REGAIN
ActiveREGAIN has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €-29k. Equity is shrinking by ~14.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 4119 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
2
/ 100
Critical▼ -49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency10▼-5
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.96 in 2024), and 99.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
0.5%
Return on assets
-8.1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 4119 sector peers (2025).
NBB · sector comparisonPosition among 4119 sector peers
Solvency
better than 12%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
30 d late
2022
3 d early
2021
23 d late
2020
20 d late
2019
91 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-29k
2024 · €7k
2018: €6k
2019: €3k
2020: €24k
2021: €41k
2022: €170
2023: €-118k
2024: €7k
2018 → 2025
Working capital
€-27k▼ 99.8%
2024 · €-14k
2018: €-41k
2019: €-29k
2020: €-6k
2021: €50k
2022: €40k
2023: €-36k
2024: €-14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€179k-€179k=€24k▼ 86.4%€31k▲ 28.1%€2k▼ 94.3%
Operating result€54k-€2k▼ 96.5%€-118k€9k€-28k
Net result€41k-€170▼ 99.6%€-118k€7k€-29k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€29k▼ 35.1%
Current assets
€335k▼ 10.9%
Equity and liabilities €364k
Equity
€2k▼ 94.3%
Debt
€362k▼ 7.0%
The debt ratio rises from 92.6% to 99.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-10k▼
2024 · €27k
Cash flow
€-12k▼
2024 · €25k
Solvency
0.5%▼
2024 · 7.4%
Current ratio
0.92▼
2024 · 0.96
Quick ratio
0.18▼
2024 · 0.30
ROA
-8.1%▼
2024 · 1.6%
Interest coverage
-4.74▼
2024 · 10.35
Debt
€362k▼
2024 · €389k
Debt ≤ 1 year
€362k▼
2024 · €389k
Staff costs
€129k▲
2024 · €116k
A ratio outside any meaningful range has been withheld (balance sheet total €364k, equity €2k).
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€420k€364k▼
Fixed assets21/28€45k€29k▼
Intangible fixed assets21€2k€942▼
Tangible fixed assets22/27€43k€28k▼
Furniture and vehicles24€28k€18k▼
Other tangible fixed assets26€15k€10k▼
Current assets29/58€376k€335k▼
Stocks and contracts in progress3€260k€271k▲
Stocks30/36€260k€271k▲
Amounts receivable within one year40/41€59k€24k▼
Trade receivables40€58k€24k▼
Other amounts receivable41€1k€224▼
Cash at bank and in hand54/58€51k€12k▼
Deferred charges and accrued income490/1€6k€29k▲
Equity and liabilities
Total equity and liabilities10/49€420k€364k▼
Equity10/15€31k€2k▼
Contributions10/11€102k€102k=
Capital10€102k€102k=
Issued capital100€102k€102k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€816€816=
Profit (loss) carried forward14€-86k€-115k▼
Amounts payable17/49€389k€362k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€389k€362k▼
Current portion of amounts payable after more than one year42€2k€0▼
Trade debts44€88k€52k▼
Suppliers440/4€88k€52k▼
Advances received on contracts in progress46€4k€0▼
Taxes, remuneration and social security45€34k€39k▲
Taxes450/3€19k€23k▲
Remuneration and social security454/9€15k€16k▲
Other amounts payable47/48€260k€271k▲
Income statement
Code20242025
Remuneration, social security and pensions62€116k€129k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€898€-898▼
Other operating charges640/8€927€1k▲
Gross operating margin9900€145k€120k▼
Operating profit (loss)9901€9k€-28k▼
Financial income75/76B€432€443▲
Recurring financial income75€432€443▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€7k€-29k▼
Transfer from deferred taxes780€0-
Profit (loss) for the period9904€7k€-29k▼
Profit (loss) for the period to be appropriated9905€7k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-86k€-115k▼
Profit (loss) brought forward from the previous period14P€-93k€-86k▲
Social balance
Average headcount (FTE)90873.72.2▼
The notes to these accounts (8 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-118k ▼69318%
Net result drops to €-118k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Highest result since 2018net €41k ▲72.7%
Operating result €54k, net result €41k, both a record.
31-12
Financial
Equity above €150kEq €179k ▲22.1%
4 profitable years in a row build equity to €179k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Jalhay · 2 establishment units since 1987
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.
Balmoral(SART) 30A4845 JalhayGround area
2,991 m²
Building footprint
458 m²
Volume, LiDAR
3,850 m³
3 parcels, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
REGAIN
since 19872.029.402.326
REGAIN
since 19912.029.402.425
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0821/00B003 | Wallonia | 1,857 m² | 1 · 320 m² | 10.3 m · 3 fl. |
| 63068C0821/00C002 | Wallonia | 683 m² | 1 · 65 m² | 7.0 m · 2 fl. |
| 63072G0112/00E000 | Wallonia | 451 m² | 1 · 73 m² | 14.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
MAD HATTER
BE 0597.907.406
Antwerpen · Eq €2k
MOBYSIT ANTWERPEN
BE 0819.866.170
Antwerpen · Eq €2k
L'Agence
BE 1007.202.864
Chaudfontaine · Eq €2k
Devillers Debrauwere Interieur
BE 0603.990.393
Boechout · Eq €2k
SARAH MEUBLES
BE 0694.616.208
Liège · Eq €2k
Of 2,589 companies in sector 47551 we hold annual accounts for 1,702. 240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-06-1987
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47559Retail sale of other household articles
47591Retail trade
47599Retail trade
52441
47552Retail sale of lighting equipment
47592Retail trade
47640Retail sale of games and toys
47650Retail trade
47792Retail sale of second-hand clothing
52442
52489
52502
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.