TEXTILES GOLD
ActiveSummary
The computed 12-month bankruptcy probability of TEXTILES GOLD is 2.7% (moderate). The 2025 annual accounts show equity of €29,467 and a net result of €5,664. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 42% of 18973 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Retail sale of clothing and accessories for women, men, children and babies (general range)
NACE 47716Wholesale of clothing, excluding workwear and underwear NACE 46423
1 site
How big
€122,408total assets 2025
- Equity
- €29,467
- Profit
- €5,664
Turnover not published (abridged schema)
Who decides
Accounts on time0 of 2 deeds read
Why 49- Limited track record- Higher-failure-rate region- Higher-failure-rate sector+ Annual accounts: healthy financial profile+ Growing equityLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+35
Solvency49▲+4
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.02 in 2024; short-term debt: 75.9% and cash: 9.6% of total assets), and 75.9% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
24.1%
Return on assets
4.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €29,467
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 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
76 d late
2023
63 d late
2022
64 d late
2021
39 d late
2020
81 d late
2019
104 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 61 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 3 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Back to profitnet €3,674
Financials
Fiscal year 2025Total assets €122,408Profit €5,664Solvency 24.1%Liquidity 1.14
Turnover
€192,658
2024
Net result
€5,664▲ 54.2%
2019 - 2025
Equity
€29,467▲ 23.8%
2019 - 2025
Staff (FTE)
1.7▲ 30.8%
2019 - 2023
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€192,658
Operating result€21,648-€23,388-€7,873▲ 66.3%€3,652€5,770▲ 58.0%
Net result€19,619within the sector's middle half-€23,493below the sector's middle half-€8,112below the sector's middle half▲ 65.5%€3,674within the sector's middle half€5,664within the sector's middle half▲ 54.2%
EBIT margin1.9%
Equity€51,734within the sector's middle half▲ 162%€28,241within the sector's middle half▼ 45.4%€20,129within the sector's middle half▼ 28.7%€23,803within the sector's middle half▲ 18.3%€29,467within the sector's middle half▲ 23.8%
Total assets€130,203within the sector's middle half▲ 107%€82,339within the sector's middle half▼ 36.8%€100,390within the sector's middle half▲ 21.9%€118,392within the sector's middle half▲ 17.9%€122,408within the sector's middle half▲ 3.4%
Debt€78,469▲ 81.6%€54,099▼ 31.1%€80,261▲ 48.4%€94,589▲ 17.9%€92,941▼ 1.7%
Working capital€43,670within the sector's middle half▲ 210%€28,181within the sector's middle half▼ 35.5%€20,069within the sector's middle half▼ 28.8%€1,643within the sector's middle half▼ 91.8%€12,567within the sector's middle half▲ 665%
Solvency39.7%within the sector's middle half▲ 8.4pp34.3%within the sector's middle half▼ 5.4pp20.1%within the sector's middle half▼ 14.2pp20.1%within the sector's middle half▲ 0.1pp24.1%within the sector's middle half▲ 4.0pp
Current ratio1.56within the sector's middle half▲ 0.231.52within the sector's middle half▼ 0.041.25within the sector's middle half▼ 0.271.02within the sector's middle half▼ 0.231.14within the sector's middle half▲ 0.12
Return on assets (ROA)15.1%above the sector's middle half▲ 26.7pp-28.5%below the sector's middle half▼ 43.6pp-8.1%below the sector's middle half▲ 20.5pp3.1%within the sector's middle half▲ 11.2pp4.6%within the sector's middle half▲ 1.5pp
Staff (FTE)2▲ 150%1.3▼ 35.0%1.7▲ 30.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 58% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122,408
Fixed assets
€16,900 ▼ 23.7%
Current assets
€105,508 ▲ 9.6%
Equity and liabilities €122,408
Equity
€29,467 ▲ 23.8%
Debt
€92,941 ▼ 1.7%
Debt's share of the balance-sheet total falls from 79.9% to 75.9%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€10,970▲
2024 · €7,552
Cash flow
€10,864▲
2024 · €7,574
Quick ratio
0.40▲
2024 · 0.30
Debt to equity
3.15▼
2024 · 3.97
ROE
19.2%▲
2024 · 15.4%
Interest coverage
103.92▲
2024 · -346.11
Debt ≤ 1 year
€92,941▼
2024 · €94,589
Staff costs
€7,952▲
2024 · €5,237
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,275 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.5%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €192,658 | - | - |
| Non-recurring operating income76A | - | - | €3,166 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €177,670 | - | - |
| Remuneration, social security and pensions62 | €9,058 | €20,489 | €15,933 | €5,237 | €7,952 | ▲ 51.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,199 | €434 | - | €3,900 | €5,200 | ▲ 33.3% |
| Other operating charges640/8 | €1,248 | €2,089 | €2,256 | €2,199 | €3,211 | ▲ 46.0% |
| Gross operating margin9900 | €37,153 | -€376 | €10,316 | €14,988 | €22,133 | ▲ 47.7% |
| Operating profit (loss)9901 | €21,648 | -€23,388 | -€7,873 | €3,652 | €5,770 | ▲ 58.0% |
| Financial income75/76B | €54 | €9 | €0 | - | - | - |
| Recurring financial income75 | €54 | €9 | €0 | - | - | - |
| Financial charges65/66B | €74 | €114 | €238 | -€22 | €106 | ▲ 584% |
| Recurring financial charges65 | €74 | €114 | €238 | -€22 | €106 | ▲ 584% |
| Profit (loss) for the period before taxes9903 | €21,628 | -€23,493 | -€8,112 | €3,674 | €5,664 | ▲ 54.2% |
| Income taxes67/77 | €2,009 | - | - | - | - | - |
| Profit (loss) for the period9904 | €19,619 | -€23,493 | -€8,112 | €3,674 | €5,664 | ▲ 54.2% |
| Profit (loss) for the period to be appropriated9905 | €19,619 | -€23,493 | -€8,112 | €3,674 | €5,664 | ▲ 54.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €130,203 | €82,339 | €100,390 | €118,392 | €122,408 | ▲ 3.4% |
| Fixed assets21/28 | €8,064 | €60 | €60 | €22,160 | €16,900 | ▼ 23.7% |
| Tangible fixed assets22/27 | €434 | - | - | €22,100 | €16,900 | ▼ 23.5% |
| Plant, machinery and equipment23 | - | - | - | €22,100 | €16,900 | ▼ 23.5% |
| Furniture and vehicles24 | €434 | - | - | - | - | - |
| Financial fixed assets28 | €7,630 | €60 | €60 | €60 | - | - |
| Current assets29/58 | €122,139 | €82,279 | €100,330 | €96,232 | €105,508 | ▲ 9.6% |
| Stocks and contracts in progress3 | €52,120 | €46,855 | €65,096 | €67,991 | €67,991 | = |
| Stocks30/36 | €52,120 | €46,855 | €65,096 | €67,991 | €67,991 | = |
| Amounts receivable within one year40/41 | €52,988 | €14,370 | €19,847 | €14,117 | €25,253 | ▲ 78.9% |
| Trade receivables40 | €35,588 | €7,973 | €19,847 | €14,117 | €25,253 | ▲ 78.9% |
| Other amounts receivable41 | €17,400 | €6,396 | - | - | - | - |
| Cash at bank and in hand54/58 | €11,010 | €13,984 | €14,961 | €13,559 | €11,699 | ▼ 13.7% |
| Deferred charges and accrued income490/1 | €6,020 | €7,071 | €426 | €565 | €565 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €130,203 | €82,339 | €100,390 | €118,392 | €122,408 | ▲ 3.4% |
| Equity10/15 | €51,734 | €28,241 | €20,129 | €23,803 | €29,467 | ▲ 23.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €31,274 | €7,781 | -€331 | €3,343 | €9,007 | ▲ 169% |
| Amounts payable17/49 | €78,469 | €54,099 | €80,261 | €94,589 | €92,941 | ▼ 1.7% |
| Amounts payable within one year42/48 | €78,469 | €54,099 | €80,261 | €94,589 | €92,941 | ▼ 1.7% |
| Trade debts44 | €69,110 | €30,866 | €48,359 | €208 | €16,598 | ▲ 7,888% |
| Suppliers440/4 | €69,110 | €30,866 | €48,359 | €208 | €16,598 | ▲ 7,888% |
| Taxes, remuneration and social security45 | €8,149 | €22,162 | €27,561 | €35,397 | €21,849 | ▼ 38.3% |
| Taxes450/3 | €7,422 | €5,487 | €6,089 | €6,784 | €8,063 | ▲ 18.9% |
| Remuneration and social security454/9 | €727 | €16,675 | €21,472 | €28,613 | €13,786 | ▼ 51.8% |
| Other amounts payable47/48 | €1,211 | €1,071 | €4,341 | €58,984 | €54,493 | ▼ 7.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,619 | -€23,493 | -€8,112 | €3,674 | €5,664 | ▲ 54.2% |
| + Depreciation and write-downs630 | €5,199 | €434 | - | €3,900 | €5,200 | ▲ 33.3% |
| Operating cash flow (approximation) | €24,818 | -€23,059 | -€8,112 | €7,574 | €10,864 | ▲ 43.4% |
| Investment in fixed assets (approximation) | - | €7,570 | €0 | -€26,000 | €60 | ▲ 100% |
| Change in cash | - | €2,973 | €978 | -€1,403 | -€1,859 | ▼ 32.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Similar companies · same sector, comparable size
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BE 0445.358.177
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R BO aime
BE 0824.582.053
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AL SAQER
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AXANA
BE 0454.712.343
Nazareth-De Pinte · Eq €29,311
Of 6,488 companies in this sector we hold annual accounts for 2,442. 1,712 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
10 eventsLatest 31-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
31-12
Financial
Back to profitnet €3,674
Net result €3,674 after 2 loss-making years.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Weakest financial yearnet -€23,493
Net result drops to -€23,493, the lowest in the series; recovery starts the following year.
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 39 days late
2021
31-12
Financial
Back to profitnet €19,619
Net result €19,619 after one loss-making year.
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Company details
Private limited company · founded 01-02-2019Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded01-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46150Agents in the wholesale of furniture, household goods and hardware
E-invoicing
Reachable via Peppol
Peppol ID
0208:0719717828
Also
9925:BE0719717828
Registered
11-08-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2019
Ground area
1,594 m²
Building footprint
218 m²
Volume, LiDAR
2,285 m³
2 parcels, Brussels · tallest building 21.2 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Paul De Mertenlaan 45, 1090 Jette
since 2019unit no. 2.290.261.852
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0175/00X003 | Brussels | 1,439 m² | 1 · 120 m² | 21.2 m · 3 fl. |
| 21816H0108/00T002 | Brussels | 155 m² | 1 · 98 m² | 17.5 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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