Confiserie Elise
ActiveConfiserie Elise has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €8k. Equity is shrinking by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 796 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-17
Solvency45▼-25
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.66 in 2024; short-term debt: 74.1% and cash: 5.1% of total assets), and 79.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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
20.3%
Return on assets
0.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
1 d early
2021
on the day
2020
17 d early
2019
53 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€177k▼ 50.4%
2024 · €357k
2019: €629k
2020: €663k
2021: €617k
2022: €500k
2023: €533k
2024: €357k
2019 → 2025
Total assets
€873k▲ 10.8%
2024 · €788k
2019: €853k
2020: €750k
2021: €666k
2022: €555k
2023: €781k
2024: €788k
2019 → 2025
Net result
€8k▼ 66.1%
2024 · €23k
2019: €6k
2020: €34k
2021: €129k
2022: €57k
2023: €33k
2024: €23k
2019 → 2025
Working capital
€-25k
2024 · €232k
2019: €488k
2020: €569k
2021: €497k
2022: €423k
2023: €391k
2024: €232k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€617k-€500k▼ 19.0%€533k▲ 6.7%€357k▼ 33.1%€177k▼ 50.4%
Operating result€126k-€58k▼ 54.2%€34k▼ 41.2%€25k▼ 26.1%€13k▼ 50.2%
Net result€129k-€57k▼ 55.6%€33k▼ 42.0%€23k▼ 29.7%€8k▼ 66.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €873k
Fixed assets
€251k▲ 23.2%
Current assets
€622k▲ 6.4%
Equity and liabilities €873k
Equity
€177k▼ 50.4%
Debt
€696k▲ 61.3%
The debt ratio rises from 54.8% to 79.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €62k
Cash flow
€55k▼
2024 · €61k
Solvency
20.3%▼
2024 · 45.2%
Current ratio
0.96▼
2024 · 1.66
Quick ratio
0.43▼
2024 · 0.76
Debt / equity
3.94▲
2024 · 1.21
ROE
4.5%▼
2024 · 6.6%
ROA
0.9%▼
2024 · 3.0%
Interest coverage
3.45▼
2024 · 5.25
Debt
€696k▲
2024 · €432k
Debt ≤ 1 year
€647k▲
2024 · €352k
Debt > 1 year
€49k▼
2024 · €80k
Staff costs
€456k▲
2024 · €408k
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€788k€873k▲
Fixed assets21/28€204k€251k▲
Intangible fixed assets21€5k€2k▼
Tangible fixed assets22/27€199k€250k▲
Plant, machinery and equipment23€61k€121k▲
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€130k€122k▼
Financial fixed assets28€0-
Current assets29/58€584k€622k▲
Stocks and contracts in progress3€317k€345k▲
Stocks30/36€317k€345k▲
Amounts receivable within one year40/41€182k€227k▲
Trade receivables40€160k€210k▲
Other amounts receivable41€21k€17k▼
Cash at bank and in hand54/58€80k€44k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€788k€873k▲
Equity10/15€357k€177k▼
Contributions10/11€48k€48k=
Reserves13€308k€120k▼
Tax-exempt reserves132€23k€23k=
Distributable reserves133€285k€97k▼
Profit (loss) carried forward14€561€8k▲
Amounts payable17/49€432k€696k▲
Amounts payable after more than one year17€80k€49k▼
Financial debts170/4€80k€49k▼
Amounts payable within one year42/48€352k€647k▲
Current portion of amounts payable after more than one year42€30k€30k▲
Financial debts43€140k€300k▲
Credit institutions430/8€140k€300k▲
Trade debts44€44k€72k▲
Suppliers440/4€44k€72k▲
Taxes, remuneration and social security45€49k€48k▼
Taxes450/3€1,000€1,000=
Remuneration and social security454/9€48k€47k▼
Other amounts payable47/48€89k€196k▲
Income statement
Code20242025
Remuneration, social security and pensions62€408k€456k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€47k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€12k€13k▲
Gross operating margin9900€482k€528k▲
Operating profit (loss)9901€25k€13k▼
Financial income75/76B€10k€13k▲
Recurring financial income75€10k€13k▲
Non-recurring financial income76B€0-
Financial charges65/66B€12k€17k▲
Recurring financial charges65€12k€17k▲
Profit (loss) for the period before taxes9903€23k€8k▼
Profit (loss) for the period9904€23k€8k▼
Profit (loss) for the period to be appropriated9905€23k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€8k▼
Profit (loss) brought forward from the previous period14P€146€561▲
Transfer from equity791/2€200k€188k▼
Transfer to equity691/2€23k€0▼
To other reserves6921€23k€0▼
Profit to be distributed694/7€200k€188k▼
Return on contributions (dividend)694€200k€188k▼
Social balance
Average headcount (FTE)90879.59.0▼
The notes to these accounts (16 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €500kEq €533k ▲6.7%
5 profitable years in a row build equity to €533k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €129k ▲279%
Operating result €126k, net result €129k, both a record.
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity doublescurrent ratio 7.55
Current ratio from 3.18 to 7.55; short-term debt falls from €224k to €87k.
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Gillis-Waas · 1 establishment unit since 1994
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.
Kluizenhof(SGW) 139170 Sint-Gillis-WaasGround area
6,789 m²
Building footprint
1,925 m²
Volume, LiDAR
11,312 m³
Parcel 46020B0323/00F000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kluizenhof(SGW) 13, 9170 Sint-Gillis-Waas
since 19942.039.681.554
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020B0323/00F000 | Flanders | 6,789 m² | 1 · 1,924 m² | 6.5 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 10,267 EUR awarded · 2,435 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 162 EUR | 162 EUR |
| 2024 | 1 | 648 EUR | 648 EUR |
| 2023 | 1 | 830 EUR | 830 EUR |
| 2022 | 3 | 8,627 EUR | 795 EUR |
Schemes
Call groene stroom (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies voor internationaal ondernemen
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis-Waas2.039.681.554
Similar companies · same sector, comparable size
BONBONS A L'ANCIENNE
BE 0885.095.504
Beyne-Heusay · Eq €175k
CHOCOLATE & ICE
BE 0545.745.754
Pelt · Eq €175k
LA CABOSSE D'OR
BE 0454.519.531
Genappe · Eq €181k
DIDIER SMEETS
BE 0632.489.191
Dalhem · Eq €184k
CHOCOLADE ATELIER STUYVEN
BE 0646.758.782
Begijnendijk · Eq €186k
Of 725 companies in sector 10820 we hold annual accounts for 351. 246 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end30-06
Activities, NACEBEL
10820Manufacture of cocoa, chocolate and sugar confectionery
46360Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.