anne-lore by Van Herck
Activeanne-lore by Van Herck has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €376k and a net result of €14k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-9
Solvency80▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 4.52 in 2024; short-term debt: 37.1% and cash: 18.9% of total assets), and 45.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
54.6%
Return on assets
2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
17 d early
2023
16 d early
2022
27 d early
2021
40 d early
2020
39 d early
2019
18 d early
← 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, abbreviated schema
Equity
€376k▼ 30.1%
2024 · €538k
2018: €262k
2019: €286k
2020: €363k
2021: €419k
2022: €440k
2023: €455k
2024: €538k
2018 → 2025
Total assets
€690k▼ 27.9%
2024 · €957k
2018: €774k
2019: €770k
2020: €978k
2021: €961k
2022: €957k
2023: €938k
2024: €957k
2018 → 2025
Net result
€14k▼ 83.9%
2024 · €88k
2018: €1k
2019: €24k
2020: €77k
2021: €67k
2022: €33k
2023: €29k
2024: €88k
2018 → 2025
Working capital
€408k▼ 28.9%
2024 · €573k
2018: €299k
2019: €320k
2020: €486k
2021: €505k
2022: €492k
2023: €496k
2024: €573k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€419k-€440k▲ 4.9%€455k▲ 3.3%€538k▲ 18.5%€376k▼ 30.1%
Operating result€103k-€55k▼ 46.3%€51k▼ 7.9%€132k▲ 158%€31k▼ 76.3%
Net result€67k-€33k▼ 50.7%€29k▼ 12.4%€88k▲ 202%€14k▼ 83.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €690k
Fixed assets
€26k▼ 88.0%
Current assets
€663k▼ 9.8%
Equity and liabilities €690k
Equity
€376k▼ 30.1%
Provisions
€0▼ 100%
Debt
€313k▼ 23.3%
The debt ratio rises from 42.7% to 45.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €180k
Cash flow
€39k▼
2024 · €136k
Solvency
54.6%▼
2024 · 56.3%
Current ratio
2.59▼
2024 · 4.52
Quick ratio
1.04▼
2024 · 2.26
Debt / equity
0.83▲
2024 · 0.76
ROE
3.7%▼
2024 · 16.3%
ROA
2.0%▼
2024 · 9.2%
Interest coverage
8.31▼
2024 · 16.70
Debt
€313k▼
2024 · €409k
Debt ≤ 1 year
€256k▲
2024 · €163k
Debt > 1 year
€57k▼
2024 · €245k
Income taxes
€12k▼
2024 · €39k
Staff costs
€172k▲
2024 · €152k
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€957k€690k▼
Fixed assets21/28€221k€26k▼
Tangible fixed assets22/27€220k€25k▼
Land and buildings22€207k€0▼
Plant, machinery and equipment23€5k€13k▲
Furniture and vehicles24€8k€12k▲
Financial fixed assets28€2k€2k=
Current assets29/58€736k€663k▼
Stocks and contracts in progress3€369k€398k▲
Stocks30/36€369k€398k▲
Amounts receivable within one year40/41€124k€130k▲
Trade receivables40€124k€127k▲
Other amounts receivable41€50€3k▲
Current investments50/53€80k€0▼
Cash at bank and in hand54/58€158k€130k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€957k€690k▼
Equity10/15€538k€376k▼
Contributions10/11€19k€13k▼
Reserves13€520k€363k▼
Tax-exempt reserves132€29k€0▼
Distributable reserves133€491k€363k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€10k€0▼
Deferred taxes168€10k€0▼
Amounts payable17/49€409k€313k▼
Amounts payable after more than one year17€245k€57k▼
Financial debts170/4€245k€57k▼
Amounts payable within one year42/48€163k€256k▲
Current portion of amounts payable after more than one year42€60k€22k▼
Trade debts44€45k€52k▲
Suppliers440/4€45k€52k▲
Taxes, remuneration and social security45€50k€63k▲
Taxes450/3€23k€31k▲
Remuneration and social security454/9€28k€32k▲
Other amounts payable47/48€8k€119k▲
Accrued charges and deferred income492/3€1k€400▼
Income statement
Code20242025
Non-recurring operating income76A-€407
Remuneration, social security and pensions62€152k€172k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€25k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€337k€232k▼
Operating profit (loss)9901€132k€31k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€11k€7k▼
Recurring financial charges65€11k€7k▼
Profit (loss) for the period before taxes9903€126k€26k▼
Transfer from deferred taxes780€801€0▼
Income taxes67/77€39k€12k▼
Profit (loss) for the period9904€88k€14k▼
Transfer from tax-exempt reserves789€2k€0▼
Profit (loss) for the period to be appropriated9905€90k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€14k▼
Transfer from equity791/2€4k€27k▲
Transfer to equity691/2€90k€14k▼
To other reserves6921€90k€14k▼
Profit to be distributed694/7€4k€27k▲
Return on contributions (dividend)694€4k€27k▲
Social balance
Average headcount (FTE)90875.14.5▼
The notes to these accounts (20 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
27-02
State Gazette act
RestructuringDemerger · Corporate purpose · Share issue10 facts ▸
State Gazette act
Restructuring
Demerger · Corporate purpose · Share issue10 facts ▸
- Demerger, partiële splitsing door oprichting
- Corporate purpose, Import en export van, groothandel en kleinhandel in, werkplaats voor: dames-, heren-, kinderbovenkleding en onderkleding, bedrijfskleding, vrijetijdskleding, hu…
- Corporate purpose, 1. Het verwerven van participaties in eender welke vorm in alle bestaande of nog op te richten rechtspersonen en vennootschappen... 2. Het aanleggen, hetoordeel…
- Share issue, 1000, EUR
- Net-asset statement, 2025-06-30
- Accounting effect, 2025-07-01
- Real estate, Textielfabriek - Geel -13008H1441/OOG002 P0000 - 2440 Geel, Gasthuisstraat 46
- Real estate, Appartement - Geel - 13008H1441/00Y002 P0001 - Appartement 1 op gelijkvloers -2440 Geel, Gasthuisstraat 46 0001
- Real estate, Tuin - Geel -13008H1441/00S002 P0000
- Name change, anne-lore by Van Herck
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €88k ▲202%
Operating result €132k, net result €88k, both a record.
31-12
Financial
Equity above €500kEq €538k ▲18.5%
7 profitable years in a row build equity to €538k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
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.
20-12-2023
Van Herck, Anne-Lore Julienne José: Resigned as Manager
20-12-2023
Van Herck, Hans Frans Clement Indira: Resigned as Manager
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 1984
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.
Gasthuisstraat 462440 GeelGround area
283 m²
Building footprint
152 m²
Volume, LiDAR
703 m³
Parcel 13008H1441/00Y002, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
anne-lore by Van Herck
since 19842.025.706.824
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H1441/00Y002 | Flanders | 282 m² | 1 · 152 m² | 10.4 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Acquisitions and mergers
1 transactionContributed a business line to:VAN HERCK IMMO
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 6,076 EUR awarded · 4,416 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,407 EUR | 407 EUR |
| 2024 | 1 | 407 EUR | 407 EUR |
| 2023 | 1 | 2,387 EUR | 1,727 EUR |
| 2022 | 2 | 1,875 EUR | 1,875 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies voor internationaal ondernemen
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Of 687 companies in sector 46412 we hold annual accounts for 516. 399 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-1984
Fiscal year end31-12
Legal name NL
VAN HERCK
Activities, NACEBEL
14230Manufacture of wearing apparel
46412Wholesale of household textiles and bedding
51410
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.