Whimsy'Woo
ActiveSummary
The computed 12-month bankruptcy probability of Whimsy'Woo is 2.4% (moderate). The 2025 annual accounts show negative equity (-€16,276) and a net result of -€4,786. Its solvency ranks better than 10% of 22,773 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 27-08-2024 Normal situation
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 5 others
- Establishment unit
- 2.364.883.259 7500 Tournai, since 27-08-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 26-01-2026
Board and ownership
- Demarez, Elora ElisaDirector
- Rzaski, Adeline, JadwigaDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.4%
- Turnover
- €35,106
- Loss
- €4,786
- ▼ 75.4%
- Equity
- -€16,276
- ▼ 41.7%
- Total assets
- €23,022
- ▼ 55.4%
- Negative equity on 31-12-2025
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskNegative equity -€16,276Last filed accounts filed 31 days late; 1 of the last 3 accounts lateFounded in 2024lowers riskLiquidity: current ratio 1.33, cash €5,788Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 60% on liquidity, 13% on profitability and 13% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 29 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00460572.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is a loss of €2,387, smaller than the loss of €18,002 in 2024.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €8,257 | - |
| Depreciation and write-downs of the year | €517 | €1,003 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | - | €35,106 | - |
| Non-recurring operating income76A | - | €15,124 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €51,613 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €517 | €1,003 | ▲ 94.2% |
| Gross operating margin9900 | -€17,486 | -€1,383 | ▲ 92.1% |
| Operating profit (loss)9901 | -€18,002 | -€2,387 | ▲ 86.7% |
| Financial charges65/66B | €1,488 | €2,400 | ▲ 61.3% |
| Recurring financial charges65 | €1,488 | €2,400 | ▲ 61.3% |
| Profit (loss) for the period before taxes9903 | -€19,490 | -€4,786 | ▲ 75.4% |
| Profit (loss) for the period9904 | -€19,490 | -€4,786 | ▲ 75.4% |
| Profit (loss) for the period to be appropriated9905 | -€19,490 | -€4,786 | ▲ 75.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €51,601 | €23,022 | ▼ 55.4% |
| Fixed assets21/28 | €7,741 | €6,737 | ▼ 13.0% |
| Tangible fixed assets22/27 | €7,741 | €6,737 | ▼ 13.0% |
| Plant, machinery and equipment23 | €5,998 | €5,350 | ▼ 10.8% |
| Other tangible fixed assets26 | €1,743 | €1,387 | ▼ 20.4% |
| Current assets29/58 | €43,860 | €16,285 | ▼ 62.9% |
| Stocks and contracts in progress3 | €15,652 | €9,659 | ▼ 38.3% |
| Stocks30/36 | €15,652 | €9,659 | ▼ 38.3% |
| Amounts receivable within one year40/41 | €17,398 | €838 | ▼ 95.2% |
| Trade receivables40 | €17,398 | - | - |
| Other amounts receivable41 | - | €838 | - |
| Cash at bank and in hand54/58 | €10,810 | €5,788 | ▼ 46.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €51,601 | €23,022 | ▼ 55.4% |
| Equity10/15 | -€11,490 | -€16,276 | ▼ 41.7% |
| Contributions10/11 | €8,000 | €8,000 | = |
| Profit (loss) carried forward14 | -€19,490 | -€24,276 | ▼ 24.6% |
| Amounts payable17/49 | €63,091 | €39,298 | ▼ 37.7% |
| Amounts payable after more than one year17 | €36,203 | €27,064 | ▼ 25.2% |
| Financial debts170/4 | €36,203 | €27,064 | ▼ 25.2% |
| Amounts payable within one year42/48 | €26,888 | €12,234 | ▼ 54.5% |
| Current portion of amounts payable after more than one year42 | €8,797 | €9,928 | ▲ 12.9% |
| Trade debts44 | €16,520 | €1,196 | ▼ 92.8% |
| Suppliers440/4 | €16,520 | €1,196 | ▼ 92.8% |
| Taxes, remuneration and social security45 | €1,571 | €1,110 | ▼ 29.3% |
| Taxes450/3 | €1,571 | €1,110 | ▼ 29.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€19,490 | -€4,786 | ▲ 75.4% |
| + Depreciation and write-downs630 | €517 | €1,003 | ▲ 94.2% |
| Operating cash flow (approximation) | -€18,973 | -€3,783 | ▲ 80.1% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€5,022 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as Whimsy'Woo has now. Two years later, 84.9% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Whimsy'Woo itself: 2.4% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for Whimsy'Woo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- Rzaski, Adeline, Jadwiga 40 shares (50%) · €4,000 in cash
- Demarez, Elora Elisa 40 shares (50%) · €4,000 in cash
Capital transactions
- 29-08-2024 Incorporation · €8,000 · 80 shares
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Demarez, Elora Elisa |
|
| Rzaski, Adeline, Jadwiga |
|
| Demarez, Elora |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs, personnes physiques ou morales, actionnaires ou non, administrateurs restants ont le droit de coopter un…”“Rémunération des administrateurs, assemblée générale décide si le mandat est exercé gratuitement”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Pour moitié à charge du cédant et pour moitié à charge des acquéreurs proportionnellement au nombre d'actions acquises, sans recours”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 29-08-2024 (in French)
Network & group
Whimsy'Woo shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of Whimsy'Woo. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
07-05
Gazette deed
Resignation: Elora DEMAREZ (director)Director discharge4 points ▸
- General meeting, 28-03-2026
- Director resignation, Elora DEMAREZ (director)
- Director discharge, Elora DEMAREZ (director)
- Board composition, Adeline RZASKI (director)
29-08
Gazette deed
IncorporationStarting capital €8,000 · Appointments: Rzaski, Adeline, Jadwiga (director) and Demarez, Elora Elisa (director) · Founder12 points ▸
- Incorporation, 27-08-2024
- Founding capital, €8,000
- Founder, Rzaski, Adeline, Jadwiga
- Founder, Demarez, Elora Elisa
- Other provision, 06-06-2024
- Registered office clause, “7500 Tournai, rue Royale”, 5 (deed in French)
- Other provision, “whimsywoo.vintage@gmail.com, néant” (deed in French)
- Board rule, 2
- Director appointment, Rzaski, Adeline, Jadwiga (director (not named in the articles))
- Director appointment, Demarez, Elora Elisa (director (not named in the articles))
- Pre-incorporation commitments, “takeover, Tous les engagements ainsi que les obligations qui en résultent, et toutes les activités entreprises” (deed in French)
- Capital
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
25 activities
- L’achat, la vente, le commerce en gros et/ou en détail, la représentation, le conditionnement, le courtage, l’importation, l’exportation et l’entreposage de :
- Friperies, de tous vêtements et accessoires, bijoux, fantaisies, articles de chaussures, maroquinerie, ceintures, sellerie, ainsi que de tous autres articles en cuir, en caoutchouc et en matières plastiques et/ou synthétiques semblables à ceux mentionnés ci-avant avec leurs dérivés et/ou accessoires
- Parapluies, gants
- Tous articles de voyage en toute matières synthétiques et/ou naturelles
- Bas et lingeries en général
- La création et la réparation de vêtements et de leurs accessoires ainsi que toutes autres activités liées à la couture et aux vêtements
- L’activité de styliste
- L’exploitation d’un atelier de couture, de création de vêtements et de leurs accessoires ainsi que d’un atelier de retouches
- La fabrication de tous produits de boulangerie, pâtisserie, confiserie, chocolaterie, glaces, l’achat et la vente soit en gros, en demi-gros, ou détail de toutes matières premières et produits fabriqués
- La distribution, la vente, la consommation de produits alimentaires, notamment la boulangerie, pâtisserie, confiserie, glaces (artisanales), boissons diverses, chocolaterie, et produits traiteurs ; elle assurera notamment la création, la gestion et l’organisation d’un réseau de points de vente de produits alimentaires sous la forme de magasins indépendants ou franchisés
- Toutes activités en rapport direct ou indirect avec la restauration en général et le secteur Horeca, l’organisation de banquets et réceptions, le service traiteur, y compris l’organisation, la gestion et l’exploitation de restaurants, cafétérias, débits de boissons, de salons de thé, snack-bar, sandwicherie, service de cuisine rapide ou de petite restauration, la livraison à domicile et la vente ambulante, la concession d'auberges, d'un ou plusieurs restaurants, d'hôtels, de débits de boissons, salons de consommation, de commerces de spécialités régionales et autres, de boissons, vins et spiritueux ainsi que toutes opérations de tourisme, d’hôtellerie, de divertissements et de loisirs
- Toutes opérations relatives à l'organisation d'événements culturels, sportifs, publics et privés, comprenant cocktails, réception, spectacles
- La commercialisation, sous toutes ses formes et notamment l’achat, la vente, le courtage et la commission de tous produits et biens de consommation
- La conception, la fabrication et la commercialisation de tous produits et biens de consommation
- Et de manière générale la conception, la fabrication et la commercialisation de tous produits et biens de consommation
- L’importation et l’exportation de tous produits se rapportant à l’objet de la société
- L’enseignement des activités exercées par la société
- La traduction au sens large du terme
- La gestion et le développement, dans son sens le plus large, d'un patrimoine immobi-lier et mobilier
- Toutes transactions ou travaux immobiliers ou fonciers, et notamment l’achat, la vente, l’échange, la construction, la réparation, la transformation, le leasing immobilier, la location, la sous-location, et la gestion de tous biens immeubles bâtis ou non bâtis ainsi que toutes opérations mobilières et notamment l’achat, la vente, la location et la gestion de tous biens meubles
- Toutes missions, d’expertise en matière immobilière, toutes opérations de courtage en valeurs immobilières, mobilières, assurer la gestion des biens immobiliers et valeurs mobilières, intervenir en matière de conseils et réalisation dans les matières économiques, financières et monétaires, assurer ou coordonner la réalisation de projets immobiliers
- Investir à court, moyen et long terme, faire des opérations de bourse, des investissements, les achats et les ventes sur le marché des options, ériger ou faire ériger des immeubles, les aménager ou faire aménager, prendre ou donner des immeubles en location, faire tous travaux en vue de les rendre rentables, lotir les terrains, créer la voie nécessaire, contracter tous contrats de leasing, prendre ou donner des droits d'emphytéose ou de superficie
- S'intéresser par voie d'association, d'apport, de fusion, d'intervention financière ou autrement dans toutes sociétés, associations ou entreprises dont l'objet est identique, analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
- Exercer les fonctions d’administrateur ou liquidateur dans d’autres sociétés
- Se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées, au sens le plus large
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 57462D0327/00H000 | Wallonia | 224 m² | 1 · 83 m² | 14.8 m · 4 |