TOUT SIMPLE
ActiveSummary
The computed 12-month bankruptcy probability of TOUT SIMPLE is 1.5% (moderate). The 2025 annual accounts show negative equity (-€68,433) and a net result of -€12,467. Equity is shrinking by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 18626 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Age of the figures
Age of the figures
18 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€68,433
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
1 d early
2022
2 d late
2021
on the day
2020
9 d late
2019
7 d early
← 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 on the deadline day; 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 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 30 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€68,433▼ 22.3%
2024 · -€55,966
Total assets
€800▼ 62.4%
2024 · €2,128
Net result
-€12,467▲ 23.8%
2024 · -€16,370
Working capital
-€68,433▼ 22.3%
2024 · -€55,966
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€22,260-€5,761▲ 74.1%-€7,935▼ 37.8%-€16,187▼ 104%-€12,467▲ 23.0%
Net result-€22,260below the sector's middle half-€5,761below the sector's middle half▲ 74.1%-€7,935below the sector's middle half▼ 37.8%-€16,370below the sector's middle half▼ 106%-€12,467below the sector's middle half▲ 23.8%
Equity-€25,900below the sector's middle half▼ 611%-€31,661below the sector's middle half▼ 22.2%-€39,596below the sector's middle half▼ 25.1%-€55,966below the sector's middle half▼ 41.3%-€68,433below the sector's middle half▼ 22.3%
Total assets€29,706below the sector's middle half▼ 21.4%€19,114below the sector's middle half▼ 35.7%€10,651below the sector's middle half▼ 44.3%€2,128below the sector's middle half▼ 80.0%€800below the sector's middle half▼ 62.4%
Debt€55,606▲ 34.2%€50,775▼ 8.7%€50,247▼ 1.0%€58,094▲ 15.6%€69,234▲ 19.2%
Working capital-€26,450below the sector's middle half▼ 199%-€31,074below the sector's middle half▼ 17.5%-€39,596below the sector's middle half▼ 27.4%-€55,966below the sector's middle half▼ 41.3%-€68,433below the sector's middle half▼ 22.3%
Solvency-87.2%below the sector's middle half▼ 77.6pp-165.6%below the sector's middle half▼ 78.5pp-371.8%below the sector's middle half▼ 206.1pp
Current ratio0.49below the sector's middle half▼ 0.290.34below the sector's middle half▼ 0.150.21below the sector's middle half▼ 0.13
Return on assets (ROA)-74.9%below the sector's middle half▼ 135.3pp-30.1%below the sector's middle half▲ 44.8pp-74.5%below the sector's middle half▼ 44.4pp
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 per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12,467 in 2025 against €16,187 in 2024; the loss shrinks.
Key figures and ratios
Debt ≤ 1 year
€69,234▲
2024 · €58,094
Staff costs
€379
Ratios withheld: a balance sheet total of €800 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.6%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% 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 497,338 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% | 1.9% |
| 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 6,622 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €379 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,137 | €1,137 | €1,137 | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €1,800 | - | - | - |
| Other operating charges640/8 | - | €422 | €348 | €658 | €668 | ▲ 1.6% |
| Gross operating margin9900 | -€20,701 | -€4,202 | -€4,651 | -€15,530 | -€11,421 | ▲ 26.5% |
| Operating profit (loss)9901 | -€22,260 | -€5,761 | -€7,935 | -€16,187 | -€12,467 | ▲ 23.0% |
| Financial income75/76B | - | - | - | €1 | €0 | ▼ 42.0% |
| Recurring financial income75 | - | - | - | €1 | €0 | ▼ 42.0% |
| Financial charges65/66B | - | - | - | €183 | - | - |
| Recurring financial charges65 | - | - | - | €183 | - | - |
| Profit (loss) for the period before taxes9903 | -€22,260 | -€5,761 | -€7,935 | -€16,370 | -€12,467 | ▲ 23.8% |
| Profit (loss) for the period9904 | -€22,260 | -€5,761 | -€7,935 | -€16,370 | -€12,467 | ▲ 23.8% |
| Profit (loss) for the period to be appropriated9905 | -€22,260 | -€5,761 | -€7,935 | -€16,370 | -€12,467 | ▲ 23.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €29,706 | €19,114 | €10,651 | €2,128 | €800 | ▼ 62.4% |
| Fixed assets21/28 | €4,073 | €2,937 | - | - | - | - |
| Tangible fixed assets22/27 | €2,273 | €1,137 | - | - | - | - |
| Furniture and vehicles24 | - | €1,137 | - | - | - | - |
| Financial fixed assets28 | €1,800 | €1,800 | - | - | - | - |
| Current assets29/58 | €25,633 | €16,177 | €10,651 | €2,128 | €800 | ▼ 62.4% |
| Amounts receivable within one year40/41 | €418 | €191 | €188 | - | - | - |
| Other amounts receivable41 | - | €191 | €188 | - | - | - |
| Cash at bank and in hand54/58 | €25,215 | €15,986 | €10,462 | €2,128 | €800 | ▼ 62.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €29,706 | €19,114 | €10,651 | €2,128 | €800 | ▼ 62.4% |
| Equity10/15 | -€25,900 | -€31,661 | -€39,596 | -€55,966 | -€68,433 | ▼ 22.3% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€46,352 | -€52,112 | -€60,047 | -€76,417 | -€88,884 | ▼ 16.3% |
| Amounts payable17/49 | €55,606 | €50,775 | €50,247 | €58,094 | €69,234 | ▲ 19.2% |
| Amounts payable within one year42/48 | €52,083 | €47,251 | €50,247 | €58,094 | €69,234 | ▲ 19.2% |
| Trade debts44 | €7,421 | €8,379 | €6,547 | €2,626 | €1,538 | ▼ 41.4% |
| Suppliers440/4 | - | €8,379 | €6,547 | €2,626 | €1,538 | ▼ 41.4% |
| Other amounts payable47/48 | - | €38,872 | €43,700 | €55,469 | €67,695 | ▲ 22.0% |
| Accrued charges and deferred income492/3 | - | €3,523 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€22,260 | -€5,761 | -€7,935 | -€16,370 | -€12,467 | ▲ 23.8% |
| + Depreciation and write-downs630 | €1,137 | €1,137 | €1,137 | - | - | - |
| Operating cash flow (approximation) | -€21,123 | -€4,624 | -€6,799 | -€16,370 | -€12,467 | ▲ 23.8% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | -€9,229 | -€5,524 | -€8,334 | -€1,328 | ▲ 84.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet -€22,260
Net result drops to -€22,260, the lowest in the series; recovery starts the following year.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Blankenberge · 1 establishment unit since 1993
Ground area
889 m²
Building footprint
543 m²
Volume, LiDAR
5,566 m³
2 parcels, Flanders · tallest building 19.8 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Aarschotstraat 22, 2018 Antwerpen
since 19932.064.462.579
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1520/00M017 | Flanders | 788 m² | 1 · 440 m² | 19.8 m · 3 fl. |
| 31004A0794/00W012 | Flanders | 101 m² | 1 · 103 m² | 16.3 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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BIBIAENE
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 656 companies in sector 47715 we hold annual accounts for 187. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded08-11-1993
Fiscal year end31-03
Activities, NACEBEL 2025
47715Retail trade
47559Retail sale of other household articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0451228063
Also
9925:BE0451228063
Registered
02-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.