La Maison du Jardinage
ActiveThe computed 12-month bankruptcy probability of La Maison du Jardinage is 1.5% (moderate). The 2025 annual accounts show negative equity (€-4k) and a net result of €-6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 18016 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100
Solvency42▲+34
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.89 against 0.03 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-12.7%
Return on assets
-18.9%
Age of the figures
8 mo
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 →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
91 d early
2023
30 d late
2022
44 d late
2021
65 d late
2020
23 d late
2019
77 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k
2024 · €2k
2019: €-10k
2020: €-28k
2021: €-57k
2022: €-110k
2023: €-8k
2024: €2k
2019 → 2025
Total assets
€33k▲ 80.9%
2024 · €18k
2019: €32k
2020: €36k
2021: €63k
2022: €60k
2023: €101k
2024: €18k
2019 → 2025
Net result
€-6k
2023 · €102k
2019: €-12k
2020: €-18k
2021: €-29k
2022: €-54k
2023: €102k
2019 → 2025
Working capital
€-4k▲ 73.0%
2024 · €-15k
2019: €-39k
2020: €-58k
2021: €-110k
2022: €-163k
2023: €-31k
2024: €-15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-57k-€-110k▼ 94.4%€-8k▲ 92.7%€2k€-4k
Operating result€-29k-€-53k▼ 86.5%€102k€-6k
Net result€-29k-€-54k▼ 86.1%€102k€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €102k in 2023.
Key figures and ratios
Solvency
-12.7%▼
2024 · 12.1%
Current ratio
0.89▲
2024 · 0.03
Quick ratio
0.89▲
2024 · 0.03
Debt / equity
-8.85▼
2024 · 7.27
ROE
148.2%
ROA
-18.9%
Debt
€37k▲
2024 · €16k
Debt ≤ 1 year
€37k▲
2024 · €16k
Staff costs
€105
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€18k€33k▲
Fixed assets21/28€18k-
Tangible fixed assets22/27€18k-
Furniture and vehicles24€18k-
Current assets29/58€458€33k▲
Amounts receivable within one year40/41-€23k
Trade receivables40-€23k
Cash at bank and in hand54/58€458€9k▲
Equity and liabilities
Total equity and liabilities10/49€18k€33k▲
Equity10/15€2k€-4k▼
Contributions10/11€2k€2k▼
Profit (loss) carried forward14-€-6k
Amounts payable17/49€16k€37k▲
Amounts payable within one year42/48€16k€37k▲
Trade debts44-€13k
Suppliers440/4-€13k
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€16k€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€105
Other operating charges640/8-€18k
Gross operating margin9900-€12k
Operating profit (loss)9901-€-6k
Financial charges65/66B-€210
Recurring financial charges65-€210
Profit (loss) for the period before taxes9903-€-6k
Profit (loss) for the period9904-€-6k
Profit (loss) for the period to be appropriated9905-€-6k
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-6k▲
Profit (loss) brought forward from the previous period14P€-10k-
Shareholders' contribution to the loss794€10k-
The notes to these accounts (2 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
01-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €102k
Net result €102k after 4 loss-making years.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 77 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2017
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.
Ruelle de Forêt 36032 CharleroiGround area
606 m²
Building footprint
56 m²
Volume, LiDAR
579 m³
2 parcels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AXEL & C°
since 20172.274.410.171
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026D0817/00R003indicative | Wallonia | 321 m² | 1 · 56 m² | 12.2 m · 3 fl. |
| 52050A0049/00A008 | Wallonia | 285 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 599 companies in sector 47610 we hold annual accounts for 240. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2017
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.