JEAN'S CERISE
ActiveJEAN'S CERISE has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €3k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency97▲+27
Growth58=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.35 in 2024), and 46.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
53.9%
Return on assets
9.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €20k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
8 d early
2023
68 d late
2022
6 d early
2021
92 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€129k
EBIT margin
-4.9%
Net result
€3k▼ 30.4%
2024 · €5k
2018: €227
2019: €-3k
2020: €-32
2021: €5k
2022: €-8k
2023: €-8k
2024: €5k
2018 → 2025
Working capital
€18k▲ 110%
2024 · €8k
2018: €8k
2019: €11k
2020: €17k
2021: €-4k
2022: €-4k
2023: €-4k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€129k
Equity€28k-€19k▼ 30.1%€11k▼ 41.5%€16k▲ 43.1%€20k▲ 21.0%
Operating result€6k-€-6k€-6k▲ 9.1%€7k€8k▲ 21.6%
Net result€5k-€-8k€-8k▲ 3.7%€5k€3k▼ 30.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 22% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€2k▼ 76.6%
Current assets
€34k▲ 6.6%
Equity and liabilities €36k
Equity
€20k▲ 21.0%
Debt
€17k▼ 30.0%
The debt ratio falls from 59.6% to 46.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▲
2024 · €15k
Cash flow
€11k▼
2024 · €13k
Solvency
53.9%▲
2024 · 40.4%
Current ratio
2.06▲
2024 · 1.35
Quick ratio
1.49▲
2024 · 0.96
Debt / equity
0.85▼
2024 · 1.48
ROE
17.3%▼
2024 · 30.1%
ROA
9.3%▼
2024 · 12.2%
Interest coverage
10.57▲
2024 · 9.02
Debt
€17k▼
2024 · €24k
Debt ≤ 1 year
€17k▼
2024 · €24k
Income taxes
€3k▲
2024 · €391
Staff costs
€11k▲
2024 · €11k
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€40k€36k▼
Fixed assets21/28€8k€2k▼
Tangible fixed assets22/27€8k€2k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€8k€2k▼
Current assets29/58€32k€34k▲
Stocks and contracts in progress3€9k€10k▲
Stocks30/36€9k€10k▲
Amounts receivable within one year40/41€1k€60▼
Other amounts receivable41€1k€60▼
Cash at bank and in hand54/58€21k€25k▲
Deferred charges and accrued income490/1€683€0▼
Equity and liabilities
Total equity and liabilities10/49€40k€36k▼
Equity10/15€16k€20k▲
Contributions10/11€19k€19k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-14k€-11k▲
Amounts payable17/49€24k€17k▼
Amounts payable within one year42/48€24k€17k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€91€5k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€17k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€11k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€232€100▼
Gross operating margin9900€26k€28k▲
Operating profit (loss)9901€7k€8k▲
Financial income75/76B€0€12▲
Recurring financial income75€0€12▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€5k€7k▲
Income taxes67/77€391€3k▲
Profit (loss) for the period9904€5k€3k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-11k▲
Profit (loss) brought forward from the previous period14P€-19k€-14k▲
The notes to these accounts (7 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-8k ▼285%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Florenville · 1 establishment unit since 1987
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 Généraux-Cuvelier 11B6820 FlorenvilleGround area
146 m²
Building footprint
142 m²
Volume, LiDAR
1,340 m³
Parcel 85011A0531/00N000, Wallonia · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Généraux-Cuvelier 11 B, 6820 Florenville
since 19872.031.247.009
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85011A0531/00N000 | Wallonia | 146 m² | 1 · 142 m² | 13.1 m · 3 fl. |
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.
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BE 1005.241.781
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HERMANN
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1986
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52410
52421
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.