PIAZZA
ActivePIAZZA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €434k and a net result of €13k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy▲ +34 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▲+15
Solvency53▲+7
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.65 in 2024), but 74.6% 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
25.4%
Return on assets
0.8%
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
42 d early
2023
57 d early
2022
53 d early
2021
40 d early
2020
37 d early
2019
7 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€434k▲ 3.2%
2024 · €421k
2018: €388k
2019: €343k
2020: €361k
2021: €401k
2022: €404k
2023: €432k
2024: €421k
2018 → 2025
Total assets
€1.71M▼ 8.4%
2024 · €1.86M
2018: €1.83M
2019: €1.72M
2020: €2.05M
2021: €2.26M
2022: €2.08M
2023: €2.04M
2024: €1.86M
2018 → 2025
Net result
€13k
2024 · €-11k
2018: €15k
2019: €80k
2020: €104k
2021: €96k
2022: €3k
2023: €28k
2024: €-11k
2018 → 2025
Working capital
€655k▼ 6.3%
2024 · €699k
2018: €267k
2019: €190k
2020: €173k
2021: €848k
2022: €765k
2023: €735k
2024: €699k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€401k-€404k▲ 0.7%€432k▲ 7.0%€421k▼ 2.6%€434k▲ 3.2%
Operating result€180k-€32k▼ 82.2%€93k▲ 190%€32k▼ 65.1%€56k▲ 71.0%
Net result€96k-€3k▼ 97.2%€28k▲ 937%€-11k€13k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 71% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€61k▼ 31.6%
Current assets
€1.64M▼ 7.3%
Equity and liabilities €1.71M
Equity
€434k▲ 3.2%
Debt
€1.27M▼ 11.8%
The debt ratio falls from 77.4% to 74.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€93k▲
2024 · €75k
Cash flow
€50k▲
2024 · €32k
Solvency
25.4%▲
2024 · 22.6%
Current ratio
1.66▲
2024 · 1.65
Quick ratio
0.36▼
2024 · 0.38
Debt / equity
2.93▼
2024 · 3.43
ROE
3.1%▲
2024 · -2.7%
ROA
0.8%▲
2024 · -0.6%
Interest coverage
2.92▲
2024 · 1.85
Debt
€1.27M▼
2024 · €1.44M
Debt ≤ 1 year
€989k▼
2024 · €1.07M
Debt > 1 year
€282k▼
2024 · €302k
Income taxes
€11k▲
2024 · €3k
Staff costs
€416k▼
2024 · €464k
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€1.86M€1.71M▼
Fixed assets21/28€90k€61k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€87k€60k▼
Plant, machinery and equipment23€48k€30k▼
Furniture and vehicles24€36k€28k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€1.77M€1.64M▼
Stocks and contracts in progress3€1.36M€1.28M▼
Stocks30/36€1.36M€1.28M▼
Amounts receivable within one year40/41€347k€308k▼
Trade receivables40€275k€230k▼
Other amounts receivable41€72k€78k▲
Cash at bank and in hand54/58€1k€9k▲
Deferred charges and accrued income490/1€64k€44k▼
Equity and liabilities
Total equity and liabilities10/49€1.86M€1.71M▼
Equity10/15€421k€434k▲
Contributions10/11€29k€29k=
Reserves13€392k€405k▲
Tax-exempt reserves132€386€386=
Distributable reserves133€392k€405k▲
Amounts payable17/49€1.44M€1.27M▼
Amounts payable after more than one year17€302k€282k▼
Financial debts170/4€225k€65k▼
Other amounts payable178/9€77k€217k▲
Amounts payable within one year42/48€1.07M€989k▼
Current portion of amounts payable after more than one year42€119k€112k▼
Financial debts43€400k€400k=
Credit institutions430/8€400k€400k=
Trade debts44€500k€415k▼
Suppliers440/4€500k€415k▼
Taxes, remuneration and social security45€55k€63k▲
Taxes450/3€16k€29k▲
Remuneration and social security454/9€40k€34k▼
Accrued charges and deferred income492/3€65k€515▼
Income statement
Code20242025
Remuneration, social security and pensions62€464k€416k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€37k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€52k
Other operating charges640/8€2k€8k▲
Gross operating margin9900€541k€569k▲
Operating profit (loss)9901€32k€56k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€41k€32k▼
Recurring financial charges65€41k€32k▼
Profit (loss) for the period before taxes9903€-8k€24k▲
Income taxes67/77€3k€11k▲
Profit (loss) for the period9904€-11k€13k▲
Profit (loss) for the period to be appropriated9905€-11k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€13k▲
Transfer from equity791/2€11k€0▼
Transfer to equity691/2€0€13k▲
To other reserves6921€0€13k▲
Social balance
Average headcount (FTE)90875.65.4▼
The notes to these accounts (14 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-11k ▼140%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €104k ▲29.5%
Net result €104k, the highest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Lille · 1 establishment unit since 2001
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.
Vlimmersebaan 1362275 LilleGround area
1.4 ha
Building footprint
7,609 m²
Volume, LiDAR
51,524 m³
Parcel 13047A0198/00Y002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vlimmersebaan 136, 2275 Lille
since 20012.101.152.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13047A0198/00Y002 | Flanders | 1.4 ha | 1 · 7,609 m² | 9.1 m · 2 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
DIOTIMA
BE 0414.063.504
Braine-le-Château · Eq €435k
OneLIFE
BE 0588.983.109
Ottignies-Louvain-la-Neuve · Eq €435k
SENITAS
BE 0832.163.493
Diepenbeek · Eq €435k
SBT Lab
BE 0730.715.648
Aalter · Eq €436k
CRISTOM
BE 0874.348.201
Wemmel · Eq €443k
Of 793 companies in sector 46450 we hold annual accounts for 449. 297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-12-2000
Fiscal year end31-12
Activities, NACEBEL
46450Wholesale of perfume and cosmetics
46649Wholesale of other machinery and equipment
51873
46442Wholesale trade
46480Wholesale trade
46492Wholesale trade
46839Wholesale trade
51442
51474
51475
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.