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Active
BE 0787.818.558Private limited company
MY LOVE
Avenue de la Bergerie 115 ·1410 Waterloo, Belgium· 4 yrs active
Sector: Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)
(47716)
Conclusion
The computed 12-month bankruptcy probability of MY LOVE is 3.8% (moderate). The 2024 annual accounts show negative equity (€-76k) and a net result of €-87k. Its solvency ranks better than 16% of 6720 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Key figures
| Equity | €-76k |
| Net result | €-87k |
| Better than sector | 16% |
| Active | 4 yrs |
Financial profile
54
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
7
Profitability
100
Solvency
37
Growth
32
Stability
94
Bankruptcy probability (12 mo)
3.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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.
Health barometer
7
/ 100
Critical
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.
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 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 24-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -29.8% | 20.4% | |
| Net result | €-87k | €4k | |
| Equity | €-76k | €16k | |
| Gross operating margin | €56k | €24k | |
| Staff costs | €122k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-71k
-
23-24
€-87k
-
23-24
€-75k
-
23-24
€255k
-6.2%
23-24
€-76k
-
23-24
€-105k
-590.6%
23-24
7
-
23-24
€122k
-57.0%
23-24
Show 11 other metrics
€387
-93.0%
23-24
€331k
+26.8%
23-24
€324k
+30.3%
23-24
€7k
-44.0%
23-24
0.68
-27.9%
23-24
0.07
-3.0%
23-24
-29.8%
-
23-24
-4.36
-
23-24
114.3%
+57.9%
23-24
-34.1%
-
23-24
-18.16
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-71k |
| Net profit | €-87k |
| Cash flow | €-75k |
| Staff costs | €122k |
| Income taxes | €387 |
| Dividends | - |
| Total assets | €255k |
| Equity | €-76k |
| Debt | €331k |
| of which ≤ 1y | €324k |
| of which > 1y | €7k |
| Working capital | €-105k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.68 |
| Quick ratio | 0.07 |
| Working capital ratio | -41.1% |
| Solvency | -29.8% |
| Debt / equity | -4.36 |
| Long-term debt ratio | -0.09 |
| Interest coverage | -18.16 |
| Gross margin | - |
| Net margin | - |
| ROA | -34.1% |
| ROE | 114.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €255k |
| Fixed assets | 21/28 | €36k |
| Intangible fixed assets | 21 | €25k |
| Tangible fixed assets | 22/27 | €11k |
| Current assets | 29/58 | €219k |
| Stocks & contracts in progress | 3 | €196k |
| Amounts receivable within one year | 40/41 | €0 |
| Investments | 50/53 | €58 |
| Cash & bank | 54/58 | €23k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €255k |
| Equity | 10/15 | €-76k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-79k |
| Amounts payable | 17/49 | €331k |
| Amounts payable after one year | 17 | €7k |
| Amounts payable within one year | 42/48 | €324k |
| Trade debts payable within one year | 44 | €106k |
| Income statement | ||
| Gross operating margin | 9900 | €56k |
| Operating result | 9901 | €-83k |
| Financial income | 75 | €431 |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €-86k |
| Income taxes | 67/77 | €387 |
| Net result for the period | 9904 | €-87k |
| Result to be appropriated | 9905 | €-87k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Legal Structure
| NACE primary | Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)(47716) |
| Legal form | Private limited company(610) |
| Incorporation | 29-06-2022 |
| Status | Active |
| Postal code | 1410 |
Establishment units
MY LOVE
since 20222.333.309.759
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels 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.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0609/00K000 | Wallonia | 912 m² | 1 · 139 m² | 7.6 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.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
24-07-2025
NBB filing
Annual accounts filed
2024
07-08-2024
NBB filing
Annual accounts filed
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.
Credit advice
Company registry (CBE)
Activities
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires in gespecialiseerde winkels (algemeen assortiment)47716Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in uurwerken en sieraden in gespecialiseerde winkels47770Detailhandel in uurwerken en sieraden47770Overige niet-gespecialiseerde detailhandel47120Detailhandel in andere huishoudelijke artikelen, neg47559Detailhandel in andere huishoudelijke artikelen in gespecialiseerde winkels, n.e.g.47599Detailhandel in boeken in gespecialiseerde winkels47610Detailhandel in boeken47610Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
| Legal nameFR | MY LOVE |
Registered office
Avenue de la Bergerie 115
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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