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L'APOSTROPHE

Active
Private limited companyfounded 198738 yrs activeHeistraat 36, 2610 Antwerpen, BelgiumKBO/BCE: BE 0432.706.805
Summary

L'APOSTROPHE has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,718 and a net result of -€15,357. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
L'APOSTROPHEActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of household textiles and bedding
NACE 47512Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 52410
2 sites
Size
€388,742total assets 2025
Staff
8.1 FTE
Equity
€18,718
Loss
-€15,357
Turnover not published (abridged schema)
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts 30 d early0 of 2 deeds read
Why 68- Sector Retail trade (NACE 47)- Equity €18,718 (4.8% of total assets)+ Size: total assets €388,742+ Founded in 1987Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 16% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 30-4
equity 4.8% of total assets
Liquidity 5-6
short-term debt 85.2% · cash 1.3%
Profitability 22-12
return on assets -4.0%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 1.9% 12-2024: 1.9%● 0.0% vs 11-2024 01-2025: 1.9%● 0.0% vs 12-2024 02-2025: 1.9%● 0.0% vs 01-2025 03-2025: 1.9%● 0.0% vs 02-2025 04-2025: 1.9%▲ +2.1% vs 03-2025 05-2025: 1.9%▲ +0.5% vs 04-2025highest value 06-2025: 1.8%▼ -4.0% vs 05-2025 07-2025: 0.7%▼ -64.6% vs 06-2025 08-2025: 0.7%● 0.0% vs 07-2025 09-2025: 0.7%● 0.0% vs 08-2025 10-2025: 0.7%● 0.0% vs 09-2025 11-2025: 0.7%● 0.0% vs 10-2025 12-2025: 0.7%● 0.0% vs 11-2025 01-2026: 0.6%▼ -1.1% vs 12-2025 02-2026: 0.6%● 0.0% vs 01-2026 03-2026: 0.6%● 0.0% vs 02-2026 04-2026: 0.7%▲ +2.6% vs 03-2026 05-2026: 0.7%▲ +5.0% vs 04-2026 06-2026: 0.7%▼ -3.0% vs 05-2026 07-2026: 0.8%▲ +16.5% vs 06-2026 08-2026: 0.6%▼ -22.8% vs 07-2026lowest value 09-2026: 0.6%● 0.0% vs 08-2026lowest value 10-2026: 0.6%● 0.0% vs 09-2026lowest value
  • Sector Retail trade (NACE 47) raises the probability
  • Size: total assets €388,742 lowers the probability for this profile
  • Founded in 1987 lowers the probability for this profile
  • Equity €18,718 (4.8% of total assets) raises the probability
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.88 in 2024; short-term debt: 85.2% and cash: 1.3% of total assets), and 95.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 22%, liquidity 7%, profitability 22%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Size: total assets €388,742
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1987
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Equity €18,718 (4.8% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 d early
2024
35 d early
2023
47 d early
2022
32 d early
2021
5 d early
2020
2 d early
2019
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Caution: Among the weakest 14% on net resultsector median €5,049 · 21,046 companies -€15,357 View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • Active since 1987founded 09-12-1987 38 years View

By topic

Financials

Fiscal year
2025
Total assets
€388,742
Loss
-€15,357
Solvency
4.8%
Total assets▲ 6.7%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 01-07-2026Annual accounts filed
  2. 26-06-2025Annual accounts filed
  3. 14-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of household textiles and beddingNACE 47512
Founded
09-12-1987
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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