POINT PERDU
ActiveSummary
POINT PERDU has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,112 and a net result of €5,988. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+38
Solvency54▲+54
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Five 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
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 10 filingsDeviation from the deadline
2025
49 d late
2024
102 d late
2023
57 d late
2022
134 d late
2021
143 d late
2020
61 d late
2019
92 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 91 days after 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. Usually files around 10 November (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1,112
2024 · -€4,876
Total assets
€3,794▼ 23.6%
2024 · €4,967
Net result
€5,988▲ 1,991%
2024 · €286
Working capital
-€1,028▲ 85.9%
2024 · -€7,294
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€173▼ 81.1%€1,242▲ 617%€3,237▲ 161%€457▼ 85.9%€6,138▲ 1,244%
Net result€17within the sector's middle half▼ 97.8%€1,054within the sector's middle half▲ 6,115%€3,072within the sector's middle half▲ 191%€286within the sector's middle half▼ 90.7%€5,988within the sector's middle half▲ 1,991%
Equity-€9,288below the sector's middle half▲ 0.2%-€8,234below the sector's middle half▲ 11.3%-€5,162below the sector's middle half▲ 37.3%-€4,876below the sector's middle half▲ 5.5%€1,112below the sector's middle half
Total assets€3,146below the sector's middle half▲ 30.1%€2,878below the sector's middle half▼ 8.5%€4,258below the sector's middle half▲ 47.9%€4,967below the sector's middle half▲ 16.6%€3,794below the sector's middle half▼ 23.6%
Debt€12,434▲ 6.1%€11,112▼ 10.6%€9,420▼ 15.2%€9,842▲ 4.5%€2,681▼ 72.8%
Working capital-€10,604below the sector's middle half▲ 3.2%-€9,550within the sector's middle half▲ 9.9%-€7,858within the sector's middle half▲ 17.7%-€7,294within the sector's middle half▲ 7.2%-€1,028within the sector's middle half▲ 85.9%
Staff (FTE)0.71▲ 42.9%2▲ 100%2=
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 recovers in 2025; 2025 is 1,244% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3,794
Fixed assets
€2,140 ▼ 11.5%
Current assets
€1,653 ▼ 35.1%
Equity and liabilities €3,794
Equity
€1,112
Debt
€2,681
Debt finances 70.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€6,416▲
2024 · €734
Cash flow
€6,266▲
2024 · €564
Interest coverage
42.80▲
2024 · 4.31
Debt ≤ 1 year
€2,681▼
2024 · €9,842
Staff costs
€30,297▲
2024 · €27,368
Ratios withheld: a balance sheet total of €3,794 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,815 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 3,815 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 | - | €17,912 | €31,723 | €27,368 | €30,297 | ▲ 10.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €329 | - | €9 | €278 | €278 | = |
| Other operating charges640/8 | - | €118 | - | - | €197 | - |
| Gross operating margin9900 | €502 | €19,272 | €34,969 | €28,103 | €36,910 | ▲ 31.3% |
| Operating profit (loss)9901 | €173 | €1,242 | €3,237 | €457 | €6,138 | ▲ 1,244% |
| Financial charges65/66B | €156 | €188 | €165 | €170 | €150 | ▼ 11.9% |
| Recurring financial charges65 | €156 | €188 | €165 | €170 | €150 | ▼ 11.9% |
| Profit (loss) for the period before taxes9903 | €17 | €1,054 | €3,072 | €286 | €5,988 | ▲ 1,991% |
| Profit (loss) for the period9904 | €17 | €1,054 | €3,072 | €286 | €5,988 | ▲ 1,991% |
| Profit (loss) for the period to be appropriated9905 | €17 | €1,054 | €3,072 | €286 | €5,988 | ▲ 1,991% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,146 | €2,878 | €4,258 | €4,967 | €3,794 | ▼ 23.6% |
| Fixed assets21/28 | €1,316 | €1,316 | €2,696 | €2,418 | €2,140 | ▼ 11.5% |
| Tangible fixed assets22/27 | - | - | €1,380 | €1,102 | €824 | ▼ 25.2% |
| Plant, machinery and equipment23 | - | - | €1,380 | €1,102 | €824 | ▼ 25.2% |
| Financial fixed assets28 | €1,316 | €1,316 | €1,316 | €1,316 | €1,316 | = |
| Current assets29/58 | €1,830 | €1,562 | €1,562 | €2,548 | €1,653 | ▼ 35.1% |
| Amounts receivable within one year40/41 | €1,787 | €1,562 | €1,562 | €2,006 | €1,562 | ▼ 22.1% |
| Trade receivables40 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Other amounts receivable41 | €287 | €62 | €62 | €506 | €62 | ▼ 87.7% |
| Cash at bank and in hand54/58 | €42 | - | - | €542 | €91 | ▼ 83.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,146 | €2,878 | €4,258 | €4,967 | €3,794 | ▼ 23.6% |
| Equity10/15 | -€9,288 | -€8,234 | -€5,162 | -€4,876 | €1,112 | ▲ 123% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Profit (loss) carried forward14 | -€27,880 | -€26,826 | -€23,754 | -€23,468 | -€17,480 | ▲ 25.5% |
| Amounts payable17/49 | €12,434 | €11,112 | €9,420 | €9,842 | €2,681 | ▼ 72.8% |
| Amounts payable within one year42/48 | €12,434 | €11,112 | €9,420 | €9,842 | €2,681 | ▼ 72.8% |
| Financial debts43 | - | €635 | €620 | - | - | - |
| Credit institutions430/8 | - | €635 | €620 | - | - | - |
| Trade debts44 | €403 | - | €5 | €300 | €626 | ▲ 109% |
| Suppliers440/4 | €403 | - | €5 | €300 | €626 | ▲ 109% |
| Taxes, remuneration and social security45 | - | €5,038 | €8,795 | €9,542 | €2,055 | ▼ 78.5% |
| Taxes450/3 | - | €4,560 | €3,953 | €4,062 | €2,055 | ▼ 49.4% |
| Remuneration and social security454/9 | - | €478 | €4,842 | €5,480 | €0 | ▼ 100.0% |
| Other amounts payable47/48 | €12,031 | €5,440 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17 | €1,054 | €3,072 | €286 | €5,988 | ▲ 1,991% |
| + Depreciation and write-downs630 | €329 | - | €9 | €278 | €278 | = |
| Operating cash flow (approximation) | €346 | €1,054 | €3,081 | €564 | €6,266 | ▲ 1,011% |
| Investment in fixed assets (approximation) | - | €0 | -€1,389 | €0 | €0 | - |
| Change in cash | - | - | - | - | -€451 | - |
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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
31-12
Financial
Highest result since 2018net €5,988 ▲1,991%
Operating result €6,138, net result €5,988, both a record.
10-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 102 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 134 days late
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 143 days late
2021
31-12
Financial
Weakest financial yearnet €17 ▼97.8%
Net result drops to €17, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 135 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Brussel · 2 establishment units since 1996
Ground area
2,353 m²
Building footprint
848 m²
Volume, LiDAR
18,161 m³
2 parcels, Brussels, Flanders · tallest building 35.5 m, ±9 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Sint-Michielsstraat 27, 1000 Brussel
since 19962.075.762.881
Sint-Gillislaan (STG) 54, 9200 Dendermonde
since 20232.345.788.216
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B0352/00D000 | Brussels | 2,220 m² | 1 · 726 m² | 35.5 m · 9 fl. |
| 42021C0120/00R000 | Flanders | 133 m² | 1 · 122 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 45 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 (pre-2019)
Founded13-03-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
95290Repair and maintenance of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457442991
Registered
19-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.