Turnover
≈ €14,000 estimated
The micro format states no turnover.
TOPAZ
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1996peak €59,142 (2018)
€3,762▲ €7,621
lowest -€14,544 (2019)
€3,474▲ €11,883
peak €241,854 (2018)
€178,873▲ 2.0%
€3,738▼ 81.4%
Board1 name since 2021
1 directorHaesendonckx Frans
Owners
100%CHRYSTAL
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from -€3,859 to €3,762Back to profit: €3,474Debts from €20,090 to €3,738Cash from €170,503 to €50,110
Key points
from the 2025 annual accountsLiquidity
43.51 was 8.70 in 2024
Short-term debts fell from €20,090 to €3,738.
Position in the sector
98.0%
Higher solvency than 95% of companies in real estate. Sector median 28.9% · 17,185 companies.
Checked score
97
Excellent
Financially stronger than 73% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.3%▲ +0.2 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025highest value
08-2025: < 0.1%▼ -0.4 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 43.51, cash €50,110, halved
Equity €178,873 (98.0% of total assets)
Founded in 1995
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 88% on liquidity, 61% on profitability and 52% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as TOPAZ has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of TOPAZ itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for TOPAZ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €17,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 43.51 (8.7 in 2024), above the usual 1.5. Short-term debt is 2% and cash 27.4% of total assets. 2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
6 days early
2023
351 days late
2022
60 days early
2021
60 days early
2020
60 days early
2019
59 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (4 of the last 5 accounts filed within 54 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Amendment of the articles · Legal-form change · Resignations & appointments
CHRYSTAL holds all the shares · Legal-form conversion: from private limited company (pre-2019) to private limited company · Board composition: HAESENDONCKX Frans (director) · General meeting of 06-12-2023 · Gazette deed
First establishment
Albertlaan 46, Mol
Incorporation
published on 29-12-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TOPAZ Mol | €182,611 | €3,762 | 98.0% | - |
| A & L Zandhoven | €164,534 | €3,952 | 65.1% | - |
| MERFEZA Merchtem | €216,685 | €4,860 | -22.5% | - |
| ANNICK DE KIMPE Antwerp | €161,227 | €8,274 | -12.9% | - |
| CHATHO Haacht | €209,108 | €4,078 | -106.0% | - |
| DEINS GOED Ingelmunster | €183,702 | €2,882 | 38.2% | - |
| REVENGE Knokke-Heist | €163,476 | €2,675 | 55.4% | - |
These companies have the same main activity as TOPAZ: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €161,000 and €217,000, founded between 1991 and 2000.
Official details
Source: KBO- Status
- Active since 08-12-1995Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 2 others
- Establishment unit
- 2.074.800.2072400 Mol, since 08-09-2000
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €182,611▼ 6.6%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on TOPAZ
TOPAZ files the micro format. That format states no turnover. The gross margin fell from €5,733 in 2006 to €3,762 in 2025.
CHRYSTAL holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TOPAZ
- What is the company number of TOPAZ?
- The company number of TOPAZ is 0456.730.537. The VAT number is the same number with BE in front: BE 0456.730.537.
- Where is TOPAZ based?
- The registered office is at Albertlaan 46, 2400 Mol.Company details
- What does TOPAZ do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of TOPAZ?
- TOPAZ is a private limited company (BV).
- When was TOPAZ founded?
- TOPAZ was founded on 08-12-1995.
- Is TOPAZ still active?
- Yes, TOPAZ is an active enterprise in the KBO register.
- What is the turnover of TOPAZ?
- The turnover in financial year 2025 is ≈ €14,000. This figure is estimated from the gross margin of €3,762 and 30 comparable companies (NACE 68110). It probably lies between €7,800 and €37,000. It is a rough estimate.Financials
- Is TOPAZ profitable?
- In financial year 2025, TOPAZ made a profit of €3,474.
- Where can I find the annual accounts of TOPAZ?
- TOPAZ filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TOPAZ due?
- TOPAZ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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