L'EXSELLENT
ActiveL'EXSELLENT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €62k. Equity is growing by ~72.1% per year across the filed fiscal years. Its solvency ranks better than 24% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-9
Solvency43▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.52 in 2024; short-term debt: 64.8% and cash: 2.1% of total assets), but 81.6% 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 · 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 46
Relative position
BE, all sectors
reference
Sector 46
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
18.4%
Return on assets
5.1%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 7955 sector peers (2025).
NBB · sector comparisonPosition among 7955 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-10-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
2 d early
2023
on the day
2022
17 d early
2021
124 d early
2020
100 d early
2019
114 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€222k▲ 38.9%
2024 · €160k
2019: €-108k
2020: €-74k
2021: €66k
2022: €66k
2023: €68k
2024: €160k
2019 → 2025
Total assets
€1.21M▲ 64.3%
2024 · €736k
2019: €549k
2020: €542k
2021: €352k
2022: €482k
2023: €535k
2024: €736k
2019 → 2025
Net result
€62k▼ 32.8%
2024 · €93k
2019: €30k
2020: €34k
2021: €140k
2022: €535
2023: €1k
2024: €93k
2019 → 2025
Working capital
€397k▲ 64.5%
2024 · €241k
2019: €-24k
2020: €-35k
2021: €62k
2022: €42k
2023: €64k
2024: €241k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€66k▲ 0.8%€68k▲ 1.7%€160k▲ 137%€222k▲ 38.9%
Operating result€155k-€7k▼ 95.4%€12k▲ 70.5%€139k▲ 1,041%€99k▼ 28.3%
Net result€140k-€535▼ 99.6%€1k▲ 109%€93k▲ 8,194%€62k▼ 32.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€29k▼ 5.0%
Current assets
€1.18M▲ 67.3%
Equity and liabilities €1.21M
Equity
€222k▲ 38.9%
Debt
€987k▲ 71.4%
The debt ratio rises from 78.2% to 81.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€109k▼
2024 · €153k
Cash flow
€72k▼
2024 · €107k
Solvency
18.4%▼
2024 · 21.8%
Current ratio
1.51▼
2024 · 1.52
Quick ratio
1.30▲
2024 · 1.24
Debt / equity
4.44▲
2024 · 3.60
ROE
28.0%▼
2024 · 57.8%
ROA
5.1%▼
2024 · 12.6%
Interest coverage
8.67▼
2024 · 10.91
Debt
€987k▲
2024 · €576k
Debt ≤ 1 year
€784k▲
2024 · €465k
Debt > 1 year
€49k▲
2024 · €44k
Income taxes
€29k▼
2024 · €38k
Staff costs
€154k▲
2024 · €141k
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€736k€1.21M▲
Fixed assets21/28€30k€29k▼
Intangible fixed assets21€2k€702▼
Tangible fixed assets22/27€24k€23k▼
Plant, machinery and equipment23€0€3k▲
Furniture and vehicles24€17k€16k▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28€5k€5k▲
Current assets29/58€706k€1.18M▲
Stocks and contracts in progress3€132k€164k▲
Stocks30/36€132k€164k▲
Amounts receivable within one year40/41€514k€932k▲
Trade receivables40€510k€927k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€21k€25k▲
Deferred charges and accrued income490/1€39k€60k▲
Equity and liabilities
Total equity and liabilities10/49€736k€1.21M▲
Equity10/15€160k€222k▲
Contributions10/11€215k€215k=
Reserves13-€7k
Distributable reserves133-€7k
Profit (loss) carried forward14€-55k€0▲
Amounts payable17/49€576k€987k▲
Amounts payable after more than one year17€44k€49k▲
Other amounts payable178/9€44k€49k▲
Amounts payable within one year42/48€465k€784k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€113k€163k▲
Credit institutions430/8€113k€163k▲
Trade debts44€253k€512k▲
Suppliers440/4€253k€512k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€98k€109k▲
Taxes450/3€76k€84k▲
Remuneration and social security454/9€22k€25k▲
Accrued charges and deferred income492/3€67k€154k▲
Income statement
Code20242025
Non-recurring operating income76A€0€24k▲
Remuneration, social security and pensions62€141k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€198€1k▲
Other operating charges640/8€10k€11k▲
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€306k€275k▼
Operating profit (loss)9901€139k€99k▼
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€131k€91k▼
Income taxes67/77€38k€29k▼
Profit (loss) for the period9904€93k€62k▼
Profit (loss) for the period to be appropriated9905€93k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-55k€7k▲
Profit (loss) brought forward from the previous period14P€-147k€-55k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
Social balance
Average headcount (FTE)90873.13.2▲
The notes to these accounts (23 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
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Equity above €200kEq €222k ▲38.9%
7 profitable years in a row build equity to €222k.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €150kEq €160k ▲137%
6 profitable years in a row build equity to €160k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €535 ▼99.6%
Net result drops to €535, the lowest in the series; recovery starts the following year.
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €140k ▲317%
Operating result €155k, net result €140k, both a record.
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lommel · 1 establishment unit since 2001
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.
Rembert Dodoensstraat 293920 LommelGround area
3,369 m²
Building footprint
949 m²
Parcel 72020C1408/00E017, Flanders. Linked by address, not a title deed.
1 establishment unit
L'EXSELLENT
since 20012.093.280.091
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1408/00E017 | Flanders | 3,369 m² | 1 · 949 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 7,345 EUR awarded · 7,345 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 5,400 EUR | 5,400 EUR |
| 2023 | 1 | 1,155 EUR | 1,155 EUR |
| 2022 | 1 | 790 EUR | 790 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLommel2.093.280.091
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FOXTILES
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COMPOSIT
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CARATT
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Of 1,312 companies in sector 46423 we hold annual accounts for 813. 560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2001
Fiscal year end31-03
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
46499Wholesale of other household goods
51421
51478
46421Wholesale trade
46425Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.