Kenza Mode
ActiveThe computed 12-month bankruptcy probability of Kenza Mode is 3.0% (moderate). The 2024 annual accounts show equity of €238k and a net result of €108k. Its solvency ranks better than 48% of 6537 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▼-1
Solvency56▲+14
Growth52
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.33 in 2023; short-term debt: 35.5% and cash: 31.7% of total assets), and 68.9% 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.
+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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€108k▼ 2.2%
2023 · €110k
2023: €110k
2023 → 2024
Working capital
€122k▲ 15.7%
2023 · €106k
2023: €106k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€130k-€238k▲ 82.8%
Operating result€165k-€160k▼ 2.6%
Net result€110k-€108k▼ 2.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €767k
Fixed assets
€372k▲ 5.8%
Current assets
€395k▼ 6.4%
Equity and liabilities €767k
Equity
€238k▲ 82.8%
Debt
€529k▼ 17.8%
The debt ratio falls from 83.2% to 68.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€185k▼
2023 · €212k
Cash flow
€132k▼
2023 · €157k
Solvency
31.1%▲
2023 · 16.8%
Current ratio
1.45▲
2023 · 1.33
Quick ratio
1.02▲
2023 · 0.89
Debt / equity
2.22▼
2023 · 4.94
ROE
45.3%▼
2023 · 84.6%
ROA
14.1%▼
2023 · 14.3%
Interest coverage
9.94▼
2023 · 11.43
Debt
€529k▼
2023 · €643k
Debt ≤ 1 year
€273k▼
2023 · €316k
Debt > 1 year
€254k▼
2023 · €325k
Income taxes
€31k▼
2023 · €36k
Staff costs
€118k▼
2023 · €125k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€773k€767k▼
Fixed assets21/28€351k€372k▲
Intangible fixed assets21€412€314▼
Tangible fixed assets22/27€351k€371k▲
Land and buildings22€233k€227k▼
Plant, machinery and equipment23€13k€27k▲
Furniture and vehicles24€8k€11k▲
Other tangible fixed assets26€97k€106k▲
Current assets29/58€422k€395k▼
Stocks and contracts in progress3€142k€118k▼
Stocks30/36€142k€118k▼
Amounts receivable within one year40/41€115k€29k▼
Trade receivables40€115k€27k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€161k€243k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€773k€767k▼
Equity10/15€130k€238k▲
Contributions10/11€20k€20k=
Reserves13€110k€218k▲
Distributable reserves133€110k€218k▲
Amounts payable17/49€643k€529k▼
Amounts payable after more than one year17€325k€254k▼
Financial debts170/4€225k€204k▼
Other amounts payable178/9€100k€50k▼
Amounts payable within one year42/48€316k€273k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€117k€38k▼
Suppliers440/4€117k€38k▼
Taxes, remuneration and social security45€125k€146k▲
Taxes450/3€97k€113k▲
Remuneration and social security454/9€28k€32k▲
Other amounts payable47/48€54k€68k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Non-recurring operating income76A€331-
Remuneration, social security and pensions62€125k€118k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€25k▼
Other operating charges640/8€1k€6k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€338k€309k▼
Operating profit (loss)9901€165k€160k▼
Financial income75/76B€981€3k▲
Recurring financial income75€981€395▼
Non-recurring financial income76B-€3k
Financial charges65/66B€20k€25k▲
Recurring financial charges65€19k€19k▲
Non-recurring financial charges66B€1k€6k▲
Profit (loss) for the period before taxes9903€146k€139k▼
Income taxes67/77€36k€31k▼
Profit (loss) for the period9904€110k€108k▼
Profit (loss) for the period to be appropriated9905€110k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€110k€108k▼
Transfer to equity691/2€110k€108k▼
To other reserves6921€110k€108k▼
Social balance
Average headcount (FTE)90872.73.4▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €200kEq €238k ▲82.8%
2 profitable years in a row build equity to €238k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
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, Châtelet · 2 establishment units since 2022
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 de la Vallée 546200 ChâteletGround area
1,910 m²
Building footprint
162 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
Kenza Mode
since 20222.334.574.224
Grand'rue 143, 6000 Charleroi
since 20232.351.267.924
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52302A1138/00X000 | Wallonia | 1,734 m² | - | - |
| 52502B0595/00X000 | Wallonia | 176 m² | 1 · 162 m² | - |
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.
Similar companies · same sector, comparable size
JOTT BELGIUM
BE 0674.848.103
Brussel · Eq €238k
HISTOIRE D'HOMME
BE 0895.074.032
Liège · Eq €239k
YAYA Retail Brugge
BE 0787.412.742
Brugge · Eq €239k
DE KINDERKORF
BE 0415.765.754
Avelgem · Eq €237k
By Lou H.
BE 0770.686.279
Neupré · Eq €239k
Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,720 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2022
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47715Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.