CAPRICCI · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CAPRICCI is 0.8% (low). The 2025 annual accounts show equity of €40k and a net result of €-16k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 1421 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.8% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	18-12-2025	44 d early	2025-00590599
30-06-2024	31-01-2025	31-01-2025	on the day	2025-00030865
30-06-2023	31-01-2024	30-01-2024	1 d early	2024-00024908
30-06-2022	31-01-2023	31-01-2023	on the day	2023-00012758
30-06-2021	31-01-2022	24-01-2022	7 d early	2022-01500163
30-06-2020	31-01-2021	28-01-2021	3 d early	2021-02800044
30-06-2019	31-01-2020	29-11-2019	63 d early	2019-74700508
30-06-2018	31-01-2019	29-11-2018	63 d early	2018-73200438
30-06-2017	31-01-2018	30-11-2017	62 d early	2017-70800166
30-06-2016	31-01-2017	28-12-2016	34 d early	2016-71900025

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2009, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-16k

Working capital€32k-34.5%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 18-12-2025 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~29.3%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	29.8%	23.7%	better than 56% of 1421 sector peers
Net result	€-16k	€8k	better than 12% of 1418 sector peers
Equity	€40k	€26k	better than 58% of 1423 sector peers
Gross operating margin	€-12k	€35k	better than 6% of 1415 sector peers
Total assets	€134k	€132k	better than 51% of 1422 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P56

Improving position over 2020-2025 · n=1421-6717

Net result P12

Weakening position over 2020-2025 · n=1418-6698

Equity P58

Improving position over 2020-2025 · n=1423-6732

Gross operating margin P6

Weakening position over 2020-2025 · n=1415-6677

Describes the position versus peers, not a forecast.

EBITDA

€-13k

- 19-25

Net profit

€-16k

- 19-25

Cash flow

€-14k

- 19-25

Total assets

€134k

+31.2% 19-25

Equity

€40k

-29.1% 19-25

Working capital

€32k

-34.5% 19-25

Income taxes

€149

-98.4% 19-25

Dividends

€0

-100.0% 19-25

Debt

€94k

+105.3% 19-25

Debt ≤ 1y

€94k

+107.8% 19-25

Current ratio

1.35

-35.9% 19-25

Quick ratio

1.35

-35.9% 19-25

Solvency

29.8%

-46.0% 19-25

Debt / equity

2.36

+189.6% 19-25

ROE

-41.1%

- 19-25

ROA

-12.2%

- 19-25

Interest coverage

-2.53

- 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€-13k
Net profit	€-16k
Cash flow	€-14k
Staff costs	-
Income taxes	€149
Dividends	-
Total assets	€134k
Equity	€40k
Debt	€94k
of which ≤ 1y	€94k
of which > 1y	-
Working capital	€32k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.35
Quick ratio	1.35
Working capital ratio	24.1%
Solvency	29.8%
Debt / equity	2.36
Long-term debt ratio	-
Interest coverage	-2.53
Gross margin	-
Net margin	-
ROA	-12.2%
ROE	-41.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €8k · 6.3% Current assets €126k · 93.7%

Equity & liabilities

Equity €40k · 29.8% Debt €94k · 70.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€134k
Fixed assets	21/28	€8k
Tangible fixed assets	22/27	€8k
Current assets	29/58	€126k
Amounts receivable within one year	40/41	€80k
Cash & bank	54/58	€491
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€134k
Equity	10/15	€40k
Contributions / capital	10/11	€19k
Reserves	13	€33k
Accumulated profits (losses)	14	€-11k
Amounts payable	17/49	€94k
Amounts payable within one year	42/48	€94k
Trade debts payable within one year	44	€11k
Income statement
Gross operating margin	9900	€-12k
Operating result	9901	€-15k
Financial income	75	€4k
Financial charges	65	€5k
Result before taxes	9903	€-16k
Income taxes	67/77	€149
Net result for the period	9904	€-16k
Result to be appropriated	9905	€-16k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

37 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Kievitstraat 131850 Grimbergen

Establishment units

1 location

CAPRICCI

Kievitstraat 13, 1850 GrimbergenDetailhandel in schoeisel

since 20092.178.805.288

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area925 m²

Buildings1

Building footprint183 m²

Volume (LiDAR)587 m³

Tallest building5.8 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23025I0261/00N002	Flanders	925 m²	1 · 183 m²	5.8 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

49 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 37

Profitability 0

Solvency 54

Growth 52

Stability 100

Credit advice

verdict per customer and amount

Similar

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Comparable size, same sector

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We hold annual accounts for 107 of the 1,045 companies in this sector. 81 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Detailhandel in schoeisel in gespecialiseerde winkels47721Detailhandel in schoeisel47721Detailhandel in kledingaccessoires in gespecialiseerde winkels47715Detailhandel in kledingaccessoires47715Detailhandel in lederwaren en reisartikelen in gespecialiseerde winkels47722Detailhandel in lederwaren en reisartikelen47722

Primary activity highlighted.

Names & trade names

Legal nameNL

CAPRICCI

Registered office

Kievitstraat 13

1850 Grimbergen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.