74.5% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
25.5%
Return on assets
1.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
12 d late
2024
6 d early
2023
54 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 16 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€41,859▲ 283%
2024 · €10,918
Working capital
€1.2m▼ 3.1%
2024 · €1.2m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€159,268-€74,441▼ 53.3%€105,606▲ 41.9%
Net result€101,564-€10,918▼ 89.3%€41,859▲ 283%
Equity€501,564-€512,482▲ 2.2%€554,340▲ 8.2%
Total assets€1.8m-€2.1m▲ 21.0%€2.2m▲ 1.5%
Debt€1.3m-€1.6m▲ 28.4%€1.6m▼ 0.6%
Working capital€1.1m-€1.2m▲ 4.6%€1.2m▼ 3.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€19,387 ▲ 2.1%
Current assets
€2.2m ▲ 1.5%
Equity and liabilities €2.2m
Equity
€554,340 ▲ 8.2%
Debt
€1.6m ▼ 0.6%
Debt's share of the balance-sheet total falls from 76.1% to 74.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€108,567▲
2024 · €76,996
Cash flow
€44,820▲
2024 · €13,472
Current ratio
2.17▼
2024 · 2.29
Quick ratio
0.15▼
2024 · 0.27
Debt to equity
2.93▼
2024 · 3.19
ROE
7.6%▲
2024 · 2.1%
ROA
1.9%▲
2024 · 0.5%
Interest coverage
2.62▲
2024 · 1.90
Debt ≤ 1 year
€995,449▲
2024 · €927,657
Debt > 1 year
€627,169▼
2024 · €704,183
Income taxes
€22,367▼
2024 · €22,922
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €944 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,929 | €2,554 | €2,961 | ▲ 15.9% |
| Other operating charges640/8 | €59,776 | €25,707 | €28,184 | ▲ 9.6% |
| Non-recurring operating charges66A | €7,140 | €7,120 | - | - |
| Gross operating margin9900 | €229,113 | €109,822 | €136,751 | ▲ 24.5% |
| Operating profit (loss)9901 | €159,268 | €74,441 | €105,606 | ▲ 41.9% |
| Financial income75/76B | €1,639 | €13 | €130 | ▲ 892% |
| Recurring financial income75 | €1,639 | €13 | €130 | ▲ 892% |
| Financial charges65/66B | €36,430 | €40,614 | €41,510 | ▲ 2.2% |
| Recurring financial charges65 | €36,430 | €40,614 | €41,510 | ▲ 2.2% |
| Profit (loss) for the period before taxes9903 | €124,477 | €33,840 | €64,226 | ▲ 89.8% |
| Income taxes67/77 | €22,913 | €22,922 | €22,367 | ▼ 2.4% |
| Profit (loss) for the period9904 | €101,564 | €10,918 | €41,859 | ▲ 283% |
| Profit (loss) for the period to be appropriated9905 | €101,564 | €10,918 | €41,859 | ▲ 283% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.8m | €2.1m | €2.2m | ▲ 1.5% |
| Fixed assets21/28 | €20,203 | €18,989 | €19,387 | ▲ 2.1% |
| Tangible fixed assets22/27 | €14,665 | €13,501 | €13,900 | ▲ 3.0% |
| Plant, machinery and equipment23 | €13,484 | €11,637 | €9,791 | ▼ 15.9% |
| Furniture and vehicles24 | €1,181 | €1,863 | €4,109 | ▲ 121% |
| Financial fixed assets28 | €5,538 | €5,488 | €5,488 | = |
| Current assets29/58 | €1.8m | €2.1m | €2.2m | ▲ 1.5% |
| Stocks and contracts in progress3 | €1.5m | €1.9m | €2.0m | ▲ 7.1% |
| Stocks30/36 | €1.5m | €1.9m | €2.0m | ▲ 7.1% |
| Amounts receivable within one year40/41 | €196,245 | €248,512 | €143,830 | ▼ 42.1% |
| Trade receivables40 | €196,245 | €248,510 | €143,819 | ▼ 42.1% |
| Other amounts receivable41 | - | €2 | €10 | ▲ 350% |
| Cash at bank and in hand54/58 | €12,001 | €1,646 | €4,489 | ▲ 173% |
| Deferred charges and accrued income490/1 | €1,334 | €1,232 | €1,431 | ▲ 16.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.8m | €2.1m | €2.2m | ▲ 1.5% |
| Equity10/15 | €501,564 | €512,482 | €554,340 | ▲ 8.2% |
| Contributions10/11 | €400,000 | €400,000 | €400,000 | = |
| Reserves13 | - | €10,918 | €52,777 | ▲ 383% |
| Distributable reserves133 | - | €10,918 | €52,777 | ▲ 383% |
| Profit (loss) carried forward14 | €101,564 | €101,564 | €101,564 | = |
| Amounts payable17/49 | €1.3m | €1.6m | €1.6m | ▼ 0.6% |
| Amounts payable after more than one year17 | €664,866 | €704,183 | €627,169 | ▼ 10.9% |
| Financial debts170/4 | €664,866 | €704,183 | €627,169 | ▼ 10.9% |
| Amounts payable within one year42/48 | €607,292 | €927,657 | €995,449 | ▲ 7.3% |
| Current portion of amounts payable after more than one year42 | €81,627 | €102,364 | €144,812 | ▲ 41.5% |
| Financial debts43 | €40,000 | €40,000 | €40,000 | = |
| Other loans439 | €40,000 | €40,000 | €40,000 | = |
| Trade debts44 | €301,499 | €329,349 | €179,593 | ▼ 45.5% |
| Suppliers440/4 | €301,499 | €329,349 | €179,593 | ▼ 45.5% |
| Advances received on contracts in progress46 | - | - | €1,892 | - |
| Taxes, remuneration and social security45 | €89,969 | €97,967 | €109,704 | ▲ 12.0% |
| Taxes450/3 | €89,969 | €97,967 | €109,704 | ▲ 12.0% |
| Other amounts payable47/48 | €94,198 | €357,978 | €519,449 | ▲ 45.1% |
| Accrued charges and deferred income492/3 | - | €1,343 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €101,564 | €10,918 | €41,859 | ▲ 283% |
| + Depreciation and write-downs630 | €2,929 | €2,554 | €2,961 | ▲ 15.9% |
| Operating cash flow (approximation) | €104,493 | €13,472 | €44,820 | ▲ 233% |
| Investment in fixed assets (approximation) | - | -€1,340 | -€3,360 | ▼ 151% |
| Change in cash | - | -€10,356 | €2,844 | ▲ 127% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €10,918 ▼89.3%
Net result drops to €10,918, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Waterloo · 2 establishment units since 2022
Ground area
2,115 m²
Building footprint
264 m²
Volume, LiDAR
1,637 m³
2 parcels, Wallonia · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
EPICURIA SELECTION
since 20222.338.447.987
ES Entrepot
since 20232.348.118.986
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763I0176/00A000 | Wallonia | 1,118 m² | 1 · 168 m² | 10.4 m · 2 fl. |
| 25068B0069/00L000 | Wallonia | 997 m² | 1 · 96 m² | 6.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMont-Saint-Guibert2.348.118.986
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Of 2,336 companies in sector 47251 we hold annual accounts for 422. 209 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
Founded22-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47251Retail sale of wines and spirits
46341Wholesale of wines and spirits
64999Other financial services
70200Business and other management consultancy
82300Organisation of conventions and trade shows
82990Other business support services
Contact
E-mail
epicuriaselection@gmail.com
Phone
+32495297266
Scores and ratios are computed by Checked and are not a credit decision.