LADY DANDY
ActiveSummary
LADY DANDY has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €6k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+53
Solvency100▲+23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.22 against 1.81 in 2024; short-term debt: 23.6% and cash: 85.3% of total assets), and 23.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
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
76.4%
Return on assets
8.7%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
17 d late
2022
on the day
2021
12 d early
2020
11 d early
2019
30 d early
← 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
€52k▲ 5.1%
2024 · €49k
2018: €40k
2019: €40k
2020: €42k
2021: €53k
2022: €68k
2023: €54k
2024: €49k
2018 → 2025
Total assets
€68k▼ 27.9%
2024 · €94k
2018: €67k
2019: €62k
2020: €94k
2021: €107k
2022: €144k
2023: €118k
2024: €94k
2018 → 2025
Net result
€6k
2024 · €-5k
2018: €1k
2019: €189
2020: €16k
2021: €17k
2022: €18k
2023: €-18k
2024: €-5k
2018 → 2025
Working capital
€51k▲ 73.8%
2024 · €30k
2018: €39k
2019: €39k
2020: €45k
2021: €54k
2022: €49k
2023: €36k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€68k▲ 28.3%€54k▼ 20.6%€49k▼ 9.1%€52k▲ 5.1%
Operating result€25k-€27k▲ 9.6%€-15k€-2k▲ 84.2%€9k
Net result€17k-€18k▲ 4.3%€-18k€-5k▲ 71.8%€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€327 ▼ 98.8%
Current assets
€67k ▲ 2.2%
Equity and liabilities €68k
Equity
€52k ▲ 5.1%
Debt
€16k ▼ 64.2%
Debt's share of the balance-sheet total falls from 47.6% to 23.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €2k
Cash flow
€12k▲
2024 · €-362
Current ratio
4.22▲
2024 · 1.81
Quick ratio
3.78▲
2024 · 1.59
Debt to equity
0.31▼
2024 · 0.91
ROE
11.4%▲
2024 · -10.0%
ROA
8.7%▲
2024 · -5.2%
Interest coverage
5.06▲
2024 · 0.86
Debt ≤ 1 year
€16k▼
2024 · €36k
Debt > 1 year
€0▼
2024 · €8k
Income taxes
€32▲
2024 · €11
Staff costs
€243▲
2024 · €136
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€68k▼
Fixed assets21/28€28k€327▼
Tangible fixed assets22/27€28k€327▼
Furniture and vehicles24€977€327▼
Other tangible fixed assets26€27k€0▼
Current assets29/58€66k€67k▲
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€11k€1k▼
Trade receivables40€2k€260▼
Other amounts receivable41€9k€816▼
Cash at bank and in hand54/58€47k€58k▲
Deferred charges and accrued income490/1€457€2k▲
Equity and liabilities
Total equity and liabilities10/49€94k€68k▼
Equity10/15€49k€52k▲
Contributions10/11€20k€20k=
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-5k€635▲
Investment grants15€3k€0▼
Amounts payable17/49€45k€16k▼
Amounts payable after more than one year17€8k€0▼
Financial debts170/4€8k€0▼
Amounts payable within one year42/48€36k€16k▼
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€6k€6k▼
Suppliers440/4€6k€6k▼
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€16k€8k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€136€243▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€861€1k▲
Non-recurring operating charges66A-€22k
Gross operating margin9900€3k€38k▲
Operating profit (loss)9901€-2k€9k▲
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-5k€6k▲
Income taxes67/77€11€32▲
Profit (loss) for the period9904€-5k€6k▲
Profit (loss) for the period to be appropriated9905€-5k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€635▲
Profit (loss) brought forward from the previous period14P€-359€-5k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 4.22
Current ratio from 1.81 to 4.22; short-term debt falls from €36k to €16k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 17 days late
2023
31-12
Financial
Weakest financial yearnet €-18k ▼197%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €18k ▲4.3%
Operating result €27k, net result €18k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Elsene · 1 establishment unit since 2008
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.
Lesbroussartstraat 761050 ElseneGround area
387 m²
Building footprint
386 m²
Volume, LiDAR
4,511 m³
2 parcels, Brussels · tallest building 21.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
LADY DANDY
since 20082.170.703.216
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21444B0199/00W025 | Brussels | 261 m² | 1 · 260 m² | 19.2 m · 3 fl. |
| 21447B0301/00T006 | Brussels | 126 m² | 1 · 126 m² | 21.7 m · 6 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.
Similar companies · same sector, comparable size
SERRURERIE-QUINCAILLERIE FOLIE
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EVASIONS
BE 0462.452.547
Brussel · Eq €53,858
ANTIQUARIAAT GARCIA
BE 0461.320.716
Mechelen · Eq €48,646
MAS BXL
BE 0711.913.682
Jette · Eq €47,358
EMPORIUM ANTIQUUM
BE 0476.688.484
Sint-Truiden · Eq €47,356
Of 949 companies in sector 47792 we hold annual accounts for 184. 130 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
Founded22-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47792Retail sale of second-hand clothing
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46419Wholesale trade
47512Retail sale of household textiles and bedding
47793Retail sale of other second-hand goods, excluding clothing
73300Public relations and communication consultancy
74120Graphic design and visual communication
74130Interior design
74140Other specialised design activities
77224Rental and leasing activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.