Fleur de Lin
ActiveSummary
The computed 12-month bankruptcy probability of Fleur de Lin is 1.8% (moderate). The 2025 annual accounts show equity of €11k and a net result of €95. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 29% of 18280 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-23
Solvency35=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.01 against 0.99 in 2024; short-term debt: 90% and cash: 3.9% of total assets), and 90% of the assets are financed with debt.
Credit check 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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 · 6 filingsDeviation from the deadline
2025
48 d late
2024
8 d early
2023
30 d late
2022
41 d early
2021
39 d early
2020
27 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
Turnover
€0
2024 · €0
2023: €0
2024: €0
2023 → 2025
Total assets
€113k▼ 2.4%
2024 · €115k
2020: €96k
2021: €128k
2022: €142k
2023: €135k
2024: €115k
2020 → 2025
Net result
€95▼ 93.3%
2024 · €1k
2020: €5k
2021: €0
2022: €0
2023: €-6k
2024: €1k
2020 → 2025
Working capital
€1k
2024 · €-865
2020: €32k
2021: €25k
2022: €17k
2023: €3k
2024: €-865
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0€0
Equity€15k-€15k=€10k▼ 36.7%€11k▲ 14.4%€11k▲ 0.8%
Operating result€81-€148▲ 84.2%€-8k€993€3k▲ 164%
Net result€0-€0€-6k€1k€95▼ 93.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 164% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€10k ▼ 18.9%
Current assets
€103k ▼ 0.4%
Equity and liabilities €113k
Equity
€11k ▲ 0.8%
Debt
€101k ▼ 2.7%
Debt's share of the balance-sheet total falls from 90.3% to 90.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €4k
Cash flow
€2k▼
2024 · €4k
Current ratio
1.01▲
2024 · 0.99
Quick ratio
0.05▼
2024 · 0.07
Debt to equity
9.00▼
2024 · 9.33
ROE
0.8%▼
2024 · 12.6%
ROA
0.1%▼
2024 · 1.2%
Interest coverage
1.53▼
2024 · 4.21
Debt ≤ 1 year
€101k▼
2024 · €104k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€115k€113k▼
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Land and buildings22€0-
Furniture and vehicles24€270€0▼
Other tangible fixed assets26€12k€10k▼
Financial fixed assets28€0-
Current assets29/58€103k€103k▼
Stocks and contracts in progress3€95k€98k▲
Stocks30/36€95k€98k▲
Amounts receivable within one year40/41€0€0=
Trade receivables40€0€0=
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€128€129▲
Equity and liabilities
Total equity and liabilities10/49€115k€113k▼
Equity10/15€11k€11k▲
Contributions10/11€10k€10k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-4k€-4k▲
Amounts payable17/49€104k€101k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€104k€101k▼
Current portion of amounts payable after more than one year42€6k€2k▼
Trade debts44€191€1k▲
Suppliers440/4€191€1k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€94k€93k▼
Accrued charges and deferred income492/3€132€0▼
Income statement
Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€0€0=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€532€545▲
Non-recurring operating charges66A-€0
Gross operating margin9900€4k€5k▲
Operating profit (loss)9901€993€3k▲
Financial income75/76B€1k€690▼
Recurring financial income75€1k€690▼
Financial charges65/66B€879€3k▲
Recurring financial charges65€879€3k▲
Profit (loss) for the period before taxes9903€1k€95▼
Profit (loss) for the period9904€1k€95▼
Profit (loss) for the period to be appropriated9905€1k€95▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-4k▲
Profit (loss) brought forward from the previous period14P€-6k€-4k▲
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
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
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, Hannut · 1 establishment unit since 2020
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.
Rue Albert 1er 504280 HannutGround area
665 m²
Building footprint
119 m²
Parcel 64034B0646/00H004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Fleur de Lin
since 20202.298.431.826
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B0646/00H004 | Wallonia | 665 m² | 1 · 119 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
NEW LADIES FASHION
BE 0718.880.262
Charleroi · Eq €11,283
SMILING FACE
BE 0472.112.856
Waterloo · Eq €11,323
ROJ.TEX
BE 0690.585.461
Anderlecht · Eq €11,167
AKA SOLUTIONS
BE 0542.775.475
Watermaal-Bosvoorde · Eq €11,370
FAMILY CONCEPT
BE 0775.474.022
Theux · Eq €11,381
Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,298 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
Founded28-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47120Other non-specialised retail sale
47721Retail sale of footwear
47722Retail trade
47784Retail sale of souvenirs and religious articles
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.