NET BEDDING
ActiveSummary
NET BEDDING has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,411 and a net result of €12,937. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 35% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-9
Solvency42▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.14 in 2024; short-term debt: 83.4% and cash: 13.7% of total assets), and 83.4% of the assets are financed with debt.
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Signals
Three 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
16.6%
Return on assets
5.7%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
63 d early
2024
41 d early
2023
33 d early
2022
35 d early
2021
18 d early
2020
18 d early
2019
42 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 24 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,411▲ 52.9%
2024 · €24,474
Total assets
€225,561▲ 14.6%
2024 · €196,887
Net result
€12,937▼ 48.2%
2024 · €24,993
Working capital
€31,036▲ 29.2%
2024 · €24,012
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€26,679€14,291€32,379▲ 127%€23,496▼ 27.4%€11,803▼ 49.8%
Net result-€28,218below the sector's middle half€13,777within the sector's middle half€33,775above the sector's middle half▲ 145%€24,993above the sector's middle half▼ 26.0%€12,937within the sector's middle half▼ 48.2%
Equity-€48,071below the sector's middle half▼ 142%-€34,294below the sector's middle half▲ 28.7%-€519below the sector's middle half▲ 98.5%€24,474within the sector's middle half€37,411within the sector's middle half▲ 52.9%
Total assets€91,333within the sector's middle half▲ 13.4%€131,151within the sector's middle half▲ 43.6%€216,947within the sector's middle half▲ 65.4%€196,887within the sector's middle half▼ 9.2%€225,561within the sector's middle half▲ 14.6%
Debt€139,404▲ 38.9%€165,445▲ 18.7%€217,466▲ 31.4%€172,413▼ 20.7%€188,150▲ 9.1%
Working capital-€48,360▼ 137%-€34,294▲ 29.1%-€1,320▲ 96.2%€24,012€31,036▲ 29.2%
Solvency-52.6%below the sector's middle half▼ 28.0pp-26.1%below the sector's middle half▲ 26.5pp-0.2%below the sector's middle half▲ 25.9pp12.4%within the sector's middle half▲ 12.7pp16.6%within the sector's middle half▲ 4.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225,561
Fixed assets
€6,375 ▲ 1,282%
Current assets
€219,186 ▲ 11.6%
Equity and liabilities €225,561
Equity
€37,411 ▲ 52.9%
Debt
€188,150 ▲ 9.1%
Debt's share of the balance-sheet total falls from 87.6% to 83.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13,452▼
2024 · €23,835
Cash flow
€14,585▼
2024 · €25,332
Current ratio
1.16▲
2024 · 1.14
Quick ratio
0.36▲
2024 · 0.23
Debt to equity
5.03▼
2024 · 7.04
ROE
34.6%▼
2024 · 102.1%
ROA
5.7%▼
2024 · 12.7%
Interest coverage
26.34▼
2024 · 56.70
Debt ≤ 1 year
€188,150▲
2024 · €172,413
Staff costs
€6,361▼
2024 · €7,698
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,703 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,703 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €24,111 | €3,169 | €10,381 | €7,698 | €6,361 | ▼ 17.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €289 | €289 | €216 | €339 | €1,648 | ▲ 386% |
| Other operating charges640/8 | €2,125 | €1,078 | €738 | €1,131 | €1,726 | ▲ 52.6% |
| Gross operating margin9900 | -€154 | €18,827 | €43,714 | €32,664 | €21,539 | ▼ 34.1% |
| Operating profit (loss)9901 | -€26,679 | €14,291 | €32,379 | €23,496 | €11,803 | ▼ 49.8% |
| Financial income75/76B | €34 | €567 | €1,731 | €1,918 | €1,644 | ▼ 14.3% |
| Recurring financial income75 | €34 | €567 | €1,731 | €1,918 | €1,644 | ▼ 14.3% |
| Financial charges65/66B | €1,573 | €1,081 | €335 | €420 | €511 | ▲ 21.5% |
| Recurring financial charges65 | €1,573 | €1,081 | €335 | €420 | €511 | ▲ 21.5% |
| Profit (loss) for the period before taxes9903 | -€28,218 | €13,777 | €33,775 | €24,993 | €12,937 | ▼ 48.2% |
| Profit (loss) for the period9904 | -€28,218 | €13,777 | €33,775 | €24,993 | €12,937 | ▼ 48.2% |
| Profit (loss) for the period to be appropriated9905 | -€28,218 | €13,777 | €33,775 | €24,993 | €12,937 | ▼ 48.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €91,333 | €131,151 | €216,947 | €196,887 | €225,561 | ▲ 14.6% |
| Fixed assets21/28 | €289 | - | €800 | €461 | €6,375 | ▲ 1,282% |
| Tangible fixed assets22/27 | €289 | - | €800 | €461 | €6,375 | ▲ 1,282% |
| Furniture and vehicles24 | €289 | - | €800 | €461 | €6,375 | ▲ 1,282% |
| Current assets29/58 | €91,044 | €131,151 | €216,146 | €196,426 | €219,186 | ▲ 11.6% |
| Stocks and contracts in progress3 | €51,073 | €96,073 | €157,073 | €156,523 | €151,748 | ▼ 3.1% |
| Stocks30/36 | €51,073 | €96,073 | €157,073 | €156,523 | €151,748 | ▼ 3.1% |
| Amounts receivable within one year40/41 | €5,470 | €1,126 | €51,548 | €25,181 | €36,430 | ▲ 44.7% |
| Trade receivables40 | €5,470 | €708 | €43,757 | €25,181 | €36,430 | ▲ 44.7% |
| Other amounts receivable41 | - | €418 | €7,791 | - | - | - |
| Cash at bank and in hand54/58 | €25,141 | €30,292 | €7,525 | €14,722 | €31,007 | ▲ 111% |
| Deferred charges and accrued income490/1 | €9,360 | €3,659 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €91,333 | €131,151 | €216,947 | €196,887 | €225,561 | ▲ 14.6% |
| Equity10/15 | -€48,071 | -€34,294 | -€519 | €24,474 | €37,411 | ▲ 52.9% |
| Contributions10/11 | €60,000 | €60,000 | €60,000 | €60,000 | €60,000 | = |
| Outside capital11 | €60,000 | - | - | - | - | - |
| Other1109/19 | €60,000 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€108,071 | -€94,294 | -€60,519 | -€35,526 | -€22,589 | ▲ 36.4% |
| Amounts payable17/49 | €139,404 | €165,445 | €217,466 | €172,413 | €188,150 | ▲ 9.1% |
| Amounts payable within one year42/48 | €139,404 | €165,445 | €217,466 | €172,413 | €188,150 | ▲ 9.1% |
| Trade debts44 | €13,413 | €7,670 | €61,379 | €11,888 | €20,821 | ▲ 75.1% |
| Suppliers440/4 | €13,413 | €7,670 | €61,379 | €11,888 | €20,821 | ▲ 75.1% |
| Advances received on contracts in progress46 | €8,287 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €12,301 | €15,867 | €16,126 | €17,142 | €24,066 | ▲ 40.4% |
| Taxes450/3 | €7,530 | €12,442 | €11,903 | €15,222 | €22,360 | ▲ 46.9% |
| Remuneration and social security454/9 | €4,772 | €3,425 | €4,223 | €1,920 | €1,706 | ▼ 11.1% |
| Other amounts payable47/48 | €105,402 | €141,907 | €139,961 | €143,383 | €143,263 | ▼ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€28,218 | €13,777 | €33,775 | €24,993 | €12,937 | ▼ 48.2% |
| + Depreciation and write-downs630 | €289 | €289 | €216 | €339 | €1,648 | ▲ 386% |
| Operating cash flow (approximation) | -€27,929 | €14,066 | €33,991 | €25,332 | €14,585 | ▼ 42.4% |
| Investment in fixed assets (approximation) | - | - | - | €0 | -€7,562 | - |
| Change in cash | - | €5,151 | -€22,768 | €7,197 | €16,286 | ▲ 126% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €33,775 ▲145%
Operating result €32,379, net result €33,775, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13,777
Net result €13,777 after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €33,086
Net result €33,086 after 2 loss-making years.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2017
Ground area
636 m²
Building footprint
138 m²
Volume, LiDAR
1,549 m³
Parcel 11019B0194/00Y008, Flanders · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ERGO BED
since 20172.267.093.896
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11019B0194/00Y008 | Flanders | 636 m² | 1 · 138 m² | 12.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
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SANJOE
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Meubles Family
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Of 2,606 companies in sector 47551 we hold annual accounts for 1,718. 1,113 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47551Retail sale of household furniture
E-invoicing
Reachable via Peppol
Peppol ID
0208:0679626144
Also
9925:BE0679626144
Registered
07-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.