L'EPICIER
ActiveL'EPICIER has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €23k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 3102 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+59
Solvency94▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 6.92 in 2024; short-term debt: 30.8% and cash: 15.7% of total assets), and 30.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
69.2%
Return on assets
27.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
28 d early
2019
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€410k
EBIT margin
1.1%
Net result
€23k▲ 1,151%
2024 · €2k
2019: €-15k
2020: €-12k
2021: €89k
2022: €179
2023: €35k
2024: €2k
2019 → 2025
Working capital
€49k▲ 13.8%
2024 · €43k
2019: €13k
2020: €-5k
2021: €86k
2022: €30k
2023: €39k
2024: €43k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€410k
Equity€93k-€49k▼ 47.8%€53k▲ 9.4%€55k▲ 3.4%€58k▲ 4.9%
Operating result€92k-€5k▼ 95.1%€38k▲ 743%€6k▼ 83.3%€23k▲ 261%
Net result€89k-€179▼ 99.8%€35k▲ 19,275%€2k▼ 94.8%€23k▲ 1,151%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 261% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€9k▼ 27.2%
Current assets
€75k▲ 48.4%
Equity and liabilities €84k
Equity
€58k▲ 4.9%
Debt
€26k▲ 253%
The debt ratio rises from 11.7% to 30.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €10k
Cash flow
€26k▲
2024 · €6k
Solvency
69.2%▼
2024 · 88.3%
Current ratio
2.91▼
2024 · 6.92
Quick ratio
2.32▼
2024 · 4.86
Debt / equity
0.45▲
2024 · 0.13
ROE
39.2%▲
2024 · 3.3%
ROA
27.1%▲
2024 · 2.9%
Interest coverage
17.11▲
2024 · 2.26
Debt
€26k▲
2024 · €7k
Debt ≤ 1 year
€26k▲
2024 · €7k
Staff costs
€27k▼
2024 · €45k
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€63k€84k▲
Fixed assets21/28€12k€9k▼
Tangible fixed assets22/27€7k€4k▼
Land and buildings22€271€271=
Furniture and vehicles24€7k€4k▼
Financial fixed assets28€5k€5k=
Current assets29/58€51k€75k▲
Stocks and contracts in progress3€15k€15k=
Stocks30/36€15k€15k=
Amounts receivable within one year40/41€19k€42k▲
Other amounts receivable41€19k€42k▲
Cash at bank and in hand54/58€15k€13k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€63k€84k▲
Equity10/15€55k€58k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€35k€38k▲
Amounts payable17/49€7k€26k▲
Amounts payable within one year42/48€7k€26k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€4k€4k▲
Remuneration and social security454/9€629-
Other amounts payable47/48-€20k
Income statement
Code20242025
Remuneration, social security and pensions62€45k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€710€1k▲
Gross operating margin9900€55k€55k▼
Operating profit (loss)9901€6k€23k▲
Financial income75/76B€942€1k▲
Recurring financial income75€942€1k▲
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€3k€23k▲
Income taxes67/77€984-
Profit (loss) for the period9904€2k€23k▲
Profit (loss) for the period to be appropriated9905€2k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€58k▲
Profit (loss) brought forward from the previous period14P€33k€35k▲
Profit to be distributed694/7-€20k
Directors or managers695-€20k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 6.92
Current ratio from 1.73 to 6.92; short-term debt falls from €53k to €7k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.27
Current ratio from 1.13 to 2.27; short-term debt falls from €663k to €24k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €89k
Net result €89k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.13
Current ratio from 0.54 to 1.13.
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
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, Schaarbeek · 1 establishment unit since 2018
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.
Ardense Jagersplein 61030 SchaarbeekGround area
221 m²
Building footprint
202 m²
Volume, LiDAR
4,442 m³
Parcel 21905C0060/00Y000, Brussels · tallest building 24.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Ardense Jagersplein 6, 1030 Schaarbeek
since 20182.272.720.094
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0060/00Y000 | Brussels | 221 m² | 1 · 202 m² | 24.9 m · 8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.272.720.094
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Of 93 companies in sector 01280 we hold annual accounts for 19. 13 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2018
Fiscal year end31-12
Activities, NACEBEL
01280Crop and animal production, hunting and related service activities
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
21201Manufacture of basic pharmaceutical products and pharmaceutical preparations
21209Manufacture of basic pharmaceutical products and pharmaceutical preparations
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.