Checked.be
Active
BE 0439.698.624Private limited company
LUISA
Louizalaan 75 ·1050 Elsene, Belgium· 36 yrs active
Sector: Retail sale of clothing and accessories for women, men, children and babies (general range)
(47716)
Conclusion
LUISA has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €680k and a net result of €28k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 4023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €680k |
| Net result | €28k |
| Staff (FTE) | 5.8 |
| Better than sector | 88% |
Financial profile
66
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
68
Profitability
20
Solvency
100
Growth
43
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1989, 36 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.
Checked score
68
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€45k
estimate, not credit advice
Score history
58
2021
58
2022
68
2023
68
2024
68
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.03 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.86 (≥ 1.0)
+5
Leverage
Debt/equity 0.27 (< 1.0)
+10
Profitability
ROE 4%
+3
Interest coverage
Interest coverage -5.7× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 10-06-2026 with the NBB · fiscal year 2025 · full schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~4.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
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 2025 · NACE 47, Retail trade · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 78.6% | 36.1% | |
| Net result | €28k | €42k | |
| Equity | €680k | €441k | |
| Gross operating margin | €376k | €324k | |
| Staff costs | €375k | €340k |
€9.05M
-2.7%
21-25
€-26k
-63.6%
21-25
€28k
-10.7%
21-25
€62k
-11.0%
21-25
€865k
-6.1%
21-25
€680k
+4.2%
21-25
€519k
-2.9%
21-25
6
-14.7%
21-25
€375k
-18.2%
21-25
€14k
-25.0%
21-25
€32k
-
21-25
€185k
-31.1%
21-25
€171k
-36.0%
21-25
€8k
-7.3%
21-25
4.03
+34.4%
21-25
2.86
+28.5%
21-25
78.6%
+11.0%
21-25
0.27
-33.9%
21-25
4.1%
-14.3%
21-25
3.2%
-4.9%
21-25
0.5%
-13.4%
21-25
-1.2%
+29.3%
21-25
-5.72
-81.1%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | full schema | full schema | full schema | full schema | full schema |
| Revenue | - | - | - | €9.05M | €9.30M |
| EBITDA | €-26k | €-16k | €-42k | €-109k | €-158k |
| Net profit | €28k | €31k | €35k | €41k | €49k |
| Cash flow | €62k | €70k | €81k | €86k | €92k |
| Staff costs | €375k | €458k | €464k | €373k | €287k |
| Income taxes | €14k | €19k | €20k | €21k | €18k |
| Dividends | - | - | €32k | - | - |
| Total assets | €865k | €921k | €1.09M | €1.07M | €1.04M |
| Equity | €680k | €652k | €621k | €618k | €577k |
| Debt | €185k | €269k | €468k | €449k | €461k |
| of which ≤ 1y | €171k | €268k | €460k | €431k | €461k |
| of which > 1y | €8k | - | €8k | €17k | - |
| Working capital | €519k | €535k | €473k | €436k | €365k |
| Employees (FTE) | 5.8 | 6.8 | 6.7 | 6.0 | 5.7 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 4.03 | 3.00 | 2.03 | 2.01 | 1.79 |
| Quick ratio | 2.86 | 2.23 | 1.53 | 1.62 | 1.30 |
| Working capital ratio | 60.0% | 58.1% | 43.4% | 40.8% | 35.1% |
| Solvency | 78.6% | 70.8% | 57.0% | 57.9% | 55.6% |
| Debt / equity | 0.27 | 0.41 | 0.75 | 0.73 | 0.80 |
| Long-term debt ratio | 0.01 | - | 0.01 | 0.03 | - |
| Interest coverage | -5.72 | -3.16 | -9.46 | -12.50 | -26.58 |
| Gross margin | - | - | - | -2.6% | -1.9% |
| Net margin | - | - | - | 0.5% | 0.5% |
| ROA | 3.2% | 3.4% | 3.2% | 3.9% | 4.7% |
| ROE | 4.1% | 4.8% | 5.7% | 6.7% | 8.5% |
| EBITDA margin | - | - | - | -1.2% | -1.7% |
| Days sales outstanding | - | - | - | 19d | 10d |
| Days payable outstanding | - | - | - | 15d | 15d |
| Inventory turnover | - | - | - | 55.22 | 42.03 |
| Days inventory (DSI) | - | - | - | 7d | 9d |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €865k | €921k | €1.09M | €1.07M | €1.04M |
| Fixed assets | 21/28 | €174k | €118k | €157k | €200k | €213k |
| Intangible fixed assets | 21 | €4k | €10k | €21k | €36k | €51k |
| Tangible fixed assets | 22/27 | €170k | €108k | €135k | €164k | €162k |
| Financial fixed assets | 28 | €260 | €260 | €260 | €260 | €260 |
| Current assets | 29/58 | €691k | €803k | €933k | €867k | €825k |
| Stocks & contracts in progress | 3 | €200k | €206k | €227k | €168k | €226k |
| Amounts receivable within one year | 40/41 | €265k | €471k | €466k | €470k | €279k |
| Cash & bank | 54/58 | €202k | €91k | €205k | €210k | €292k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €865k | €921k | €1.09M | €1.07M | €1.04M |
| Equity | 10/15 | €680k | €652k | €621k | €618k | €577k |
| Contributions / capital | 10/11 | €31k | €31k | €31k | €31k | €31k |
| Reserves | 13 | €649k | €621k | €590k | €587k | €546k |
| Amounts payable | 17/49 | €185k | €269k | €468k | €449k | €461k |
| Amounts payable after one year | 17 | €8k | - | €8k | €17k | - |
| Amounts payable within one year | 42/48 | €171k | €268k | €460k | €431k | €461k |
| Trade debts payable within one year | 44 | €96k | €196k | €340k | €374k | €397k |
| Income statement | ||||||
| Turnover | 70 | - | - | - | €9.05M | €9.30M |
| Gross operating margin | 9900 | €376k | €449k | €414k | €270k | €133k |
| Operating result | 9901 | €-60k | €-54k | €-88k | €-154k | €-201k |
| Financial income | 75 | €106k | €109k | €147k | €225k | €274k |
| Financial charges | 65 | €4k | €5k | €4k | €9k | €6k |
| Result before taxes | 9903 | €42k | €50k | €55k | €62k | €67k |
| Income taxes | 67/77 | €14k | €19k | €20k | €21k | €18k |
| Net result for the period | 9904 | €28k | €31k | €35k | €41k | €49k |
| Result to be appropriated | 9905 | €28k | €31k | €35k | €41k | €49k |
Directors & mandates
Current directors & mandates
-
STIMMER DanielAdministrateur uniqueState Gazette act 24404952 (12-06-2024)Current12-06-2024 → present
Legal Structure
| NACE primary | Retail sale of clothing and accessories for women, men, children and babies (general range)(47716) |
| Legal form | Private limited company(610) |
| Incorporation | 27-12-1989 |
| Status | Active |
| Postal code | 1050 |
Establishment units
LES HALLES LOUISE
since 19902.049.393.729
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0136/00Z000 | Brussels | 185 m² | 1 · 117 m² | 27.7 m · 6 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €28k ▼10.7%
Net result drops to €28k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
12-06
State Gazette act
Director changes
v3.2
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2024
12-06-2024 STIMMER Daniel appointed as administrateur unique
- STIMMER Daniel, Administrateur unique
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "administrateur unique",
"person": {
"rrn": null,
"name": "STIMMER Daniel",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0439.698.624",
"name_full": "LUISA"
}
}Credit advice
Company registry (CBE)
Activities
Retail trade47715Retail sale of clothing and accessories for women, men, children and babies (general range)4771652421
Names & trade names
| Legal nameFR | LUISA |
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