Gallery LOTTIE
ActiveThe computed 12-month bankruptcy probability of Gallery LOTTIE is 1.5% (moderate). The 2025 annual accounts show equity of €138k and a net result of €46k. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 18237 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency100▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.14 against 2.17 in 2024; short-term debt: 12.8% and cash: 51.5% of total assets), and 22.8% of the assets are financed with debt.
Credit advice for your own amount and term
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
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
77.2%
Return on assets
26%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
35 d early
2024
35 d early
2023
42 d early
2022
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 50.9%
2024 · €91k
2022: €32k
2023: €62k
2024: €91k
2022 → 2025
Total assets
€178k▲ 34.8%
2024 · €132k
2022: €100k
2023: €112k
2024: €132k
2022 → 2025
Net result
€46k▲ 57.7%
2024 · €29k
2022: €12k
2023: €29k
2024: €29k
2022 → 2025
Working capital
€94k▲ 95.4%
2024 · €48k
2022: €-27k
2023: €9k
2024: €48k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€62k▲ 91.2%€91k▲ 47.7%€138k▲ 50.9%
Operating result€15k-€37k▲ 146%€37k▼ 0.2%€60k▲ 60.7%
Net result€12k-€29k▲ 140%€29k=€46k▲ 57.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€61k▲ 42.8%
Current assets
€117k▲ 31.0%
Equity and liabilities €178k
Equity
€138k▲ 50.9%
Debt
€41k▼ 0.9%
The debt ratio falls from 31.1% to 22.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €47k
Cash flow
€61k▲
2024 · €39k
Solvency
77.2%▲
2024 · 68.9%
Current ratio
5.14▲
2024 · 2.17
Quick ratio
4.22▲
2024 · 1.75
Debt / equity
0.30▼
2024 · 0.45
ROE
33.8%▲
2024 · 32.3%
ROA
26.0%▲
2024 · 22.3%
Interest coverage
50.81▼
2024 · 354.70
Debt
€41k▼
2024 · €41k
Debt ≤ 1 year
€23k▼
2024 · €41k
Debt > 1 year
€17k
Income taxes
€12k▲
2024 · €8k
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€132k€178k▲
Fixed assets21/28€43k€61k▲
Intangible fixed assets21€11k€7k▼
Tangible fixed assets22/27€29k€52k▲
Plant, machinery and equipment23€29k€27k▼
Leasing and similar rights25-€24k
Financial fixed assets28€3k€3k=
Current assets29/58€89k€117k▲
Stocks and contracts in progress3€18k€21k▲
Stocks30/36€18k€21k▲
Amounts receivable within one year40/41€500€2k▲
Other amounts receivable41€500€2k▲
Cash at bank and in hand54/58€71k€92k▲
Deferred charges and accrued income490/1€818€2k▲
Equity and liabilities
Total equity and liabilities10/49€132k€178k▲
Equity10/15€91k€138k▲
Contributions10/11€20k€20k=
Reserves13€71k€118k▲
Distributable reserves133€71k€118k▲
Amounts payable17/49€41k€41k▼
Amounts payable after more than one year17-€17k
Financial debts170/4-€17k
Amounts payable within one year42/48€41k€23k▼
Current portion of amounts payable after more than one year42-€4k
Trade debts44€24k€12k▼
Suppliers440/4€24k€12k▼
Taxes, remuneration and social security45€16k€5k▼
Taxes450/3€16k€5k▼
Other amounts payable47/48€930€2k▲
Accrued charges and deferred income492/3-€560
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Other operating charges640/8€115€126▲
Gross operating margin9900€47k€75k▲
Operating profit (loss)9901€37k€60k▲
Financial income75/76B€64€0▼
Recurring financial income75€64€0▼
Financial charges65/66B€131€1k▲
Recurring financial charges65€131€1k▲
Profit (loss) for the period before taxes9903€37k€58k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€29k€46k▲
Profit (loss) for the period to be appropriated9905€29k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€46k▲
Transfer to equity691/2€29k€46k▲
To other reserves6921€29k€46k▲
The notes to these accounts (10 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €46k ▲57.7%
Operating result €60k, net result €46k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 5.14
Current ratio from 2.17 to 5.14; short-term debt falls from €41k to €23k.
30-09
Financial
Equity above €100kEq €138k ▲50.9%
4 profitable years in a row build equity to €138k.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Koksijde · 1 establishment unit since 2021
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.
Weldadigheidstraat(Odk) 1C8670 KoksijdeGround area
9,853 m²
Building footprint
414 m²
Volume, LiDAR
4,320 m³
2 parcels, Flanders · tallest building 22.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
GALLERY LOTTIE
since 20212.320.641.163
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502F0213/00B000 | Flanders | 9,344 m² | 1 · 245 m² | 22.2 m · 6 fl. |
| 38018B0143/00C000 | Flanders | 509 m² | 1 · 169 m² | 8.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 2,099 EUR awarded · 2,099 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 99 EUR | 99 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,211 companies in sector 47711 we hold annual accounts for 889. 684 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2021
Fiscal year end30-09
Activities, NACEBEL
47711Retail sale of women's outerwear
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46423Wholesale of clothing, excluding workwear and underwear
46424Wholesale trade
47120Other non-specialised retail sale
47910Retail trade
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:vigietouzart@hotmail.com