ORNAMENTI
ActiveORNAMENTI has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €701k and a net result of €151k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+42
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 4.37 against 2.96 in 2024), and 22.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
77.5%
Return on assets
16.7%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
42 d early
2023
14 d early
2022
31 d late
2021
19 d late
2020
12 d late
2019
66 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€701k▲ 27.4%
2024 · €551k
2018: €135k
2019: €197k
2020: €279k
2021: €337k
2022: €382k
2023: €487k
2024: €551k
2018 → 2025
Total assets
€905k▲ 9.7%
2024 · €824k
2018: €556k
2019: €503k
2020: €515k
2021: €533k
2022: €614k
2023: €752k
2024: €824k
2018 → 2025
Net result
€151k▲ 135%
2024 · €64k
2018: €50k
2019: €65k
2020: €90k
2021: €61k
2022: €45k
2023: €109k
2024: €64k
2018 → 2025
Working capital
€686k▲ 29.7%
2024 · €529k
2018: €84k
2019: €139k
2020: €221k
2021: €285k
2022: €337k
2023: €452k
2024: €529k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€382k▲ 13.4%€487k▲ 27.3%€551k▲ 13.2%€701k▲ 27.4%
Operating result€72k-€70k▼ 1.7%€156k▲ 122%€93k▼ 40.5%€220k▲ 138%
Net result€61k-€45k▼ 26.1%€109k▲ 142%€64k▼ 41.4%€151k▲ 135%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 138% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €905k
Fixed assets
€15k▼ 40.1%
Current assets
€890k▲ 11.3%
Equity and liabilities €905k
Equity
€701k▲ 27.4%
Debt
€203k▼ 25.7%
The debt ratio falls from 33.2% to 22.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€231k▲
2024 · €103k
Cash flow
€161k▲
2024 · €75k
Solvency
77.5%▲
2024 · 66.8%
Current ratio
4.37▲
2024 · 2.96
Quick ratio
1.12▼
2024 · 1.12
Debt / equity
0.29▼
2024 · 0.50
ROE
21.5%▲
2024 · 11.6%
ROA
16.7%▲
2024 · 7.8%
Interest coverage
65.28▲
2024 · 24.66
Debt
€203k▼
2024 · €274k
Debt ≤ 1 year
€203k▼
2024 · €270k
Income taxes
€66k▲
2024 · €24k
Staff costs
€54k▲
2024 · €45k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€824k€905k▲
Fixed assets21/28€25k€15k▼
Intangible fixed assets21€3k€3k=
Tangible fixed assets22/27€21k€11k▼
Plant, machinery and equipment23€2k€965▼
Furniture and vehicles24€2k€575▼
Other tangible fixed assets26€17k€9k▼
Financial fixed assets28€1k€1k▲
Current assets29/58€799k€890k▲
Stocks and contracts in progress3€495k€661k▲
Stocks30/36€495k€661k▲
Amounts receivable within one year40/41€247€1k▲
Trade receivables40€247€1k▲
Cash at bank and in hand54/58€292k€210k▼
Deferred charges and accrued income490/1€12k€17k▲
Equity and liabilities
Total equity and liabilities10/49€824k€905k▲
Equity10/15€551k€701k▲
Contributions10/11€6k€6k=
Reserves13€540k€693k▲
Distributable reserves133€540k€693k▲
Profit (loss) carried forward14€5k€2k▼
Amounts payable17/49€274k€203k▼
Amounts payable within one year42/48€270k€203k▼
Current portion of amounts payable after more than one year42€253k€122k▼
Trade debts44€4k€21k▲
Suppliers440/4€4k€21k▲
Taxes, remuneration and social security45€14k€60k▲
Taxes450/3€5k€53k▲
Remuneration and social security454/9€8k€7k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€45k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€34k€227▼
Gross operating margin9900€185k€288k▲
Operating profit (loss)9901€93k€220k▲
Financial income75/76B€30€268▲
Recurring financial income75€30€268▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€89k€217k▲
Income taxes67/77€24k€66k▲
Profit (loss) for the period9904€64k€151k▲
Profit (loss) for the period to be appropriated9905€64k€151k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€155k▲
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer to equity691/2€64k€153k▲
To other reserves6921€64k€153k▲
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €151k ▲135%
Operating result €220k, net result €151k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €551k ▲13.2%
7 profitable years in a row build equity to €551k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €45k ▼26.1%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Equity above €200kEq €279k ▲41.4%
3 profitable years in a row build equity to €279k.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
31-12
Financial
Equity above €150kEq €197k ▲46.5%
2 profitable years in a row build equity to €197k.
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 41 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 1999
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.
Leopoldstraat 122000 AntwerpenGround area
158 m²
Building footprint
155 m²
Volume, LiDAR
2,214 m³
Parcel 11803C1069/00F000, Flanders · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
JEWEL IN A BOX
since 19992.091.424.423
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C1069/00F000 | Flanders | 157 m² | 1 · 155 m² | 18.6 m · 5 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
Hoorbaar Solidaris
BE 0878.045.186
Hasselt · Eq €693k
DIANINE
BE 0863.820.434
Antwerpen · Eq €683k
JUWELEN VANPARRYS
BE 0839.921.119
Maldegem · Eq €721k
EQUINO
BE 0474.730.569
Merchtem · Eq €730k
BEMINOR
BE 0824.932.837
Hasselt · Eq €733k
Of 565 companies in sector 46480 we hold annual accounts for 352. 212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-1993
Fiscal year end31-12
Activities, NACEBEL
46480Wholesale trade
47770Retail sale of watches and jewellery
51474
52484
32123Manufacture of jewellery
36223
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.