VERSION NATURE
ActiveVERSION NATURE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €15k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+52
Solvency9▲+2
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.3 in 2024), and 86.9% 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 →
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
13.1%
Return on assets
3.9%
Age of the figures
8 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
22 d early
2023
29 d late
2022
31 d late
2021
38 d early
2020
1 d early
2019
60 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 41.6%
2024 · €36k
2022: €38k
2023: €33k
2024: €36k
2022 → 2025
Total assets
€388k▲ 7.5%
2024 · €361k
2022: €413k
2023: €388k
2024: €361k
2022 → 2025
Net result
€15k▲ 331%
2024 · €3k
2022: €-8k
2023: €-6k
2024: €3k
2022 → 2025
Working capital
€-81k▼ 2.2%
2024 · €-79k
2022: €-78k
2023: €-80k
2024: €-79k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€38k-€33k▼ 14.5%€36k▲ 10.7%€51k▲ 41.6%
Operating result€-4k-€4k€14k▲ 218%€30k▲ 117%
Net result€-8k-€-6k▲ 31.6%€3k€15k▲ 331%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 117% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€347k▲ 6.1%
Current assets
€41k▲ 20.6%
Equity and liabilities €388k
Equity
€51k▲ 41.6%
Debt
€337k▲ 3.7%
The debt ratio falls from 90.0% to 86.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€42k▲
2024 · €29k
Cash flow
€27k▲
2024 · €19k
Solvency
13.1%▲
2024 · 10.0%
Current ratio
0.34▲
2024 · 0.30
Quick ratio
0.18▲
2024 · 0.15
Debt / equity
6.61▼
2024 · 9.02
ROE
29.4%▲
2024 · 9.7%
ROA
3.9%▲
2024 · 1.0%
Interest coverage
4.62▲
2024 · 2.97
Debt
€337k▲
2024 · €325k
Debt ≤ 1 year
€122k▲
2024 · €113k
Debt > 1 year
€215k▲
2024 · €212k
Income taxes
€6k▲
2024 · €714
Staff costs
€23k▲
2024 · €23k
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
Total assets
20/58€361k€388k▲
Fixed assets
21/28€327k€347k▲
Tangible fixed assets
22/27€327k€347k▲
Current assets
29/58€34k€41k▲
Stocks & contracts in progress
3€17k€19k▲
Amounts receivable within one year
40/41€27€383▲
Cash & bank
54/58€16k€21k▲
Total equity & liabilities
10/49€361k€388k▲
Equity
10/15€36k€51k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€16k€31k▲
Amounts payable
17/49€325k€337k▲
Amounts payable after one year
17€212k€215k▲
Amounts payable within one year
42/48€113k€122k▲
Trade debts payable within one year
44€7k€9k▲
Income statement
Code20242025
Gross operating margin
9900€56k€70k▲
Operating result
9901€14k€30k▲
Financial income
75€241€309▲
Financial charges
65€10k€9k▼
Result before taxes
9903€4k€21k▲
Income taxes
67/77€714€6k▲
Net result for the period
9904€3k€15k▲
Result to be appropriated
9905€3k€15k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €15k ▲331%
Operating result €30k, net result €15k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-12
State Gazette act
Director changes
v3.2
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
14-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 45 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
WALHIN Martine
CurrentAdministrateur non statutaire · since 28-12-2023
28-12-2023
Appointed as Administrateur non statutaire
Location & real-estate footprint
Registered office, Esneux · 1 establishment unit since 1994
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.
Avenue de la Station 534130 EsneuxGround area
194 m²
Building footprint
95 m²
Volume, LiDAR
1,127 m³
Parcel 62032C0666/00Z000, Wallonia · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de la Station 53, 4130 Esneux
since 19942.067.613.891
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032C0666/00Z000 | Wallonia | 194 m² | 1 · 95 m² | 13.3 m · 4 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Lamo
BE 0672.517.034
Brasschaat · Eq €51k
Renaudin Care
BE 0738.698.847
Ronse · Eq €51k
PIMK
BE 0769.302.347
Tournai · Eq €51k
STRONG LIFE
BE 0737.404.490
Oostende · Eq €51k
NDR Company
BE 0793.273.423
Herentals · Eq €51k
Of 6,453 companies in sector 47716 we hold annual accounts for 2,299. 1,746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-1994
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52423
47721Retail sale of footwear
47784Retail sale of souvenirs and religious articles
47786Retail trade
52497
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.