TAPIA
ActiveTAPIA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €-11k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-69
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 20.84 against 48.3 in 2024; short-term debt: 4.7% and cash: 46.4% of total assets), and 4.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
41 d late
2023
26 d late
2022
21 d late
2021
10 d late
2020
27 d late
2019
20 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▼ 10.4%
2024 · €102k
2018: €62k
2019: €77k
2020: €89k
2021: €98k
2022: €96k
2023: €98k
2024: €102k
2018 → 2025
Total assets
€96k▼ 7.8%
2024 · €104k
2018: €76k
2019: €89k
2020: €94k
2021: €106k
2022: €99k
2023: €102k
2024: €104k
2018 → 2025
Net result
€-11k
2024 · €4k
2018: €-793
2019: €15k
2020: €12k
2021: €9k
2022: €-2k
2023: €2k
2024: €4k
2018 → 2025
Working capital
€90k▼ 7.9%
2024 · €98k
2018: €60k
2019: €76k
2020: €88k
2021: €85k
2022: €86k
2023: €91k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€96k▼ 1.7%€98k▲ 2.2%€102k▲ 4.2%€92k▼ 10.4%
Operating result€4k-€-1k€1k€6k▲ 377%€-10k
Net result€9k-€-2k€2k€4k▲ 93.5%€-11k
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 €10k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€2k▼ 64.3%
Current assets
€95k▼ 5.3%
Equity and liabilities €96k
Equity
€92k▼ 10.4%
Debt
€5k▲ 119%
The debt ratio rises from 2.0% to 4.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▼
2024 · €9k
Cash flow
€-8k▼
2024 · €7k
Solvency
95.3%▼
2024 · 98.0%
Current ratio
20.84▼
2024 · 48.30
Quick ratio
20.84▼
2024 · 48.30
Debt / equity
0.05▲
2024 · 0.02
ROE
-11.6%▼
2024 · 4.0%
ROA
-11.0%▼
2024 · 4.0%
Interest coverage
-37.54▼
2024 · 30.26
Debt
€5k▲
2024 · €2k
Debt ≤ 1 year
€5k▲
2024 · €2k
Income taxes
€166▼
2024 · €2k
Staff costs
€63k▲
2024 · €62k
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€104k€96k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€1k▼
Furniture and vehicles24€4k€1k▼
Financial fixed assets28€561€561=
Current assets29/58€100k€95k▼
Amounts receivable within one year40/41€45k€49k▲
Trade receivables40€8k€9k▲
Other amounts receivable41€37k€40k▲
Cash at bank and in hand54/58€53k€45k▼
Deferred charges and accrued income490/1€2k€996▼
Equity and liabilities
Total equity and liabilities10/49€104k€96k▼
Equity10/15€102k€92k▼
Contributions10/11€19k€19k=
Reserves13€46k€46k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€38k€28k▼
Amounts payable17/49€2k€5k▲
Amounts payable within one year42/48€2k€5k▲
Trade debts44€217€3k▲
Suppliers440/4€217€3k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€62k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€58-
Non-recurring operating charges66A-€1k
Gross operating margin9900€71k€57k▼
Operating profit (loss)9901€6k€-10k▼
Financial income75/76B€12€164▲
Recurring financial income75€12€164▲
Financial charges65/66B€292€202▼
Recurring financial charges65€292€202▼
Profit (loss) for the period before taxes9903€6k€-10k▼
Income taxes67/77€2k€166▼
Profit (loss) for the period9904€4k€-11k▼
Profit (loss) for the period to be appropriated9905€4k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€28k▼
Profit (loss) brought forward from the previous period14P€34k€38k▲
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
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €-11k ▼356%
Net result drops to €-11k, the lowest in the series.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Equity above €100kEq €102k ▲4.2%
2 profitable years in a row build equity to €102k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 27.71
Current ratio from 11.52 to 27.71; short-term debt falls from €8k to €3k.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 18.60
Current ratio from 7.21 to 18.60; short-term debt falls from €12k to €5k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Enghien · 2 establishment units since 2000
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.
Aatsesteenweg 757850 EnghienGround area
3,117 m²
Building footprint
521 m²
Volume, LiDAR
3,941 m³
2 parcels, Brussels, Wallonia · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
TAPIA SPRL
since 20002.093.756.777
PRONTI
since 20152.244.381.446
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55025B0170/00S000 | Wallonia | 1,654 m² | 1 · 153 m² | 8.2 m · 2 fl. |
| 21616A0181/00C003 | Brussels | 1,462 m² | 1 · 368 m² | 15.3 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
Ricco
BE 0548.934.282
Geel · Eq €92k
I-B FASHION
BE 0889.556.910
Menen · Eq €91k
SCHOENEN ANN
BE 0757.796.563
Tongeren-Borgloon · Eq €90k
TENDANCE
BE 0839.486.993
Brussel · Eq €90k
SALOUM & CO
BE 0675.663.101
Grimbergen · Eq €90k
Of 1,035 companies in sector 47721 we hold annual accounts for 583. 459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-02-2000
Fiscal year end31-12
Activities, NACEBEL
47721Retail sale of footwear
47711Retail sale of women's outerwear
47712Retail trade
47713Retail trade
47722Retail trade
52422
52423
52424
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.