Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 4.5 to 1.6.
Financials
Financial year 2025
BIJOUTERIE MICHEL from Charleroi, company number BE0452997918, closed financial year 2025 with a result of € 581,962 after tax. For that financial year BIJOUTERIE MICHEL recorded a gross margin of € 1.1 million and equity of € 4.7 million. Compared with financial year 2024, the result moved from € 768,703 to € 581,962. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on March 20, 2026.
€ 4.7 million
▲ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 581,962
▼ 24% vs 2024
Profit after tax over the fiscal year.
€ 2.5 million
▲ 134% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 4.7 million.
People and assets in 2025
1.6
▼ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 105,382
▼ 36% vs 2024
€ 65,900 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 19,889
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 98,626
▼ 76% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,028
▼ 83% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 5,900,211 | - | - | - | |
| Gross margin | € 1,781,269 | € 1,540,809 | € 1,405,373 | € 1,071,682 | ▼ 24% |
| Profit after taxes | € 1,107,375 | € 874,802 | € 768,703 | € 581,962 | ▼ 24% |
| Equity | € 2,859,690 | € 3,368,077 | € 4,136,780 | € 4,718,742 | ▲ 14% |
| Total debts | € 1,249,455 | € 1,312,145 | € 520,298 | € 112,350 | ▼ 78% |
| Cash | € 1,253,151 | € 1,431,375 | € 1,065,282 | € 2,497,192 | ▲ 134% |
| Land & buildings | € 361,277 | - | - | - | |
| Retained profit | € 2,797,690 | € 3,306,077 | € 4,074,780 | € 4,656,742 | ▲ 14% |
| Dividend | € 357,143 | € 366,415 | € 0 | € 0 | |
| Bank debt | € 83,333 | € 200,000 | € 58,780 | € 0 | ▼ 100% |
| Balance sheet total | € 4,111,733 | € 4,680,222 | € 4,657,079 | € 4,831,092 | ▲ 4% |
| Employees (FTE) | 5.7 | 4.5 | 2.6 | 1.6 | ▼ 1 |
Key figures of BIJOUTERIE MICHEL, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to BIJOUTERIE MICHEL?
What happened at BIJOUTERIE MICHEL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Ferdinand ACCONCI stepped down as director. NBB
- Svitlana PACHINA stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 581,962 (▼ 24% vs 2024). Source: NBB ↗
- Ferdinand ACCONCI became a director. NBB
- Svitlana PACHINA became a director. NBB
- New establishment in Charleroi. KBO
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 1.1 million profit in 2022 to € 581,962 profit in 2025.
Paid € 1.4 million in corporate taxes since 2022.
Best year ever: 2022, with € 1.1 million profit.
On average € 669,800 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Ferdinand ACCONCI
Managing director
since 2023 · until 2029
Svitlana PACHINA
Director
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Place Verte 29
6000 Charleroi
Rue de Dampremy 67
6000 Charleroi
Active since 1 July 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0452.997.918
- VAT number
- BE 0452.997.918
- Registered office
- Place Verte 29, 6000 Charleroi
- Names & denominations
- BIJOUTERIE MICHEL
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 6 July 1994
- Peppol
- Active · Active since 15 Dec 2025
- Activities · NACE
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