FILLEE
ActiveSummary
The computed 12-month bankruptcy probability of FILLEE is 1.6% (moderate). The 2025 annual accounts show equity of €30k and a net result of €6k. Equity is growing by ~85.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 18280 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-19
Solvency50▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.54 against 1.12 in 2024; short-term debt: 58.5% and cash: 3.7% of total assets), and 75.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 47
higher
← 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
24.8%
Return on assets
5.2%
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 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
19 d late
2022
24 d late
2021
25 d late
2020
23 d late
2019
26 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 26.5%
2024 · €24k
2019: €-7k
2020: €-11k
2021: €4k
2022: €-7k
2023: €-367
2024: €24k
2019 → 2025
Total assets
€122k▲ 2.7%
2024 · €119k
2019: €40k
2020: €49k
2021: €46k
2022: €138k
2023: €112k
2024: €119k
2019 → 2025
Net result
€6k▼ 73.6%
2024 · €24k
2019: €-26k
2020: €-4k
2021: €15k
2022: €-11k
2023: €7k
2024: €24k
2019 → 2025
Working capital
€-33k
2024 · €6k
2019: €-18k
2020: €-28k
2021: €-17k
2022: €9k
2023: €2k
2024: €6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€-7k€-367▲ 95.0%€24k€30k▲ 26.5%
Operating result€15k-€-11k€10k€43k▲ 325%€11k▼ 73.2%
Net result€15k-€-11k€7k€24k▲ 245%€6k▼ 73.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€84k ▲ 30.8%
Current assets
€38k ▼ 30.1%
Equity and liabilities €122k
Equity
€30k ▲ 26.5%
Debt
€92k ▼ 3.3%
Debt's share of the balance-sheet total falls from 79.9% to 75.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €54k
Cash flow
€20k▼
2024 · €36k
Current ratio
0.54▼
2024 · 1.12
Quick ratio
0.20▼
2024 · 0.25
Debt to equity
3.04▼
2024 · 3.98
ROE
21.2%▼
2024 · 101.5%
ROA
5.2%▼
2024 · 20.4%
Interest coverage
11.73▼
2024 · 12.33
Debt ≤ 1 year
€71k▲
2024 · €49k
Debt > 1 year
€20k▼
2024 · €46k
Income taxes
€3k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€119k€122k▲
Fixed assets21/28€64k€84k▲
Tangible fixed assets22/27€64k€84k▲
Plant, machinery and equipment23€40k€35k▼
Furniture and vehicles24€14k€12k▼
Other tangible fixed assets26€9k€37k▲
Current assets29/58€55k€38k▼
Stocks and contracts in progress3€43k€24k▼
Stocks30/36€43k€24k▼
Amounts receivable within one year40/41€6k€10k▲
Trade receivables40€6k€6k▲
Other amounts receivable41€425€4k▲
Cash at bank and in hand54/58€5k€5k▼
Deferred charges and accrued income490/1€1k€281▼
Equity and liabilities
Total equity and liabilities10/49€119k€122k▲
Equity10/15€24k€30k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€5k€12k▲
Amounts payable17/49€95k€92k▼
Amounts payable after more than one year17€46k€20k▼
Financial debts170/4€46k€20k▼
Amounts payable within one year42/48€49k€71k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Trade debts44€9k€28k▲
Suppliers440/4€9k€28k▲
Taxes, remuneration and social security45€16k€18k▲
Taxes450/3€16k€18k▲
Other amounts payable47/48€367-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€711€814▲
Gross operating margin9900€55k€26k▼
Operating profit (loss)9901€43k€11k▼
Financial income75/76B€379€313▼
Recurring financial income75€379€313▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€39k€10k▼
Income taxes67/77€14k€3k▼
Profit (loss) for the period9904€24k€6k▼
Profit (loss) for the period to be appropriated9905€24k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€12k▲
Profit (loss) brought forward from the previous period14P€-19k€5k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2019net €24k ▲245%
Operating result €43k, net result €24k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
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, Waterloo · 1 establishment unit since 2018
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.
Avenue de la Roseraie 191410 WaterlooGround area
783 m²
Building footprint
167 m²
Parcel 25764N0833/00C007, Wallonia. Linked by address, not a title deed.
1 establishment unit
FILLEE
since 20182.281.073.081
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764N0833/00C007 | Wallonia | 783 m² | 1 · 167 m² | - |
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
KH OPTIQUE
BE 0773.948.251
Vilvoorde · Eq €30,075
Studio Belize
BE 0867.220.283
Merelbeke-Melle · Eq €30,419
KLAAR OPTIEK
BE 0711.959.610
Blankenberge · Eq €30,452
OPTICIENS BENOIT
BE 0866.161.104
Ganshoren · Eq €29,904
GABRIEL OPTIQUE
BE 0871.217.277
Trois-Ponts · Eq €30,535
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 816 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.