GRCH
ActiveThe computed 12-month bankruptcy probability of GRCH is 1.9% (moderate). The 2025 annual accounts show equity of €81k and a net result of €12k. Its solvency ranks better than 44% of 249 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-26
Solvency20▼-2
Growth52
Stability82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity tight (current ratio 1.07 against 1.1 in 2024), and 89.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
7 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
10.3%
Return on assets
1.5%
Age of the figures
13 mo
neutral · Filed after the deadline
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 31-03-2026, 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close04-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▼ 37.8%
2024 · €19k
2024: €19k
2024 → 2025
Working capital
€48k▲ 13.1%
2024 · €42k
2024: €42k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€69k-€81k▲ 17.3%
Operating result€264k-€908k▲ 244%
Net result€19k-€12k▼ 37.8%
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 244% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €790k
Fixed assets
€76k▲ 1.1%
Current assets
€713k▲ 51.1%
Equity and liabilities €790k
Equity
€81k▲ 17.3%
Debt
€708k▲ 48.0%
The debt ratio rises from 87.4% to 89.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€929k▲
2024 · €272k
Cash flow
€33k▲
2024 · €27k
Solvency
10.3%▼
2024 · 12.6%
Current ratio
1.07▼
2024 · 1.10
Quick ratio
0.19▼
2024 · 0.20
Debt / equity
8.72▲
2024 · 6.91
ROE
14.7%▼
2024 · 27.8%
ROA
1.5%▼
2024 · 3.5%
Interest coverage
1.04▼
2024 · 1.13
Debt
€708k▲
2024 · €479k
Debt ≤ 1 year
€665k▲
2024 · €430k
Debt > 1 year
€43k▼
2024 · €49k
Income taxes
€6k▲
2024 · €5k
Staff costs
€49k▲
2024 · €18k
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
Balance sheet
Code2025
Total assets
20/58€790k
Fixed assets
21/28€76k
Formation expenses
20€0
Tangible fixed assets
22/27€76k
Current assets
29/58€713k
Stocks & contracts in progress
3€587k
Amounts receivable within one year
40/41€113k
Cash & bank
54/58€7k
Total equity & liabilities
10/49€790k
Equity
10/15€81k
Contributions / capital
10/11€50k
Accumulated profits (losses)
14€31k
Amounts payable
17/49€708k
Amounts payable after one year
17€43k
Amounts payable within one year
42/48€665k
Trade debts payable within one year
44€419k
Income statement
Code2025
Gross operating margin
9900€1.04M
Operating result
9901€908k
Financial income
75€665
Financial charges
65€891k
Result before taxes
9903€18k
Income taxes
67/77€6k
Net result for the period
9904€12k
Result to be appropriated
9905€12k
This is the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 3 days late
NBB filing
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
CM store
BE 0791.390.930
Pepinster · Eq €82k
QUDRAT TRADE
BE 0688.940.916
Schaarbeek · Eq €79k
XIN MI
BE 0648.879.718
Anderlecht · Eq €84k
The Home Fabric
BE 0671.879.903
Zaventem · Eq €85k
18
BE 0819.825.588
Knokke-Heist · Eq €78k
Of 274 companies in sector 47519 we hold annual accounts for 117. 98 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2023
Fiscal year end31-07
Trade name FR
La Maison by GL
Activities, NACEBEL
47519Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-08-2026. Scores and ratios are computed by Checked and are not a credit decision.