EST'ELLE
ActiveEST'ELLE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €-11k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency91▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 4.56 in 2024; short-term debt: 34.1% and cash: 41.9% of total assets), and 34.1% 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
65.9%
Return on assets
-20.7%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-11k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
58 d early
2023
9 d late
2022
3 d late
2021
3 d early
2020
4 d late
2019
20 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 23.9%
2024 · €48k
2018: €20k
2019: €31k
2020: €45k
2021: €57k
2022: €60k
2023: €61k
2024: €48k
2018 → 2025
Total assets
€55k▼ 10.4%
2024 · €62k
2018: €48k
2019: €48k
2020: €66k
2021: €74k
2022: €74k
2023: €82k
2024: €62k
2018 → 2025
Net result
€-11k▲ 14.4%
2024 · €-13k
2018: €19k
2019: €11k
2020: €14k
2021: €12k
2022: €2k
2023: €2k
2024: €-13k
2018 → 2025
Working capital
€34k▼ 28.0%
2024 · €47k
2018: €14k
2019: €22k
2020: €38k
2021: €52k
2022: €56k
2023: €59k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€60k▲ 4.3%€61k▲ 2.8%€48k▼ 21.8%€37k▼ 23.9%
Operating result€19k-€4k▼ 81.3%€3k▼ 10.3%€-13k€-8k▲ 40.3%
Net result€12k-€2k▼ 79.8%€2k▼ 33.1%€-13k€-11k▲ 14.4%
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 stays negative: a loss of €8k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€2k▲ 99.9%
Current assets
€53k▼ 12.6%
Equity and liabilities €55k
Equity
€37k▼ 23.9%
Debt
€19k▲ 36.1%
The debt ratio rises from 22.4% to 34.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▲
2024 · €-12k
Cash flow
€-11k▲
2024 · €-12k
Solvency
65.9%▼
2024 · 77.6%
Current ratio
2.80▼
2024 · 4.56
Quick ratio
1.43▼
2024 · 2.44
Debt / equity
0.52▲
2024 · 0.29
ROE
-31.4%▼
2024 · -27.9%
ROA
-20.7%▲
2024 · -21.6%
Interest coverage
-1.76▲
2024 · -11.02
Debt
€19k▲
2024 · €14k
Debt ≤ 1 year
€19k▲
2024 · €13k
Income taxes
€181▲
2024 · €147
Staff costs
€50▼
2024 · €1k
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€62k€55k▼
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€279€1k▲
Furniture and vehicles24-€1k
Other tangible fixed assets26€279€0▼
Financial fixed assets28€938€938=
Current assets29/58€61k€53k▼
Stocks and contracts in progress3€28k€26k▼
Stocks30/36€28k€26k▼
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€162€94▼
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€29k€23k▼
Deferred charges and accrued income490/1€658€665▲
Equity and liabilities
Total equity and liabilities10/49€62k€55k▼
Equity10/15€48k€37k▼
Contributions10/11€12k€12k=
Reserves13€43k€43k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€42k€43k▲
Profit (loss) carried forward14€-8k€-19k▼
Amounts payable17/49€14k€19k▲
Amounts payable within one year42/48€13k€19k▲
Financial debts43-€29
Credit institutions430/8-€29
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€8k€12k▲
Accrued charges and deferred income492/3€587€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€1k€50▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€324▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-9k€-6k▲
Operating profit (loss)9901€-13k€-8k▲
Financial income75/76B€1k€978▼
Recurring financial income75€1k€978▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€-13k€-11k▲
Income taxes67/77€147€181▲
Profit (loss) for the period9904€-13k€-11k▲
Profit (loss) for the period to be appropriated9905€-13k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-19k▼
Profit (loss) brought forward from the previous period14P€5k€-8k▼
The notes to these accounts (9 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-13k ▼908%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mol · 1 establishment unit since 2014
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.
Baron van Eetveldeplein 22400 MolGround area
456 m²
Building footprint
393 m²
Volume, LiDAR
6,032 m³
Parcel 13434F0748/00T000, Flanders · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Est'elle bvba
since 20142.233.546.843
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F0748/00T000 | Flanders | 456 m² | 1 · 393 m² | 17.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ODARE
BE 1011.191.544
Antwerpen · Eq €36k
COLLECTIONS SAMYN & GOOSSENS
BE 0478.499.515
Antwerpen · Eq €36k
BUDDHI
BE 0716.642.928
Mol · Eq €37k
FORTEXCO
BE 0690.920.706
Quaregnon · Eq €37k
DE COCK FASHION
BE 0459.153.656
Meise · Eq €37k
Of 1,275 companies in sector 46160 we hold annual accounts for 685. 507 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-2014
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47711Retail sale of women's outerwear
47715Retail trade
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.