SO ROMANTIC

Active

Private limited companyfounded 20242 yrs activeAvenue d'Audenarde(K) 250, 7540 Tournai, BelgiumKBO/BCE: BE 1011.575.782

The computed 12-month bankruptcy probability of SO ROMANTIC is 5.1% (elevated). The 2025 annual accounts show negative equity (€-14k) and a net result of €-17k. Its solvency ranks better than 14% of 18024 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

7 / 100

Critical▼ -36 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency33▲+29

Growth32

Stability82

Bankruptcy probability, 12 months

5.1% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.36 against 0.45 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

-35.9%

Return on assets

-44.6%

Age of the figures

8 mo

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 →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

2425

2024 to 2025 · latest year -€14k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filings

Deviation from the deadline

2025

31 d late

2024

61 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€-14k

2024 · €3k

2024: €3k

2024 → 2025

Total assets

€39k▼ 36.6%

2024 · €62k

2024: €62k

2024 → 2025

Net result

€-17k

2024 · €926

2024: €926

2024 → 2025

Working capital

€-20k▲ 38.1%

2024 · €-32k

2024: €-32k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€3k-€-14k

Operating result€1k-€-13k

Net result€926-€-17k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €13k after €1k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €38k

70.4%

29.6%

Fixed assets €27k▼ 20.9%

Current assets €11k▼ 57.6%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-7k▼

2024 · €4k

Cash flow

€-11k▼

2024 · €3k

Solvency

-35.9%▼

2024 · 5.5%

Current ratio

0.36▼

2024 · 0.45

Quick ratio

0.32▼

2024 · 0.35

Debt / equity

-3.79▼

2024 · 17.06

ROE

124.3%▲

2024 · 27.0%

ROA

-44.6%▼

2024 · 1.5%

Interest coverage

-2.06▼

2024 · 16.10

Debt

€53k▼

2024 · €58k

Debt ≤ 1 year

€31k▼

2024 · €58k

Debt > 1 year

€22k

Income taxes

€136▼

2024 · €386

Staff costs

€18k

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€62k€39k▼

Formation expenses20€2k€1k▼

Fixed assets21/28€34k€27k▼

Intangible fixed assets21€19k€17k▼

Tangible fixed assets22/27€14k€9k▼

Land and buildings22€4k€871▼

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€5k€4k▼

Other tangible fixed assets26€2k€2k▼

Financial fixed assets28-€363

Current assets29/58€26k€11k▼

Stocks and contracts in progress3€6k€1k▼

Stocks30/36€6k€1k▼

Amounts receivable within one year40/41€5k€2k▼

Trade receivables40€906-

Other amounts receivable41€4k€2k▼

Cash at bank and in hand54/58€16k€7k▼

Deferred charges and accrued income490/1€312€676▲

Equity and liabilities

Total equity and liabilities10/49€62k€39k▼

Equity10/15€3k€-14k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€926€-17k▼

Amounts payable17/49€58k€53k▼

Amounts payable after more than one year17-€22k

Financial debts170/4-€22k

Amounts payable within one year42/48€58k€31k▼

Current portion of amounts payable after more than one year42-€7k

Trade debts44€6k€7k▲

Suppliers440/4€6k€7k▲

Taxes, remuneration and social security45€12k€13k▲

Taxes450/3€12k€11k▼

Remuneration and social security454/9-€2k

Other amounts payable47/48€40k€4k▼

Income statement Code20242025

Remuneration, social security and pensions62-€18k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲

Other operating charges640/8€1k€6k▲

Gross operating margin9900€5k€17k▲

Operating profit (loss)9901€1k€-13k▼

Financial income75/76B€150€150=

Recurring financial income75€150€150=

Financial charges65/66B€225€4k▲

Recurring financial charges65€225€3k▲

Non-recurring financial charges66B-€979

Profit (loss) for the period before taxes9903€1k€-17k▼

Income taxes67/77€386€136▼

Profit (loss) for the period9904€926€-17k▼

Profit (loss) for the period to be appropriated9905€926€-17k▼

Appropriation of the result

Profit (loss) to be appropriated9906€926€-17k▼

Profit (loss) brought forward from the previous period14P-€926

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Tournai · 2 establishment units since 2024

establishment All 2 establishment units on the map

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.

Avenue d'Audenarde(K) 2507540 Tournai

Ground area

220 m²

Building footprint

48 m²

Volume, LiDAR

493 m³

2 parcels, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

SO ROMANTIC

Avenue d'Audenarde(K) 250, 7540 TournaiWholesale trade

since 20242.361.613.468

SO ROMANTIC

Rue de France 32, 7800 AthRetail sale of women's outerwear

since 20242.370.234.392

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57042B0569/00F007	Wallonia	140 m²	-	-
51004B0807/00E014	Wallonia	80 m²	1 · 48 m²	12.1 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 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

Tessenderlo-Ham · Eq €4k

Of 2,200 companies in sector 47711 we hold annual accounts for 889. 296 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-07-2024

Fiscal year end31-12

Activities, NACEBEL

47711Retail sale of women's outerwear

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

47120Other non-specialised retail sale

47519Retail trade

47715Retail trade

47721Retail sale of footwear

47722Retail trade

47910Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:francoisrisselin9@gmail.com

Enterprise

Phone:+32487100687

Establishment Ath 2.370.234.392