Beau & Lou

Active

Private limited companyfounded 20197 yrs activeDriekoningenstraat 63, 8820 Torhout, BelgiumKBO/BCE: BE 0732.584.778

Beau & Lou has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-9k) and a net result of €-10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 313 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

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Checked score

Score 2025

7 / 100

Critical▼ -33 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency33▲+33

Growth32▼-26

Stability100

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.17 against 0.14 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

-5.6%

Return on assets

-6.2%

Age of the figures

8 mo

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 78

Relative position

BE, all sectors

reference

Sector 78

lower

← fewer bankruptcies more bankruptcies →

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year -€9k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

on the day

2024

45 d early

2023

31 d late

2022

59 d late

2021

28 d late

2020

83 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€-9k

2024 · €1k

2020: €3k 2021: €-7k 2022: €14k 2023: €42k 2024: €1k

2020 → 2025

Total assets

€161k▲ 16.9%

2024 · €138k

2020: €74k 2021: €196k 2022: €188k 2023: €216k 2024: €138k

2020 → 2025

Net result

€-10k

2024 · €3k

2020: €2k 2021: €-10k 2022: €21k 2023: €28k 2024: €3k

2020 → 2025

Working capital

€-72k▼ 82.5%

2024 · €-39k

2020: €-24k 2021: €-19k 2022: €-9k 2023: €6k 2024: €-39k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-7k-€14k€42k▲ 197%€1k▼ 97.6%€-9k

Operating result€-5k-€34k€44k▲ 30.7%€10k▼ 78.0%€-6k

Net result€-10k-€21k€28k▲ 35.0%€3k▼ 89.7%€-10k

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €6k after €10k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €161k

90.9%

Fixed assets €146k▲ 11.3%

Current assets €15k▲ 132%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-205▼

2024 · €16k

Cash flow

€-4k▼

2024 · €9k

Solvency

-5.6%▼

2024 · 0.7%

Current ratio

0.17▲

2024 · 0.14

Quick ratio

0.14▼

2024 · 0.14

Debt / equity

-18.81

ROE

111.1%▼

2024 · 287.2%

ROA

-6.2%▼

2024 · 2.1%

Interest coverage

-0.06▼

2024 · 4.76

Debt

€170k▲

2024 · €137k

Debt ≤ 1 year

€87k▲

2024 · €46k

Debt > 1 year

€83k▼

2024 · €91k

Income taxes

€406▼

2024 · €4k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€138k€161k▲

Fixed assets21/28€131k€146k▲

Tangible fixed assets22/27€131k€125k▼

Land and buildings22€130k€125k▼

Furniture and vehicles24€534-

Financial fixed assets28€575€22k▲

Current assets29/58€6k€15k▲

Amounts receivable after more than one year29€4k-

Other amounts receivable291€4k-

Stocks and contracts in progress3-€3k

Stocks30/36-€3k

Amounts receivable within one year40/41€2k€9k▲

Trade receivables40-€8k

Other amounts receivable41€2k€2k▼

Cash at bank and in hand54/58€1k€3k▲

Deferred charges and accrued income490/1€51-

Equity and liabilities

Total equity and liabilities10/49€138k€161k▲

Equity10/15€1k€-9k▼

Contributions10/11€1k€1k=

Profit (loss) carried forward14-€-10k

Amounts payable17/49€137k€170k▲

Amounts payable after more than one year17€91k€83k▼

Financial debts170/4€91k€83k▼

Amounts payable within one year42/48€46k€87k▲

Current portion of amounts payable after more than one year42€14k€8k▼

Financial debts43€3-

Credit institutions430/8€3-

Trade debts44€10k€400▼

Suppliers440/4€10k€400▼

Taxes, remuneration and social security45€22k€4k▼

Taxes450/3€22k€4k▼

Other amounts payable47/48€1€75k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=

Other operating charges640/8€984€600▼

Gross operating margin9900€17k€396▼

Operating profit (loss)9901€10k€-6k▼

Financial income75/76B€365-

Recurring financial income75€365-

Financial charges65/66B€3k€3k▲

Recurring financial charges65€3k€3k▲

Profit (loss) for the period before taxes9903€7k€-10k▼

Income taxes67/77€4k€406▼

Profit (loss) for the period9904€3k€-10k▼

Profit (loss) for the period to be appropriated9905€3k€-10k▼

Appropriation of the result

Profit (loss) to be appropriated9906€44k€-10k▼

Profit (loss) brought forward from the previous period14P€41k-

Profit to be distributed694/7€44k-

Return on contributions (dividend)694€44k-

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Weakest financial yearnet €-10k ▼450%

Net result drops to €-10k, the lowest in the series.

16-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

31-12

Financial Highest result since 2020net €28k ▲35%

Operating result €44k, net result €28k, both a record.

28-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 59 days late

2022

31-12

Financial Back to profitnet €21k

Net result €21k after one loss-making year.

28-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 28 days late

2021

22-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 83 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Torhout · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Driekoningenstraat 638820 Torhout

Ground area

965 m²

Building footprint

322 m²

Parcel 31522B0277/00G000, Flanders. Linked by address, not a title deed.

1 establishment unit

Beau & Lou

Driekoningenstraat 63, 8820 TorhoutAgents in the wholesale of furniture, household goods and hardware

since 20192.293.957.453

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31522B0277/00G000	Flanders	965 m²	1 · 322 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel 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

International Talent Company

Of 2,346 companies in sector 78100 we hold annual accounts for 1,354. 141 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-08-2019

Fiscal year end31-12

Legal name NL SLV GROUP

Activities, NACEBEL

78100Employment placement agencies

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.