Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of LADYLIKE is 4.5% (elevated). The 2023 annual accounts show negative equity (€-115k) and a net result of €-35k. Equity is shrinking by ~26% per year across the filed fiscal years. Its solvency ranks better than 5% of 5809 sector peers (fiscal year 2023). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone4.5%
Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Higher-failure-rate region
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 394 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 02-10-2024, 63 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 02-10-2024 | 63 d late | 2024-00489312 |
| 31-12-2022 | 31-07-2023 | 28-09-2023 | 59 d late | 2023-00465858 |
| 31-12-2021 | 31-07-2022 | 31-08-2022 | 31 d late | 2022-20409032 |
| 31-12-2020 | 31-07-2021 | 12-11-2021 | 104 d late | 2021-77300198 |
| 31-12-2019 | 31-07-2020 | 30-11-2020 | 122 d late | 2020-73200423 |
| 31-12-2018 | 31-07-2019 | 31-10-2019 | 92 d late | 2019-72900512 |
| 31-12-2017 | 31-07-2018 | 28-09-2018 | 59 d late | 2018-67500369 |
| 31-12-2016 | 31-07-2017 | 27-09-2017 | 58 d late | 2017-63900356 |
| 31-12-2015 | 31-07-2016 | 31-07-2016 | on the day | 2016-40200481 |
| 31-12-2014 | 31-07-2015 | 27-07-2015 | 4 d early | 2015-38000009 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2008, 18 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€15k
EBIT margin28.2%
Net result€-35k
Working capital€-115k-43.1%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 02-10-2024 with the NBB · fiscal year 2023 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~61% of the level (threshold 35%). We therefore deliberately show no projection line.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -7191.7% | 20.0% | |
| Net result | €-35k | €3k | |
| Equity | €-115k | €15k | |
| Gross operating margin | €-2k | €23k | |
| Total assets | €2k | €93k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P5
Stable position over 2020-2023
· n=1505-5809
P8
Weakening position over 2020-2023
· n=1499-5789
P5
Stable position over 2020-2023
· n=1508-5817
P16
Stable position over 2020-2023
· n=1494-5763
Describes the position versus peers, not a forecast.
€15k
-
18-23
€901
-
18-23
€-35k
-
18-23
€-28k
-
18-23
€2k
-96.0%
18-23
€-115k
-43.1%
18-23
€-115k
-43.1%
18-23
€2k
-
18-23
Show 9 other metrics
€116k
-3.1%
18-23
€116k
-3.1%
18-23
0.01
-95.9%
18-23
0.01
-80.8%
18-23
-7191.7%
-3472.1%
18-23
-1.01
+32.3%
18-23
30.1%
-
18-23
-2165.4%
-
18-23
-486.9%
-
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-35k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €2k |
| Equity | €-115k |
| Debt | €116k |
| of which ≤ 1y | €116k |
| of which > 1y | - |
| Working capital | €-115k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 0.01 |
| Quick ratio | 0.01 |
| Working capital ratio | -7191.7% |
| Solvency | -7191.7% |
| Debt / equity | -1.01 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -2165.4% |
| ROE | 30.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2k |
| Current assets | 29/58 | €2k |
| Amounts receivable within one year | 40/41 | €269 |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2k |
| Equity | 10/15 | €-115k |
| Contributions / capital | 10/11 | €19k |
| Accumulated profits (losses) | 14 | €-133k |
| Amounts payable | 17/49 | €116k |
| Amounts payable within one year | 42/48 | €116k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €-2k |
| Operating result | 9901 | €-34k |
| Financial charges | 65 | €88 |
| Result before taxes | 9903 | €-35k |
| Net result for the period | 9904 | €-35k |
| Result to be appropriated | 9905 | €-35k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed17
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
2 directors4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Benjamin BeugomsDirectorState Gazette act 24158902 (06-11-2024)Current06-11-2024 → present
Former directors (1)
-
De Fays AnaisDirectorState Gazette act 24158902 (06-11-2024)Former- → 06-11-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Detailhandel in onderkleding, lingerie en strand- en badkleding(47714) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 16-06-2008 |
| Status | Active |
| Postal code | 1180 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationBoudoir Clandestin
since 20082.171.316.393
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area827 m²
Buildings1
Building footprint716 m²
Volume (LiDAR)4,771 m³
Tallest building17.8 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0004/00Y043 | Brussels | 827 m² | 1 · 716 m² | 17.8 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act All acts · 1
updated 1 year ago
2024
06-11-2024 1 director appointed, 1 resigning correction
- Benjamin Beugoms, Bestuurder
- De Fays Anais, Bestuurder
Analysis
Financial profile
5 of 5 axes measured56
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
17
Profitability
100
Solvency
33
Growth
32
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 47 of the 523 companies in this sector. 17 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in onderkleding, lingerie en strand- en badkleding47714
Primary activity highlighted.
Names & trade names
| Legal nameFR | LADYLIKE |
Registered office
Vanderkinderestraat 405
1180 Ukkel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.