PERLA BELLA

Active

Private limited companyfounded 20224 yrs activeHoek 76, 2850 Boom, BelgiumKBO/BCE: BE 0786.778.975

Summary

The computed 12-month bankruptcy probability of PERLA BELLA is 2.7% (moderate). The 2024 annual accounts show equity of €176k and a net result of €103k. Equity is growing by ~121.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 26043 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

49 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability78▼-2

Solvency38▲+5

Growth78=

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity tight (current ratio 1.12 against 1.05 in 2023; short-term debt: 84.5% and cash: 6.8% of total assets), and 87.4% of the assets are financed with debt.

How do we compute the score and the probability?

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Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

68 d late

2023

432 d late

2022

81 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€176k▲ 142%

2023 · €73k

2022: €-2k 2023: €73k

2022 → 2024

Total assets

€1.40M▲ 62.5%

2023 · €860k

2022: €65k 2023: €860k

2022 → 2024

Net result

€103k▲ 38.8%

2023 · €74k

2022: €-5k 2023: €74k

2022 → 2024

Working capital

€137k▲ 254%

2023 · €39k

2022: €-6k 2023: €39k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€-2k-€73k€176k▲ 142%

Operating result€-4k-€103k€157k▲ 52.1%

Net result€-5k-€74k€103k▲ 38.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2024 is 52% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €1.40M

94.3%

Fixed assets €80k ▲ 132%

Current assets €1.32M ▲ 59.6%

Equity and liabilities €1.40M

12.6%

87.4%

Equity €176k ▲ 142%

Debt €1.22M ▲ 55.1%

Debt's share of the balance-sheet total falls from 91.5% to 87.4%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€171k▲

2023 · €112k

Cash flow

€117k▲

2023 · €83k

Current ratio

1.12▲

2023 · 1.05

Quick ratio

0.76▲

2023 · 0.70

Debt to equity

6.93▼

2023 · 10.79

ROE

58.6%▼

2023 · 102.1%

ROA

7.4%▼

2023 · 8.7%

Interest coverage

21.41▼

2023 · 30.48

Debt ≤ 1 year

€1.18M▲

2023 · €787k

Debt > 1 year

€40k

Income taxes

€45k▲

2023 · €25k

Staff costs

€189k▲

2023 · €77k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 46 lines

Balance sheet Code20232024

Assets

Total assets20/58€860k€1.40M▲

Fixed assets21/28€34k€80k▲

Intangible fixed assets21€2k€1k▼

Tangible fixed assets22/27€27k€70k▲

Plant, machinery and equipment23€14k€11k▼

Furniture and vehicles24€13k€59k▲

Financial fixed assets28€6k€9k▲

Current assets29/58€826k€1.32M▲

Stocks and contracts in progress3€271k€416k▲

Stocks30/36€271k€416k▲

Amounts receivable within one year40/41€501k€806k▲

Trade receivables40€501k€806k▲

Cash at bank and in hand54/58€52k€95k▲

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€860k€1.40M▲

Equity10/15€73k€176k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€70k€173k▲

Amounts payable17/49€787k€1.22M▲

Amounts payable after more than one year17-€40k

Financial debts170/4-€40k

Amounts payable within one year42/48€787k€1.18M▲

Current portion of amounts payable after more than one year42-€10k

Financial debts43€14k€15k▲

Credit institutions430/8€14k€15k▲

Trade debts44€511k€691k▲

Suppliers440/4€511k€691k▲

Taxes, remuneration and social security45€131k€344k▲

Taxes450/3€118k€313k▲

Remuneration and social security454/9€13k€32k▲

Other amounts payable47/48€130k€121k▼

Income statement Code20232024

Remuneration, social security and pensions62€77k€189k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€14k▲

Other operating charges640/8€10k€32k▲

Gross operating margin9900€199k€392k▲

Operating profit (loss)9901€103k€157k▲

Financial income75/76B€65€9▼

Recurring financial income75€65€9▼

Financial charges65/66B€4k€8k▲

Recurring financial charges65€4k€8k▲

Profit (loss) for the period before taxes9903€99k€149k▲

Income taxes67/77€25k€45k▲

Profit (loss) for the period9904€74k€103k▲

Profit (loss) for the period to be appropriated9905€74k€103k▲

Appropriation of the result

Profit (loss) to be appropriated9906€70k€173k▲

Profit (loss) brought forward from the previous period14P€-5k€70k▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

2025

07-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 68 days late

06-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 432 days late

2024

31-12

Financial Highest result since 2022net €103k ▲38.8%

Operating result €157k, net result €103k, both a record.

31-12

Financial Equity above €150kEq €176k ▲142%

2 profitable years in a row build equity to €176k.

2023

31-12

Financial Back to profitnet €74k

Net result €74k after one loss-making year.

11-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Boom · 2 establishment units since 2022

establishment All 2 establishment units on the map

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.

Hoek 762850 Boom

Ground area

5,407 m²

Building footprint

1,045 m²

Volume, LiDAR

5,778 m³

2 parcels, Flanders · tallest building 37.6 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

PERLA BELLA

Hoek 76, 2850 BoomRetail trade

since 20222.332.237.910

Mechelsesteenweg 97, 1910 Kampenhout

Retail sale of clothing and accessories for women, men, children and babies (general range)

since 20252.377.776.836

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11622C0556/00W002	Flanders	3,065 m²	1 · 347 m²	8.1 m · 2 fl.
23038A0018/00P000	Flanders	2,342 m²	1 · 698 m²	37.6 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

CINQ

BE 0887.538.023

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4DIZZ

BE 0860.358.722

Knokke-Heist · Eq €176,594

CTNTEX

BE 0647.954.456

Brussel · Eq €176,677

LES JARDINS DE VIRGINIE

BE 0436.036.180

Virton · Eq €175,725

BE 0426.219.780

Antwerpen · Eq €177,225

Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,819 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-06-2022

Fiscal year end31-12

Activities, NACEBEL 2025

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

63100Computing infrastructure, data processing, hosting and related activities

74120Graphic design and visual communication

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.