Anne Derine
ActiveSummary
Anne Derine has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €14k. Its solvency ranks better than 61% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+4
Growth52
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.77 against 3.24 in 2024; short-term debt: 26.5% and cash: 77% of total assets), and 26.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
73.5%
Return on assets
25.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 63.8%
2024 · €24k
2024: €24k
2024 → 2025
Total assets
€52k▲ 54.0%
2024 · €34k
2024: €34k
2024 → 2025
Net result
€14k▼ 42.6%
2024 · €24k
2024: €24k
2024 → 2025
Working capital
€39k▲ 63.8%
2024 · €24k
2024: €24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€24k-€39k▲ 63.8%
Operating result€34k-€20k▼ 41.8%
Net result€24k-€14k▼ 42.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €52k
Equity
€39k ▲ 63.8%
Debt
€14k ▲ 32.2%
Debt's share of the balance-sheet total falls from 30.9% to 26.5%. Equity and debt are higher.
Key figures and ratios
Current ratio
3.77▲
2024 · 3.24
Debt to equity
0.36▼
2024 · 0.45
ROE
35.1%▼
2024 · 100.0%
ROA
25.8%▼
2024 · 69.1%
Debt ≤ 1 year
€14k▲
2024 · €11k
Income taxes
€6k▼
2024 · €11k
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€52k▲
Current assets29/58€34k€52k▲
Amounts receivable within one year40/41€10k€12k▲
Trade receivables40€6k-
Other amounts receivable41€4k€12k▲
Cash at bank and in hand54/58€24k€40k▲
Deferred charges and accrued income490/1-€108
Equity and liabilities
Total equity and liabilities10/49€34k€52k▲
Equity10/15€24k€39k▲
Contributions10/11-€2k
Reserves13€24k€37k▲
Distributable reserves133€24k€37k▲
Amounts payable17/49€11k€14k▲
Amounts payable within one year42/48€11k€14k▲
Trade debts44-€1k
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€354-
Other operating charges640/8€387€400▲
Gross operating margin9900€35k€20k▼
Operating profit (loss)9901€34k€20k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€99€80▼
Recurring financial charges65€99€80▼
Profit (loss) for the period before taxes9903€34k€20k▼
Income taxes67/77€11k€6k▼
Profit (loss) for the period9904€24k€14k▼
Profit (loss) for the period to be appropriated9905€24k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€14k▼
Transfer to equity691/2€24k€14k▼
To other reserves6921€24k€14k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
NBB filing
Directors · office · real estate
Directors
2 acts for this company are 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, Charleroi · 1 establishment unit since 2024
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.
Rue Emile Tumelaire 196000 CharleroiGround area
1,128 m²
Building footprint
189 m²
Volume, LiDAR
1,817 m³
2 parcels, Wallonia · tallest building 19.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ANNE DERINE SRL
since 20242.360.223.893
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56044B0206/00F000 | Wallonia | 947 m² | 1 · 121 m² | 7.8 m · 2 fl. |
| 52011B0239/00A165 | Wallonia | 181 m² | 1 · 68 m² | 19.1 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
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Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 1,575 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
Founded19-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
87109Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:styv.anne@hotmail.com
Phone:+32496032631