Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 33 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BEL 963 from Waterloo, company number BE0809830333, closed financial year 2025 with a result of € -70,760 after tax. For that financial year BEL 963 recorded a gross margin of € 64,898 and equity of € 27,836. Compared with financial year 2024, the result moved from € 15 to € -70,760. The company made a loss. The buffer shrank hard: equity is 72 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ 27,836
▼ 72% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -70,760
▼ still € 15 profit in 2024
Profit after tax over the fiscal year.
€ 30,898
▲ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 9,286.
People and assets in 2025
€ 22,662
▼ 23% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,292
▲ 3% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 188,874
▼ 20% vs 2024
€ 42,577 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 96,789
▼ 9% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,626
▼ 71% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 103,490 | € 68,162 | € 77,379 | € 64,898 | ▼ 16% |
| Profit after taxes | € 27,142 | € -9,016 | € 15 | € -70,760 | ▼ € 70,775 |
| Equity | € 107,598 | € 98,582 | € 98,596 | € 27,836 | ▼ 72% |
| Total debts | € 380,703 | € 389,574 | € 484,386 | € 396,613 | ▼ 18% |
| Cash | € 7,881 | € 18,043 | € 21,158 | € 30,898 | ▲ 46% |
| Land & buildings | € 243,354 | € 229,012 | € 288,323 | € 249,436 | ▼ 13% |
| Retained profit | € 89,048 | € 80,032 | € 80,046 | € 9,286 | ▼ 88% |
| Bank debt | € 217,974 | € 197,941 | € 234,696 | € 188,874 | ▼ 20% |
| Balance sheet total | € 488,300 | € 488,156 | € 582,982 | € 424,449 | ▼ 27% |
Key figures of BEL 963, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to BEL 963?
What happened at BEL 963 in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 70,760 (▼ € 70,775 vs 2024). Source: NBB ↗
- New establishment in Waterloo. KBO
- ISABEL GILLES became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 27,142 profit in 2022 to € 70,760 loss in 2025.
Paid € 12,934 in corporate taxes since 2022.
Best year ever: 2022, with € 27,142 profit.
A new publication or filing at BEL 963? We notify you, reason included.
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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
ISABEL GILLES
Manager
since 2009
Establishments
Establishment units
Physical locations of this company
Chaussée de Bruxelles 51
1410 Waterloo
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
SQUARESPACE - Squarespace, Inc., US
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0809.830.333
- VAT number
- BE 0809.830.333
- Registered office
- Chaussée de Bruxelles 51, 1410 Waterloo
- Names & denominations
- BEL 963
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 February 2009
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
Detailhandel in andere huishoudelijke artikelen, neg
Activiteiten van interieurarchitecten
Detailhandel in andere huishoudelijke artikelen in gespecialiseerde winkels, n.e.g.