LabelGemme
ActiveSummary
The computed 12-month bankruptcy probability of LabelGemme is 2.7% (moderate). The 2025 annual accounts show equity of €62k and a net result of €47k. Its solvency ranks better than 55% of 18280 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+23
Solvency65▲+29
Growth78
Track record82
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 4.15 against 2.64 in 2024; short-term debt: 20.3% and cash: 2.6% of total assets), but 59.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 47
Relative position
BE, all sectors
reference
Sector 47
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
40.1%
Return on assets
30.3%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 d early
2024
22 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 308%
2024 · €15k
2024: €15k
2024 → 2025
Total assets
€155k▲ 14.2%
2024 · €135k
2024: €135k
2024 → 2025
Net result
€47k▲ 410%
2024 · €9k
2024: €9k
2024 → 2025
Working capital
€99k▲ 50.4%
2024 · €66k
2024: €66k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€15k-€62k▲ 308%
Operating result€14k-€69k▲ 380%
Net result€9k-€47k▲ 410%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 380% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€25k ▼ 17.6%
Current assets
€130k ▲ 23.2%
Equity and liabilities €155k
Equity
€62k ▲ 308%
Debt
€93k ▼ 22.9%
Debt's share of the balance-sheet total falls from 88.8% to 59.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €16k
Cash flow
€52k▲
2024 · €11k
Current ratio
4.15▲
2024 · 2.64
Quick ratio
0.76▲
2024 · 0.56
Debt to equity
1.49▼
2024 · 7.92
ROE
75.5%▲
2024 · 60.5%
ROA
30.3%▲
2024 · 6.8%
Interest coverage
13.37▲
2024 · 8.61
Debt ≤ 1 year
€31k▼
2024 · €40k
Debt > 1 year
€61k▼
2024 · €80k
Income taxes
€17k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€135k€155k▲
Fixed assets21/28€30k€25k▼
Intangible fixed assets21€15k€13k▼
Tangible fixed assets22/27€16k€12k▼
Furniture and vehicles24€13k€9k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€105k€130k▲
Stocks and contracts in progress3€83k€106k▲
Stocks30/36€83k€106k▲
Amounts receivable within one year40/41€61€13k▲
Trade receivables40€61€1k▲
Other amounts receivable41-€12k
Cash at bank and in hand54/58€16k€4k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€135k€155k▲
Equity10/15€15k€62k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€9k€56k▲
Amounts payable17/49€120k€93k▼
Amounts payable after more than one year17€80k€61k▼
Financial debts170/4€80k€61k▼
Amounts payable within one year42/48€40k€31k▼
Current portion of amounts payable after more than one year42€18k€23k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€6k▼
Other amounts payable47/48€8k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€498€1k▲
Gross operating margin9900€17k€76k▲
Operating profit (loss)9901€14k€69k▲
Financial income75/76B€1€265▲
Recurring financial income75€1€265▲
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€13k€64k▲
Income taxes67/77€3k€17k▲
Profit (loss) for the period9904€9k€47k▲
Profit (loss) for the period to be appropriated9905€9k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€56k▲
Profit (loss) brought forward from the previous period14P-€9k
The notes to these accounts (10 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Wavre · 2 establishment units since 2024
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.
Rue Provinciale 1781301 WavreGround area
819 m²
Building footprint
135 m²
Volume, LiDAR
1,104 m³
2 parcels, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
LabelGemme
since 20242.363.651.557
LabelGemme
since 20242.363.651.656
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006D0195/00K003 | Wallonia | 767 m² | 1 · 92 m² | 10.0 m · 2 fl. |
| 25112M0667/00A000 | Wallonia | 52 m² | 1 · 43 m² | 14.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 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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J. PAHAUX
BE 0477.408.561
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BE 1006.482.094
Sint-Jans-Molenbeek · Eq €61,158
ORIZON
BE 0894.853.308
Binche · Eq €63,119
J2 MUSIC
BE 0476.722.732
Holsbeek · Eq €60,658
Nisa Home
BE 0534.494.249
Antwerpen · Eq €60,611
Of 2,017 companies in sector 47770 we hold annual accounts for 898. 668 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.