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Fred & Louis

Active
Private limited companyfounded 2022active for 4 yearsRue du Bosquet 32, 4317 Faimes, BelgiumKBO/BCE: BE 0785.576.670
Summary

The computed 12-month bankruptcy probability of Fred & Louis is 1.5% (moderate). The 2025 annual accounts show negative equity (-€7,301) and a net result of €8,094. Equity has been growing by about 27% per year since 2023. Its solvency ranks better than 17% of 22,726 sector peers (NACE 47, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 29-04-2022 Normal situation
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
Establishment unit
2.331.412.915 4317 Faimes, since 29-04-2022
Financial year end
31 July
Peppol
Reachable since 29-09-2025

Board and ownership

Board
  • SIMONIS FrédéricDirector · since 29-04-2022

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.5%
Annual accounts to 31-07-2025
Gross margin
€23,724
▲ 64.5%
Turnover
≈ €280,000
estimated
Profit
€8,094
▲ 111×
Equity
-€7,301
▲ 52.6%
Total assets
€44,429
▼ 28.6%
  • Negative equity on 31-07-2025
Filed on 26-02-2026, 2 days before the deadline
Score breakdownraises riskCapped at 59: negative equityFounded in 2022Negative equity -€7,301Size: total assets €44,429lowers riskLiquidity: current ratio 2.93, cash €6,057Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 62% of micro companies in retail trade (NACE 47)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Average
Solvency 9+9
equity -16.4% of total assets
Liquidity 55+18
short-term debt 29.3% · cash 13.6%
Profitability 92+23
return on assets 18.2%
Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 1.8% 01-2025: 1.7%▼ -0.1 percentage points vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 2.7%▲ +1.0 percentage point vs 02-2025highest value 04-2025: 2.7%● unchanged vs 03-2025highest value 05-2025: 2.7%● unchanged vs 04-2025highest value 06-2025: 2.7%● unchanged vs 05-2025highest value 07-2025: 2.7%● unchanged vs 06-2025highest value 08-2025: 2.7%● unchanged vs 07-2025 09-2025: 2.7%● unchanged vs 08-2025 10-2025: 2.6%▼ -0.1 percentage points vs 09-2025 11-2025: 2.7%▲ +0.1 percentage points vs 10-2025 12-2025: 2.7%● unchanged vs 11-2025 01-2026: 2.3%▼ -0.4 percentage points vs 12-2025 02-2026: 2.4%▲ +0.1 percentage points vs 01-2026 03-2026: 1.5%▼ -0.9 percentage points vs 02-2026 04-2026: 1.4%▼ -0.1 percentage points vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 1.4%● unchanged vs 05-2026 07-2026: 1.4%● unchanged vs 06-2026 08-2026: 1.4%● unchanged vs 07-2026lowest value 09-2026: 1.4%● unchanged vs 08-2026 10-2026: 1.5%▲ +0.1 percentage points vs 09-2026 11-2026: 1.5%● unchanged vs 10-2026
No credit on open account
Liquidity is ample, with a current ratio of 2.93 (1.68 in 2024), above the usual 1.5. Short-term debt is 29.3% and cash 13.6% of total assets. However, equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 14% of them on solvency, 61% on liquidity, 86% on profitability and 87% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Founded in 2022
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Negative equity -€7,301
NBB · annual accounts
raises risk · Size: total assets €44,429
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.93, cash €6,057
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 22726 sector peers (2025).
NBB · sector comparison
Position among 22726 sector peers
Solvency
better than 17%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 26-02-2026, 2 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
2 days early
2024
11 days early
2023
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 4 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-07-2026 is due by 28-02-2027. Nothing is late today. The company usually files around 26 February (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
31-07-2026 year end02-11-2026 today28-02-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€7,301 View
  • Caution: Lower solvency than 82% of companies in retail tradesector median 33.2% · 22,726 companies -16.4% View

Recent changes

  1. · Gazette deed Incorporation
All 6 events

Comparable companies

These companies have the same main activity as Fred & Louis: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €36,300 and €57,000, founded between 2021 and 2023.

CompanyTotal assetsGross margin
Fred & Louis Faimes€44,429€23,724
LA PARRA OUTDOOR Liège€51,748€13,624
GERAPH Deinze€38,637€21,681
Es Vedrà Heist-op-den-Berg€54,545€31,542
E&S enterprise Sint-Niklaas€57,042€18,251
MOV Saint-Ghislain€36,298€31,609
KELLBOUTIQUE Jurbise€56,279€23,337
Full comparison

Key facts about Fred & Louis

What is the company number of Fred & Louis?
The company number of Fred & Louis is 0785.576.670. The VAT number is the same number with BE in front: BE 0785.576.670.
Where is Fred & Louis based?
The registered office is at Rue du Bosquet 32, 4317 Faimes.Company details
What does Fred & Louis do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of Fred & Louis?
The legal form of Fred & Louis is Private limited company (BV).
When was Fred & Louis founded?
Fred & Louis was founded on 29-04-2022.
Is Fred & Louis still active?
Yes, Fred & Louis is an active enterprise in the KBO register.
What is the turnover of Fred & Louis?
The turnover in financial year 2025 is ≈ €280,000. This figure is estimated from the gross margin of €23,724 and 40 comparable companies (NACE 47716). It probably lies between €93,000 and €550,000. It is a rough estimate.Financials
Is Fred & Louis profitable?
In financial year 2025, Fred & Louis made a profit of €8,094.
Where can I find the annual accounts of Fred & Louis?
Fred & Louis filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Fred & Louis due?
Fred & Louis must file the annual accounts for financial year 2026 by 28-02-2027.Timeline

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