TENDANCE
ActiveTENDANCE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €2k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-23
Solvency43▲+1
Growth59▼-1
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 6.93 against 1.12 in 2024; short-term debt: 13.7% and cash: 2% of total assets), but 81.5% 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
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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.5%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
26 d late
2023
9 d early
2022
18 d late
2021
26 d late
2020
25 d late
2019
5 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€535k▼ 6.0%
2024 · €569k
2020: €637k
2021: €746k
2022: €924k
2023: €843k
2024: €569k
2020 → 2025
EBIT margin
0.4%▼ 1.3pp
2024 · 1.7%
2020: 1.2%
2021: 1.5%
2022: 2.2%
2023: 5.5%
2024: 1.7%
2020 → 2025
Net result
€2k▲ 6.9%
2024 · €2k
2018: €-17k
2019: €1k
2020: €8k
2021: €14k
2022: €813
2023: €27k
2024: €2k
2018 → 2025
Working capital
€395k▲ 629%
2024 · €54k
2018: €26k
2019: €21k
2020: €39k
2021: €47k
2022: €51k
2023: €104k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€746k-€924k▲ 23.9%€843k▼ 8.8%€569k▼ 32.5%€535k▼ 6.0%
Equity€58k-€59k▲ 1.4%€86k▲ 45.7%€88k▲ 2.2%€90k▲ 2.3%
Operating result€11k-€20k▲ 79.0%€46k▲ 130%€10k▼ 79.1%€2k▼ 77.5%
Net result€14k-€813▼ 94.3%€27k▲ 3,219%€2k▼ 93.0%€2k▲ 6.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €487k
Fixed assets
€25k▼ 26.2%
Current assets
€462k▼ 6.4%
Equity and liabilities €487k
Equity
€90k▲ 2.3%
Debt
€397k▼ 9.7%
The debt ratio falls from 83.3% to 81.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €15k
Cash flow
€11k▲
2024 · €7k
Solvency
18.5%▲
2024 · 16.7%
Current ratio
6.93▲
2024 · 1.12
Quick ratio
0.89▲
2024 · 0.21
Debt / equity
4.41▼
2024 · 5.00
ROE
2.3%▲
2024 · 2.2%
ROA
0.4%▲
2024 · 0.4%
Interest coverage
-1228.98▼
2024 · 6.27
Debt
€397k▼
2024 · €439k
Debt ≤ 1 year
€67k▼
2024 · €439k
Debt > 1 year
€330k
Income taxes
€149▼
2024 · €5k
Staff costs
€28k▼
2024 · €50k
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€527k€487k▼
Fixed assets21/28€34k€25k▼
Tangible fixed assets22/27€34k€25k▼
Furniture and vehicles24€16k€9k▼
Other tangible fixed assets26€18k€16k▼
Current assets29/58€493k€462k▼
Stocks and contracts in progress3€400k€402k▲
Stocks30/36€400k€402k▲
Amounts receivable within one year40/41€12k€6k▼
Trade receivables40€12k€6k▼
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€24k€10k▼
Deferred charges and accrued income490/1€57k€44k▼
Equity and liabilities
Total equity and liabilities10/49€527k€487k▼
Equity10/15€88k€90k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€67k€69k▲
Amounts payable17/49€439k€397k▼
Amounts payable after more than one year17-€330k
Financial debts170/4-€330k
Amounts payable within one year42/48€439k€67k▼
Trade debts44€82k€33k▼
Suppliers440/4€82k€33k▼
Taxes, remuneration and social security45€33k€32k▼
Taxes450/3€27k€29k▲
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€325k€1k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Turnover70€569k€535k▼
Goods, raw materials, services and sundry goods60/61€487k€475k▼
Remuneration, social security and pensions62€50k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€17k€21k▲
Gross operating margin9900€82k€60k▼
Operating profit (loss)9901€10k€2k▼
Financial charges65/66B€2k€-9▼
Recurring financial charges65€2k€-9▼
Profit (loss) for the period before taxes9903€7k€2k▼
Income taxes67/77€5k€149▼
Profit (loss) for the period9904€2k€2k▲
Profit (loss) for the period to be appropriated9905€2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€69k▲
Profit (loss) brought forward from the previous period14P€66k€67k▲
The notes to these accounts (6 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Liquidity times 6current ratio 6.93
Current ratio from 1.12 to 6.93; short-term debt falls from €439k to €67k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €27k ▲3219%
Operating result €46k, net result €27k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 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
13 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, Brussel · 1 establishment unit since 2012
Ground area
860 m²
Building footprint
675 m²
Volume, LiDAR
13,449 m³
2 parcels, Brussels · tallest building 27.7 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
TENDANCE
since 20122.219.477.784
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1778/00D000 | Brussels | 670 m² | 1 · 488 m² | 27.7 m · 8 fl. |
| 21802B1231/00A000 | Brussels | 189 m² | 1 · 187 m² | 17.2 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 6,501 companies in sector 47716 we hold annual accounts for 2,440. 1,913 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-09-2011
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47715Retail trade
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.