Rêve de dentelle
ActiveRêve de dentelle has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1k) and a net result of €-21k. Equity is shrinking by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 10877 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
15
/ 100
Critical▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency43▲+27
Growth32=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.91 against 1.01 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-0.5%
Return on assets
-10.2%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€1k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 8 filingsDeviation from the deadline
2025
24 d late
2024
60 d late
2023
60 d late
2022
6 d early
2021
33 d early
2020
31 d early
2019
2 d early
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-1k
2024 · €20k
2021: €96k
2022: €83k
2023: €96k
2024: €20k
2021 → 2025
Total assets
€206k▼ 25.0%
2024 · €274k
2021: €140k
2022: €168k
2023: €203k
2024: €274k
2021 → 2025
Net result
€-21k▲ 72.3%
2024 · €-76k
2021: €47k
2022: €2k
2023: €13k
2024: €-76k
2021 → 2025
Working capital
€-18k
2024 · €3k
2021: €85k
2022: €115k
2023: €81k
2024: €3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€83k▼ 14.0%€96k▲ 15.7%€20k▼ 79.2%€-1k
Operating result€58k-€3k▼ 94.5%€19k▲ 484%€-84k€-21k▲ 75.0%
Net result€47k-€2k▼ 95.6%€13k▲ 532%€-76k€-21k▲ 72.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €21k in 2025 against €84k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€17k▲ 3.2%
Current assets
€189k▼ 26.8%
Key figures and ratios
EBITDA
€-19k▲
2024 · €-81k
Cash flow
€-19k▲
2024 · €-73k
Solvency
-0.5%▼
2024 · 7.2%
Current ratio
0.91▼
2024 · 1.01
Quick ratio
0.36▼
2024 · 0.67
Debt / equity
-183.75▼
2024 · 12.82
ROE
1863.4%▲
2024 · -381.1%
ROA
-10.2%▲
2024 · -27.6%
Interest coverage
-232.49▲
2024 · -262.69
Debt
€207k▼
2024 · €255k
Debt ≤ 1 year
€207k▼
2024 · €255k
Staff costs
€65k▲
2024 · €51k
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
Total assets
20/58€274k€206k▼
Fixed assets
21/28€16k€17k▲
Tangible fixed assets
22/27€8k€9k▲
Financial fixed assets
28€8k€8k=
Current assets
29/58€258k€189k▼
Stocks & contracts in progress
3€88k€113k▲
Amounts receivable within one year
40/41€79k€43k▼
Cash & bank
54/58€89k€32k▼
Total equity & liabilities
10/49€274k€206k▼
Equity
10/15€20k€-1k▼
Reserves
13€20k€20k=
Accumulated profits (losses)
14€356€-21k▼
Amounts payable
17/49€255k€207k▼
Amounts payable within one year
42/48€255k€207k▼
Trade debts payable within one year
44€138k€44k▼
Income statement
Code20242025
Gross operating margin
9900€-30k€47k▲
Operating result
9901€-84k€-21k▲
Financial income
75€8k€0▼
Financial charges
65€310€82▼
Result before taxes
9903€-76k€-21k▲
Net result for the period
9904€-76k€-21k▲
Result to be appropriated
9905€-76k€-21k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-76k ▼685%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
27-11
State Gazette act
Director changes
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 directors, last change in 2023
ZOYA В CEREMONIE SRL
CurrentManaging director · since 27-11-2023 · Legal entity
27-11-2023
ZOYA В CEREMONIE SRL: Appointed as Managing director
27-11-2023
Desole Deborah Barbara Françoise: Resigned as Managing director
27-11-2023
Wauters Aurore Renée Bernard Rose: Resigned as Managing director
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Frameries · 1 establishment unit since 2018
Ground area
1,175 m²
Building footprint
257 m²
Volume, LiDAR
1,923 m³
2 parcels, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rêve de dentelle
since 20182.271.381.001
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53045A0218/00X000 | Wallonia | 1,105 m² | 1 · 173 m² | 8.8 m · 2 fl. |
| 53403E0405/00A000 | Wallonia | 71 m² | 1 · 84 m² | 14.7 m · 4 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Zonhoeve
BE 0896.138.260
Bilzen-Hoeselt · Eq €20k
LFA
BE 0735.610.089
Rumst · Eq €20k
MISS FASHION
BE 0642.829.292
Brussel · Eq €20k
DAPHNE
BE 0451.230.340
Waterloo · Eq €20k
Outdoorjackets.be
BE 0578.913.321
Antwerpen · Eq €20k
Of 1,273 companies in sector 46160 we hold annual accounts for 658. 427 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47711Retail sale of women's outerwear
14220Manufacture of wearing apparel
46423Wholesale of clothing, excluding workwear and underwear
47512Retail sale of household textiles and bedding
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.