WOLF QUALITY & LUXURY
ActiveSummary
The computed 12-month bankruptcy probability of WOLF QUALITY & LUXURY is 2.9% (moderate). The 2025 annual accounts show equity of €217k and a net result of €44k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 10359 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency48▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.1 in 2024; short-term debt: 47.8% and cash: 3.4% of total assets), and 77.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 30-06-2025, 62 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
not confirmed
2025
62 d early
2024
39 d late
2023
20 d late
2022
26 d late
2021
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€217k▲ 25.1%
2024 · €173k
2021: €172k
2022: €162k
2023: €139k
2024: €173k
2021 → 2025
Total assets
€960k▼ 6.8%
2024 · €1.03M
2021: €473k
2022: €758k
2023: €1.10M
2024: €1.03M
2021 → 2025
Net result
€44k▲ 25.8%
2024 · €35k
2021: €16k
2022: €-10k
2023: €-24k
2024: €35k
2021 → 2025
Working capital
€167k▲ 183%
2024 · €59k
2021: €37k
2022: €-113k
2023: €15k
2024: €59k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€162k▼ 5.8%€139k▼ 14.7%€173k▲ 25.0%€217k▲ 25.1%
Operating result€16k-€-12k€-22k▼ 82.7%€43k€60k▲ 40.0%
Net result€16k-€-10k€-24k▼ 138%€35k€44k▲ 25.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €960k
Fixed assets
€334k ▼ 16.3%
Current assets
€626k ▼ 0.8%
Equity and liabilities €960k
Equity
€217k ▲ 25.1%
Debt
€743k ▼ 13.2%
Debt's share of the balance-sheet total falls from 83.2% to 77.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€129k▲
2024 · €111k
Cash flow
€112k▲
2024 · €103k
Current ratio
1.36▲
2024 · 1.10
Quick ratio
0.12▲
2024 · 0.05
Debt to equity
3.43▼
2024 · 4.95
ROE
20.1%▲
2024 · 20.0%
ROA
4.5%▲
2024 · 3.4%
Interest coverage
11.14▲
2024 · 10.13
Debt ≤ 1 year
€459k▼
2024 · €572k
Debt > 1 year
€285k▼
2024 · €285k
Income taxes
€5k▲
2024 · €186
Staff costs
€113k▲
2024 · €104k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€960k▼
Fixed assets21/28€399k€334k▼
Intangible fixed assets21€81k€63k▼
Tangible fixed assets22/27€318k€271k▼
Plant, machinery and equipment23€317k€270k▼
Other tangible fixed assets26€930€930=
Current assets29/58€631k€626k▼
Stocks and contracts in progress3€605k€573k▼
Stocks30/36€605k€573k▼
Amounts receivable within one year40/41€6k€4k▼
Trade receivables40€0€3k▲
Other amounts receivable41€6k€495▼
Cash at bank and in hand54/58€17k€32k▲
Deferred charges and accrued income490/1€4k€18k▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€960k▼
Equity10/15€173k€217k▲
Contributions10/11€156k€156k=
Reserves13€17k€61k▲
Distributable reserves133€17k€61k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€857k€743k▼
Amounts payable after more than one year17€285k€285k▼
Financial debts170/4€285k€285k▼
Amounts payable within one year42/48€572k€459k▼
Current portion of amounts payable after more than one year42€25k€31k▲
Financial debts43€96k€78k▼
Credit institutions430/8€96k€78k▼
Trade debts44€171k€145k▼
Suppliers440/4€171k€145k▼
Advances received on contracts in progress46€29k€20k▼
Taxes, remuneration and social security45€41k€50k▲
Taxes450/3€22k€28k▲
Remuneration and social security454/9€19k€22k▲
Other amounts payable47/48€209k€135k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€104k€113k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€69k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€217k€244k▲
Operating profit (loss)9901€43k€60k▲
Financial income75/76B€3k€501▼
Recurring financial income75€3k€501▼
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€35k€49k▲
Income taxes67/77€186€5k▲
Profit (loss) for the period9904€35k€44k▲
Profit (loss) for the period to be appropriated9905€35k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€44k▲
Profit (loss) brought forward from the previous period14P€-17k€0▲
Transfer from equity791/2€0-
Transfer to equity691/2€17k€44k▲
To other reserves6921€17k€44k▲
Social balance
Average headcount (FTE)9087-2.6
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
Financial
Highest result since 2021net €44k ▲25.8%
Operating result €60k, net result €44k, both a record.
31-01
Financial
Equity above €200kEq €217k ▲25.1%
2 profitable years in a row build equity to €217k.
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
31-01
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
31-01
Financial
Equity above €150kEq €173k ▲25%
Equity rises from €139k to €173k.
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
31-01
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nieuwpoort · 3 establishment units since 2020
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.
Robert Orlentpromenade 25/028620 NieuwpoortGround area
1.1 ha
Building footprint
1,054 m²
Volume, LiDAR
13,223 m³
3 parcels, Flanders · tallest building 39.6 m, ±6 floors. Linked by address, not a title deed.
3 establishment units
Wolf Quality & Luxury
since 20202.298.109.251
Wolf Quality & Luxury
since 20212.321.943.834
Actuel B
since 20252.382.192.019
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402E0174/00C002 | Flanders | 1.1 ha | 1 · 794 m² | 17.2 m · 4 fl. |
| 38402D0082/00C000 | Flanders | 178 m² | 1 · 189 m² | 39.5 m · 4 fl. |
| 33011H0370/00W000 | Flanders | 135 m² | 1 · 70 m² | 19.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MAXIMS FASHION
BE 0835.534.937
Roeselare · Eq €216,938
FRAUSSEN-DOLMANS
BE 0472.833.527
Lanaken · Eq €217,218
JULIE
BE 0442.984.449
Ukkel · Eq €217,386
DINKY
BE 0421.816.871
Brussel · Eq €215,378
DENIVAJO
BE 0502.276.886
Boechout · Eq €215,230
Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,755 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2020
Fiscal year end31-01
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.