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ActiveSummary
PRESS THE BUTTON has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €1.7m and a net result of €36,348. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 68% of 169 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability56=
Solvency76▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110,000 at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.47 in 2025; short-term debt: 13.8% and cash: 0.4% of total assets), and 49.2% of the assets are financed with debt.
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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
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 2026Solvency, return and age of the figures
Solvency
50.8%
Return on assets
1.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 30-06-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
62 d early
2025
25 d late
2024
20 d late
2023
54 d early
2022
59 d early
2021
24 d late
2020
76 d early
← 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 26 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 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 8 July (4 of the last 5 filed years within 75 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-01-2027 close31-08-2027 deadline
History
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Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€36,348▼ 34.0%
2025 · €55,076
Working capital
-€286,639▼ 5.7%
2025 · -€271,150
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
Line20222023202420252026
Operating result€191,122▲ 103%€110,125▼ 42.4%€162,241▲ 47.3%€148,762▼ 8.3%€110,602▼ 25.7%
Net result€60,848within the sector's middle half€2,052within the sector's middle half▼ 96.6%€32,687within the sector's middle half▲ 1,493%€55,076within the sector's middle half▲ 68.5%€36,348▼ 34.0%
Equity€1.6mabove the sector's middle half▲ 1.9%€1.6mabove the sector's middle half▲ 0.1%€1.6mabove the sector's middle half▲ 2.0%€1.7mabove the sector's middle half▲ 3.3%€1.7m▲ 2.1%
Total assets€3.5mabove the sector's middle half▼ 3.5%€3.9mabove the sector's middle half▲ 11.1%€3.9mabove the sector's middle half▲ 0.8%€3.6mwithin the sector's middle half▼ 7.6%€3.4m▼ 5.6%
Debt€1.9m▼ 7.7%€2.3m▲ 20.4%€2.3m▼ 0.1%€1.9m▼ 16.8%€1.6m▼ 14.3%
Working capital-€111,903below the sector's middle half▲ 5.8%-€360,278below the sector's middle half▼ 222%-€289,889below the sector's middle half▲ 19.5%-€271,150below the sector's middle half▲ 6.5%-€286,639▼ 5.7%
Solvency46.0%within the sector's middle half▲ 2.4pp41.4%within the sector's middle half▼ 4.5pp42.0%within the sector's middle half▲ 0.5pp46.9%within the sector's middle half▲ 5.0pp50.8%▲ 3.9pp
Current ratio0.74below the sector's middle half▲ 0.060.36below the sector's middle half▼ 0.380.57below the sector's middle half▲ 0.210.47below the sector's middle half▼ 0.100.39▼ 0.08
Return on assets (ROA)1.7%within the sector's middle half▲ 2.0pp0.1%within the sector's middle half▼ 1.7pp0.8%within the sector's middle half▲ 0.8pp1.5%within the sector's middle half▲ 0.7pp1.1%▼ 0.5pp
Staff (FTE)4.9within the sector's middle half▲ 8.9%5.3within the sector's middle half▲ 8.2%5.3within the sector's middle half=4.3within the sector's middle half▼ 18.9%4.1▼ 4.7%
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.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2026 is 26% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €3.4m
Fixed assets
€3.2m ▼ 4.5%
Current assets
€187,033 ▼ 22.4%
Equity and liabilities €3.4m
Equity
€1.7m ▲ 2.1%
Provisions
€60,000 ▲ 100%
Debt
€1.6m ▼ 14.3%
Debt's share of the balance-sheet total falls from 52.3% to 47.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€265,856▼
2025 · €303,873
Cash flow
€191,602▼
2025 · €210,186
Quick ratio
0.29▼
2025 · 0.37
Debt to equity
0.93▼
2025 · 1.11
ROE
2.1%▼
2025 · 3.2%
Interest coverage
4.35▲
2025 · 4.30
Debt ≤ 1 year
€473,672▼
2025 · €512,291
Debt > 1 year
€1.2m▼
2025 · €1.4m
Income taxes
€13,777▼
2025 · €23,328
Staff costs
€104,291▼
2025 · €126,351
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% 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 17,027 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 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,000 | €24,382 | - | - | - | - |
| Remuneration, social security and pensions62 | €142,246 | €163,386 | €160,206 | €126,351 | €104,291 | ▼ 17.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €151,673 | €159,890 | €158,481 | €155,111 | €155,254 | ▲ 0.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€2,042 | -€112 | €8,875 | €4,799 | -€9,953 | ▼ 307% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €30,000 | €30,000 | = |
| Other operating charges640/8 | €16,640 | €17,992 | €19,386 | €25,935 | €21,273 | ▼ 18.0% |
| Gross operating margin9900 | €499,640 | €451,281 | €509,189 | €490,959 | €411,467 | ▼ 16.2% |
| Operating profit (loss)9901 | €191,122 | €110,125 | €162,241 | €148,762 | €110,602 | ▼ 25.7% |
| Financial income75/76B | €230 | €1,134 | €310 | €290 | €708 | ▲ 144% |
| Recurring financial income75 | €230 | €1,134 | €310 | €290 | €708 | ▲ 144% |
| Financial charges65/66B | €107,115 | €106,723 | €120,045 | €70,649 | €61,185 | ▼ 13.4% |
| Recurring financial charges65 | €107,115 | €106,723 | €120,045 | €70,649 | €61,185 | ▼ 13.4% |
| Profit (loss) for the period before taxes9903 | €84,237 | €4,536 | €42,505 | €78,404 | €50,125 | ▼ 36.1% |
| Income taxes67/77 | €23,390 | €2,484 | €9,819 | €23,328 | €13,777 | ▼ 40.9% |
| Profit (loss) for the period9904 | €60,848 | €2,052 | €32,687 | €55,076 | €36,348 | ▼ 34.0% |
| Profit (loss) for the period to be appropriated9905 | €60,848 | €2,052 | €32,687 | €55,076 | €36,348 | ▼ 34.0% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.5m | €3.9m | €3.9m | €3.6m | €3.4m | ▼ 5.6% |
| Fixed assets21/28 | €3.2m | €3.7m | €3.5m | €3.4m | €3.2m | ▼ 4.5% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €3.2m | €3.7m | €3.5m | €3.4m | €3.2m | ▼ 4.5% |
| Land and buildings22 | €3.2m | €3.7m | €3.5m | €3.4m | €3.2m | ▼ 4.4% |
| Furniture and vehicles24 | €1,071 | €1,827 | €5,450 | €4,870 | €2,425 | ▼ 50.2% |
| Leasing and similar rights25 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €60 | €60 | €60 | €60 | €60 | = |
| Current assets29/58 | €316,849 | €202,505 | €385,847 | €241,141 | €187,033 | ▼ 22.4% |
| Stocks and contracts in progress3 | €55,533 | €53,042 | €45,624 | €54,140 | €50,882 | ▼ 6.0% |
| Stocks30/36 | €55,533 | €53,042 | €45,624 | €54,140 | €50,882 | ▼ 6.0% |
| Amounts receivable within one year40/41 | €50,852 | €107,926 | €86,939 | €128,928 | €117,054 | ▼ 9.2% |
| Trade receivables40 | €46,700 | €16,694 | €22,604 | €17,009 | €10,857 | ▼ 36.2% |
| Other amounts receivable41 | €4,152 | €91,231 | €64,336 | €111,919 | €106,197 | ▼ 5.1% |
| Cash at bank and in hand54/58 | €202,022 | €32,890 | €246,859 | €50,784 | €12,019 | ▼ 76.3% |
| Deferred charges and accrued income490/1 | €8,442 | €8,647 | €6,424 | €7,289 | €7,078 | ▼ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.5m | €3.9m | €3.9m | €3.6m | €3.4m | ▼ 5.6% |
| Equity10/15 | €1.6m | €1.6m | €1.6m | €1.7m | €1.7m | ▲ 2.1% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Outside capital11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Other1109/19 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Revaluation surpluses12 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €410,224 | €412,277 | €444,963 | €500,039 | €536,387 | ▲ 7.3% |
| Provisions and deferred taxes16 | - | - | - | €30,000 | €60,000 | ▲ 100% |
| Provisions for liabilities and charges160/5 | - | - | - | €30,000 | €60,000 | ▲ 100% |
| Major repairs and maintenance162 | - | - | - | €30,000 | €60,000 | ▲ 100% |
| Amounts payable17/49 | €1.9m | €2.3m | €2.3m | €1.9m | €1.6m | ▼ 14.3% |
| Amounts payable after more than one year17 | €1.5m | €1.7m | €1.6m | €1.4m | €1.2m | ▼ 16.6% |
| Financial debts170/4 | €1.5m | €1.7m | €1.6m | €1.4m | €1.2m | ▼ 16.6% |
| Amounts payable within one year42/48 | €428,751 | €562,782 | €675,735 | €512,291 | €473,672 | ▼ 7.5% |
| Current portion of amounts payable after more than one year42 | €190,035 | €210,473 | €236,531 | €221,750 | €229,871 | ▲ 3.7% |
| Financial debts43 | €0 | €61,015 | €35,973 | €10,975 | €10,977 | = |
| Credit institutions430/8 | €0 | €50,000 | €25,000 | €0 | €0 | - |
| Other loans439 | - | €11,015 | €10,973 | €10,975 | €10,977 | = |
| Trade debts44 | €86,096 | €140,890 | €166,383 | €191,244 | €141,635 | ▼ 25.9% |
| Suppliers440/4 | €86,096 | €140,890 | €166,383 | €191,244 | €141,635 | ▼ 25.9% |
| Taxes, remuneration and social security45 | €53,671 | €48,224 | €29,428 | €40,407 | €38,141 | ▼ 5.6% |
| Taxes450/3 | €40,487 | €40,523 | €16,928 | €29,905 | €37,426 | ▲ 25.1% |
| Remuneration and social security454/9 | €13,184 | €7,701 | €12,500 | €10,501 | €715 | ▼ 93.2% |
| Other amounts payable47/48 | €98,949 | €102,180 | €207,421 | €47,915 | €53,048 | ▲ 10.7% |
| Accrued charges and deferred income492/3 | €690 | €1,340 | €1,340 | €3,720 | €750 | ▼ 79.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €60,848 | €2,052 | €32,687 | €55,076 | €36,348 | ▼ 34.0% |
| + Depreciation and write-downs630 | €151,673 | €159,890 | €158,481 | €155,111 | €155,254 | ▲ 0.1% |
| Operating cash flow (approximation) | €212,521 | €161,942 | €191,168 | €210,186 | €191,602 | ▼ 8.8% |
| Investment in fixed assets (approximation) | - | -€663,255 | -€5,540 | -€2,078 | -€4,250 | ▼ 104% |
| Change in cash | - | -€169,132 | €213,969 | -€196,075 | -€38,765 | ▲ 80.2% |
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 2027, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 20 days late
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-01
Financial
Back to profitnet €60,848
Net result €60,848 after one loss-making year.
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
31-01
Financial
Weakest financial yearnet -€11,187
Net result drops to -€11,187, the lowest in the series; recovery starts the following year.
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Etterbeek · 3 establishment units since 1968
Ground area
460 m²
Building footprint
441 m²
Volume, LiDAR
5,635 m³
3 parcels, Brussels · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
3 establishment units
Alsembergsesteenweg 750, 1180 Ukkel
since 19682.002.048.227
OKAIDI Tongres
since 20112.201.492.105
-
since 20152.244.237.827
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0233/00T004 | Brussels | 186 m² | 1 · 163 m² | 12.9 m · 2 fl. |
| 21005A0569/00K003 | Brussels | 157 m² | 1 · 161 m² | 19.0 m · 6 fl. |
| 21016B0003/00V002 | Brussels | 116 m² | 1 · 117 m² | 18.5 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
549300MIKT2XGLWYOX42
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 218 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
Founded23-07-1968
Fiscal year end31-01
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Contact
E-mail
witvrouwenc@gmail.comEtterbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0406377144
Also
9925:BE0406377144
Registered
13-11-2025
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.