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"L'ENCRIER"

Active
Private limited companyfounded 20206 yrs activeRue des Fripiers 36, 7000 Mons, BelgiumKBO/BCE: BE 0748.784.273
Summary

The computed 12-month bankruptcy probability of "L'ENCRIER" is 2.5% (moderate). The 2024 annual accounts show negative equity (-€25,529) and a net result of €1,012. Equity is shrinking by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 11% of 6160 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability56▲+56
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02 against 0.47 in 2023; short-term debt: 39.6% and cash: 0.6% of total assets), and equity is negative.
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Signals

Five 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
-162.9%
Return on assets
6.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 6160 sector peers (2024).
NBB · sector comparison
Position among 6160 sector peers
Solvency
better than 11%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-10-2025, 67 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 · 4 filings
Deviation from the deadline
2025
not confirmed
2024
67 d late
2023
153 d late
2022
58 d late
2021
11 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 67 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (1)
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

History

On 22 June 2020, "L'ENCRIER" was incorporated as a Private limited company.1 Total assets went from EUR 47,088 in 2021 to EUR 15,671 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
€55,340
EBIT margin
5.3%
Net result
€1,012
2023 · -€9,554
Working capital
-€6,107▲ 39.1%
2023 · -€10,022
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2021202220232024
Turnover€55,340-
Operating result€2,955--€22,649-€9,736▲ 57.0%€2,580
Net result€2,382within the sector's middle half--€24,770below the sector's middle half-€9,554below the sector's middle half▲ 61.4%€1,012within the sector's middle half
EBIT margin5.3%-
Equity€7,782within the sector's middle half--€16,988below the sector's middle half-€26,542below the sector's middle half▼ 56.2%-€25,529below the sector's middle half▲ 3.8%
Total assets€47,088within the sector's middle half-€36,186within the sector's middle half▼ 23.2%€27,485within the sector's middle half▼ 24.0%€15,671below the sector's middle half▼ 43.0%
Debt€39,306-€53,174▲ 35.3%€54,027▲ 1.6%€41,200▼ 23.7%
Working capital€21,398within the sector's middle half--€468within the sector's middle half-€10,022within the sector's middle half▼ 2,041%-€6,107within the sector's middle half▲ 39.1%
Solvency16.5%within the sector's middle half--46.9%below the sector's middle half▼ 63.5pp-96.6%below the sector's middle half▼ 49.6pp-162.9%below the sector's middle half▼ 66.3pp
Current ratio5.97above the sector's middle half-0.97within the sector's middle half▼ 5.000.47within the sector's middle half▼ 0.500.02below the sector's middle half▼ 0.46
Return on assets (ROA)5.1%within the sector's middle half--68.5%below the sector's middle half▼ 73.5pp-34.8%below the sector's middle half▲ 33.7pp6.5%within the sector's middle half▲ 41.2pp
above within below the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0Operating result 2021: €2,955€2,955Net result 2021: €2,382€2,382Operating result 2022: -€22,649-€22,649Net result 2022: -€24,770-€24,770Operating result 2023: -€9,736-€9,736Net result 2023: -€9,554-€9,554Operating result 2024: €2,580€2,580Net result 2024: €1,012€1,0122021202220232024-€30,000-€20,000-€10,000€0Operating result 2022: -€22,649-€22,600Net result 2022: -€24,770-€24,800Operating result 2023: -€9,736-€9,740Net result 2023: -€9,554-€9,550Operating result 2024: €2,580€2,580Net result 2024: €1,012€1,010202220232024
The operating result returns to profit in 2024: €2,580 after a loss of €9,736 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €15,139
Fixed assets €15,045 ▼ 14.9%
Current assets €93 ▼ 99.0%
Key figures and ratios
2024 value · change against 2023
EBITDA
€5,484
Cash flow
€3,915
Debt to equity
-1.61▲
2023 · -2.04
Interest coverage
3.50
Debt ≤ 1 year
€6,200▼
2023 · €19,027
Debt > 1 year
€35,000=
2023 · €35,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,180 companies that looked in July 2024 the way this one looks now, 4.8% went bankrupt within 24 months and 89% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a profit of 5% of the balance sheet or more
4.8% went bankrupt
5.8% stopped otherwise
89% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,180 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet Code20232024
Assets
Total assets20/58€27,485€15,671▼
Formation expenses20€798€532▼
Fixed assets21/28€17,682€15,045▼
Tangible fixed assets22/27€14,382€11,745▼
Land and buildings22€9,160€8,015▼
Plant, machinery and equipment23€638€455▼
Furniture and vehicles24€4,584€3,274▼
Financial fixed assets28€3,300€3,300=
Current assets29/58€9,005€93▼
Amounts receivable within one year40/41€6,671-
Trade receivables40€6,604-
Other amounts receivable41€67-
Cash at bank and in hand54/58€1,406€93▼
Deferred charges and accrued income490/1€928-
Equity and liabilities
Total equity and liabilities10/49€27,485€15,671▼
Equity10/15-€26,542-€25,529▲
Contributions10/11€5,400€5,400=
Profit (loss) carried forward14-€31,942-€30,929▲
Amounts payable17/49€54,027€41,200▼
Amounts payable after more than one year17€35,000€35,000=
Other amounts payable178/9€35,000€35,000=
Amounts payable within one year42/48€19,027€6,200▼
Trade debts44€2,022-
Suppliers440/4€2,022-
Taxes, remuneration and social security45€10,805-
Taxes450/3€6,066-
Remuneration and social security454/9€4,739-
Other amounts payable47/48€6,200€6,200=
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2,903
Other operating charges640/8€167€2,813▲
Gross operating margin9900-€9,569€8,297▲
Operating profit (loss)9901-€9,736€2,580▲
Financial charges65/66B-€182€1,568▲
Recurring financial charges65-€182€1,568▲
Profit (loss) for the period before taxes9903-€9,554€1,012▲
Profit (loss) for the period9904-€9,554€1,012▲
Profit (loss) for the period to be appropriated9905-€9,554€1,012▲
Appropriation of the result
Profit (loss) to be appropriated9906-€31,942-€30,929▲
Profit (loss) brought forward from the previous period14P-€22,388-€31,942▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2021202220232024Change
Turnover70€55,340----
Goods, raw materials, services and sundry goods60/61€46,396----
Remuneration, social security and pensions62€6,025€10,240---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,157€2,903-€2,903-
Other operating charges640/8€348€348€167€2,813▲ 1,582%
Gross operating margin9900€11,485-€9,158-€9,569€8,297▲ 187%
Operating profit (loss)9901€2,955-€22,649-€9,736€2,580▲ 127%
Financial income75/76B-€946---
Recurring financial income75-€946---
Financial charges65/66B€574€2,431-€182€1,568▲ 960%
Recurring financial charges65€574€2,431-€182€1,568▲ 960%
Profit (loss) for the period before taxes9903€2,382-€24,134-€9,554€1,012▲ 111%
Income taxes67/77-€636---
Profit (loss) for the period9904€2,382-€24,770-€9,554€1,012▲ 111%
Profit (loss) for the period to be appropriated9905€2,382-€24,770-€9,554€1,012▲ 111%
Line2021202220232024Change
Assets
Total assets20/58€47,088€36,186€27,485€15,671▼ 43.0%
Formation expenses20€1,065€798€798€532▼ 33.3%
Fixed assets21/28€20,319€17,682€17,682€15,045▼ 14.9%
Tangible fixed assets22/27€17,019€14,382€14,382€11,745▼ 18.3%
Land and buildings22€10,305€9,160€9,160€8,015▼ 12.5%
Plant, machinery and equipment23€820€638€638€455▼ 28.6%
Furniture and vehicles24€5,894€4,584€4,584€3,274▼ 28.6%
Financial fixed assets28€3,300€3,300€3,300€3,300=
Current assets29/58€25,705€17,706€9,005€93▼ 99.0%
Amounts receivable within one year40/41€17,500€17,500€6,671--
Trade receivables40€17,500€17,500€6,604--
Other amounts receivable41--€67--
Cash at bank and in hand54/58€8,205€206€1,406€93▼ 93.4%
Deferred charges and accrued income490/1--€928--
Equity and liabilities
Total equity and liabilities10/49€47,088€36,186€27,485€15,671▼ 43.0%
Equity10/15€7,782-€16,988-€26,542-€25,529▲ 3.8%
Contributions10/11€5,400€5,400€5,400€5,400=
Profit (loss) carried forward14€2,382-€22,388-€31,942-€30,929▲ 3.2%
Amounts payable17/49€39,306€53,174€54,027€41,200▼ 23.7%
Amounts payable after more than one year17€35,000€35,000€35,000€35,000=
Other amounts payable178/9€35,000€35,000€35,000€35,000=
Amounts payable within one year42/48€4,306€18,174€19,027€6,200▼ 67.4%
Trade debts44€3,122€3,202€2,022--
Suppliers440/4€3,122€3,202€2,022--
Taxes, remuneration and social security45€1,184€8,773€10,805--
Taxes450/3€1,184€6,066€6,066--
Remuneration and social security454/9-€2,707€4,739--
Other amounts payable47/48-€6,200€6,200€6,200=
Line2021202220232024Change
Profit (loss) for the period9904€2,382-€24,770-€9,554€1,012▲ 111%
+ Depreciation and write-downs630€2,157€2,903-€2,903-
Operating cash flow (approximation)€4,539-€21,867-€9,554€3,915▲ 141%
Investment in fixed assets (approximation)--€266€0-€266-
Change in cash--€7,999€1,200-€1,312▼ 209%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
06-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
31-12
Financial Back to profitnet €1,012
Net result €1,012 after 2 loss-making years.
31-12
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
27-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial Weakest financial yearnet -€24,770
Net result drops to -€24,770, the lowest in the series; recovery starts the following year.
20-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Mons · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
69 m²
Building footprint
41 m²
Parcel 53053H0335/00_000, Wallonia. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
L'Encrier
Rue des Fripiers 36, 7000 MonsRetail trade
since 20202.308.624.546
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53053H0335/00_000 Wallonia 69 m² 1 · 41 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

Of 2,195 companies in sector 96992 we hold annual accounts for 131. 108 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
96992Tattoo and piercing services
47559Retail sale of other household articles
47784Retail sale of souvenirs and religious articles
Contact
E-mail zodoc@me.com
Phone +32493693495
Phone 0493693495Mons
E-invoicing
Reachable via Peppol
Peppol ID 0208:0748784273
Also 9925:BE0748784273
Registered 04-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.