Refuge Saint Feuillien
ActiveSummary
Refuge Saint Feuillien has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €-29k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-52
Solvency89▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.07 in 2024; short-term debt: 13.7% and cash: 0.8% of total assets), and 36.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.8%
Return on assets
-5.8%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-29k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-09-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
75 d late
2023
54 d early
2022
11 d early
2021
3 d late
2020
32 d early
2019
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€317k▼ 8.4%
2024 · €346k
2019: €323k
2020: €393k
2021: €405k
2022: €390k
2023: €371k
2024: €346k
2019 → 2025
Total assets
€496k▼ 6.4%
2024 · €530k
2019: €1.04M
2020: €648k
2021: €625k
2022: €601k
2023: €566k
2024: €530k
2019 → 2025
Net result
€-29k▼ 13.5%
2024 · €-26k
2019: €-21k
2020: €70k
2021: €704
2022: €1k
2023: €-19k
2024: €-26k
2019 → 2025
Working capital
€-64k▼ 6.4%
2024 · €-60k
2019: €-117k
2020: €-67k
2021: €-73k
2022: €-66k
2023: €-57k
2024: €-60k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€405k-€390k▼ 3.7%€371k▼ 4.9%€346k▼ 6.9%€317k▼ 8.4%
Operating result€-24k-€-23k▲ 2.3%€-27k▼ 17.4%€-34k▼ 23.2%€-37k▼ 10.2%
Net result€704-€1k▲ 79.1%€-19k€-26k▼ 33.1%€-29k▼ 13.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €37k in 2025 against €34k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€493k ▼ 6.3%
Current assets
€4k ▼ 11.5%
Equity and liabilities €496k
Equity
€317k ▼ 8.4%
Provisions
€112k ▼ 6.8%
Debt
€68k ▲ 5.2%
Debt's share of the balance-sheet total rises from 12.1% to 13.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-64▼
2024 · €3k
Cash flow
€8k▼
2024 · €11k
Current ratio
0.06▼
2024 · 0.07
Debt to equity
0.21▲
2024 · 0.19
ROE
-9.2%▼
2024 · -7.4%
ROA
-5.8%▼
2024 · -4.8%
Interest coverage
-0.60▼
2024 · 32.53
Debt ≤ 1 year
€68k▲
2024 · €64k
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 · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€530k€496k▼
Fixed assets21/28€526k€493k▼
Tangible fixed assets22/27€526k€493k▼
Land and buildings22€523k€489k▼
Furniture and vehicles24€3k€3k=
Current assets29/58€4k€4k▼
Cash at bank and in hand54/58€3k€4k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€530k€496k▼
Equity10/15€346k€317k▼
Contributions10/11€6k€6k=
Reserves13€381k€357k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€379k€355k▼
Distributable reserves133-€2k
Profit (loss) carried forward14€-42k€-46k▼
Provisions and deferred taxes16€120k€112k▼
Deferred taxes168€120k€112k▼
Amounts payable17/49€64k€68k▲
Amounts payable within one year42/48€64k€68k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Other amounts payable47/48€63k€66k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€8k€5k▼
Operating profit (loss)9901€-34k€-37k▼
Financial charges65/66B€99€106▲
Recurring financial charges65€99€106▲
Profit (loss) for the period before taxes9903€-34k€-37k▼
Transfer from deferred taxes780€8k€8k=
Profit (loss) for the period9904€-26k€-29k▼
Transfer from tax-exempt reserves789€25k€25k=
Profit (loss) for the period to be appropriated9905€-916€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-46k▼
Profit (loss) brought forward from the previous period14P€-41k€-42k▼
The notes to these accounts (5 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
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series.
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mons
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.
Rue Jean Lescarts 157000 MonsGround area
1,818 m²
Building footprint
298 m²
Parcel 53053H0852/00M000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053H0852/00M000 ProtectedMonument · Site or landscape |
Wallonia | 1,818 m² | 1 · 298 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 1,362 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
Founded17-07-2002
Fiscal year end31-03
Activities, NACEBEL 2025
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.