Active BE 0666.512.833Private limited company (pre-2019)

Eternity Gems

Belgiëlei 112-114 ·2018 Antwerpen, Belgium· 9 yrs active

Sector: Wholesale of diamonds and other precious stones (46861)

Conclusion Checked

Eternity Gems has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€55k
Net result	€1k
Staff (FTE)	0.5
Better than sector	15%

Financial profile 5 of 5 axes measured · computed by Checked

47 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 51

Profitability 12

Solvency 15

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2016, past the statistically most fragile first 3 years.

No legal incidents

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

Administrative Flags0 events

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.

Checked score FY 2025 · computed

51 / 100 Fair

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.

Indicative credit limit

€3k

estimate, not credit advice

Score history

30 2022

2 2023

66 2024

51 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.04 (≥ 1.0) +5

Quick ratio Quick ratio 0.41 (< 0.6) -5

Leverage Debt/equity 23.41 (> 3.0) -10

Profitability ROE 2% +3

Interest coverage Interest coverage 4.6× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

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

Financial overview9 NBB filings

Annual accounts filed on 21-08-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	4.1%	36.5%	better than 15% of 338 sector peers
Net result	€1k	€44k	better than 25% of 338 sector peers
Equity	€55k	€279k	better than 25% of 338 sector peers
Gross operating margin	€50k	€244k	better than 26% of 337 sector peers
Staff costs	€19k	€174k	higher than 9% of 214 sector peers

EBITDA

€28k

-55.7% 22-25

Net profit

€1k

-97.4% 22-25

Cash flow

€2k

-97.1% 22-25

Total assets

€1.34M

+5.4% 22-25

Equity

€55k

+2.5% 22-25

Working capital

€54k

+3.0% 22-25

Employees (FTE)

1

-50.0% 22-25

Staff costs

€19k

-39.7% 22-25

Income taxes

€21k

+336.6% 22-25

Debt

€1.29M

+5.6% 22-25

Debt ≤ 1y

€1.29M

+5.6% 22-25

Current ratio

1.04

-0.1% 22-25

Quick ratio

0.41

-3.3% 22-25

Solvency

4.1%

-2.8% 22-25

Debt / equity

23.41

+3.0% 22-25

ROE

2.5%

-97.5% 22-25

ROA

0.1%

-97.6% 22-25

Interest coverage

4.56

-53.8% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	-	-	-	-
EBITDA	€28k	€63k	€-188k	-
Net profit	€1k	€53k	€-200k	€-30k
Cash flow	€2k	€53k	€-200k	-
Staff costs	€19k	€32k	€28k	-
Income taxes	€21k	€5k	€5k	€9k
Dividends	-	-	-	-
Total assets	€1.34M	€1.27M	€2.18M	€1.42M
Equity	€55k	€54k	€933	€201k
Debt	€1.29M	€1.22M	€2.18M	€1.22M
of which ≤ 1y	€1.29M	€1.22M	€2.18M	€1.22M
of which > 1y	-	-	-	-
Working capital	€54k	€53k	€-71	€201k
Employees (FTE)	0.5	1.0	1.0	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	1.04	1.04	1.00	1.16
Quick ratio	0.41	0.42	0.36	0.31
Working capital ratio	4.1%	4.2%	0.0%	14.1%
Solvency	4.1%	4.2%	0.0%	14.1%
Debt / equity	23.41	22.74	2336.47	6.07
Long-term debt ratio	-	-	-	-
Interest coverage	4.56	9.88	-28.16	-
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	0.1%	4.1%	-9.2%	-2.1%
ROE	2.5%	98.3%	-21421.1%	-15.0%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €593 · 0.0% Current assets €1.34M · 100.0%

Equity & liabilities

Equity €55k · 4.1% Debt €1.29M · 95.9%

Full annual accounts (23 line items)

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

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.34M	€1.27M	€2.18M	€1.42M
Fixed assets	21/28	€593	€799	€1k	-
Tangible fixed assets	22/27	€593	€799	€1k	-
Current assets	29/58	€1.34M	€1.27M	€2.18M	€1.42M
Stocks & contracts in progress	3	€820k	€761k	€1.39M	€1.04M
Amounts receivable within one year	40/41	€487k	€496k	€751k	€334k
Cash & bank	54/58	€32k	€12k	€39k	€38k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.34M	€1.27M	€2.18M	€1.42M
Equity	10/15	€55k	€54k	€933	€201k
Contributions / capital	10/11	€19k	€19k	€19k	€19k
Reserves	13	€212k	€212k	€212k	€212k
Accumulated profits (losses)	14	€-176k	€-177k	€-230k	€-30k
Amounts payable	17/49	€1.29M	€1.22M	€2.18M	€1.22M
Amounts payable within one year	42/48	€1.29M	€1.22M	€2.18M	€1.22M
Trade debts payable within one year	44	€1.21M	€1.18M	€2.13M	€1.18M
Income statement
Gross operating margin	9900	€50k	€97k	€-159k	€-2k
Operating result	9901	€28k	€63k	€-188k	€-22k
Financial income	75	€303	€606	€263	€7k
Financial charges	65	€6k	€6k	€7k	€6k
Result before taxes	9903	€22k	€57k	€-194k	€-22k
Income taxes	67/77	€21k	€5k	€5k	€9k
Net result for the period	9904	€1k	€53k	€-200k	€-30k
Result to be appropriated	9905	€1k	€53k	€-200k	€-30k

Legal Structure

NACE primary	Wholesale of diamonds and other precious stones(46861)
Legal form	Private limited company (pre-2019)(015)
Incorporation	18-11-2016
Status	Active
Postal code	2018

Establishment units 1 location

Eternity Gems

Belgiëlei 112-114, 2018 AntwerpenWholesale trade

since 20162.259.126.040

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11806F1340/00D011	Flanders	565 m²	1 · 515 m²	30.6 m · 5 fl.

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.

Updates 9 events

All 11Financial 2Filings 9

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

2026

21-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 21 days late

2025

10-10

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 71 days late

2024

31-12

Financial Back to profitnet €53k

Net result €53k after 2 loss-making years.

30-09

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 61 days late

2023

31-12

Financial Weakest financial yearnet €-200k

Net result drops to €-200k, the lowest in the series; recovery starts the following year.

13-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 13 days late

2022

17-10

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 78 days late

2021

14-10

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 75 days late

2020

15-10

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 76 days late

2019

27-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 27 days late

2018

28-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 59 days late

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

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Wholesale of diamonds and other precious stones46861

Names & trade names

Legal nameNL

Eternity Gems

Similar companies Comparable size · 623 of 1,239 companies in this sector with filed accounts

JEWELS & LINES AGENCY BE 0809.884.672 · Ukkel

DIRGEM BE 0424.201.883 · Antwerpen

DIAMOND SERVICE BENELUX BE 0431.147.875 · Antwerpen

Belle Pierre BE 0644.651.409 · Antwerpen

R.I.L. GEMS BE 0466.086.681 · Schilde