Equity
-€1,689
Debts exceed assets in financial year 2025.
74Trade
Lifetime
2 annual accounts with figures on one time axispeak €4,321 (2025)
€4,321▲ €10,408
lowest -€7,417 (2024)
€3,728▲ €11,145
peak -€1,689 (2025)
-€1,689▲ €3,728
€16,478▼ 40.7%
Board1 name since 2023
1 directorPAGLIA Mirko
Documentsfilings and deeds
04-02-20264 days late
2025micro format
Gross margin from -€6,087 to €4,321Back to profit: €3,728Registered-office move 13-11Equity from -€5,417 to -€1,689Debts from €27,787 to €16,478Cash from €404 to €262
Key points
from the 2025 annual accountsDebts
€16,478 111% of the balance sheet
Suppliers 43%Taxes and wages 1%Other 57%
Position in the sector
-11.4%
Lower solvency than 83% of companies in wholesale trade. Sector median 40.4% · 13,805 companies.
2025 accounts filed 4 days after the deadline
Checked score
49
Fair
Financially stronger than 51% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.4%
01-2025: 2.6%▲ +0.2 percentage points vs 12-2024
02-2025: 2.7%▲ +0.1 percentage points vs 01-2025
03-2025: 2.3%▼ -0.4 percentage points vs 02-2025
04-2025: 2.3%● unchanged vs 03-2025
05-2025: 2.3%● unchanged vs 04-2025lowest value
06-2025: 2.4%▲ +0.1 percentage points vs 05-2025
07-2025: 2.4%● unchanged vs 06-2025
08-2025: 2.4%● unchanged vs 07-2025
09-2025: 2.5%▲ +0.1 percentage points vs 08-2025
10-2025: 2.6%▲ +0.1 percentage points vs 09-2025
11-2025: 2.6%● unchanged vs 10-2025
12-2025: 5.0%▲ +2.4 percentage points vs 11-2025
01-2026: 5.0%● unchanged vs 12-2025
02-2026: 5.3%▲ +0.3 percentage points vs 01-2026highest value
03-2026: 2.6%▼ -2.7 percentage points vs 02-2026
04-2026: 2.6%● unchanged vs 03-2026
05-2026: 2.6%● unchanged vs 04-2026
06-2026: 2.6%● unchanged vs 05-2026
07-2026: 2.6%● unchanged vs 06-2026
08-2026: 2.6%● unchanged vs 07-2026
09-2026: 2.7%▲ +0.1 percentage points vs 08-2026
10-2026: 4.0%▲ +1.3 percentage points vs 09-2026
11-2026: 4.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2023
1 change of registered office in 24 months
Liquidity: current ratio 0.59, cash €262
lowers risk
Size: total assets €14,789
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 46, micro). It does better than 14% of them on solvency, 5% on liquidity, 95% on profitability and 90% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 1,017 companies had the same profile as 74Trade has now. Each dot stands for 3 companies, two years later.
89.2%
were still trading
4.0%
stopped another way
6.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of 74Trade itself: 4.0% 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 1,017 companies, not a prediction for 74Trade. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.59 (0.81 in 2024), below 1. Short-term debt is 111.4% and cash 1.8% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 13805 sector peers (2025).
NBB · sector comparisonPosition among 13805 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · 2025 accounts filed 4 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-02-2026, 4 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
4 days late
2024
2 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 3 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0802399737
Registered-office move
Gazette deed
Incorporation
Founding capital of €2,000, 1,000 shares · Founder: PAGLIA Mirko · Appointment: PAGLIA Mirko (director) · published on 07-06-2023 · Gazette deed
First establishment
Starrenhoflaan 3, Kapellen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 74Trade Kapellen | €14,789 | €4,321 | -11.4% | - |
| TERRA SELECTION Uccle | €41,305 | €4,986 | -104.7% | - |
| ROYAL LAND TRADING Sint-Gillis (bij-Brussel) | €11,045 | €2,922 | 92.3% | - |
| VATOZ Sint-Pieters-Leeuw | €49,323 | €4,543 | 16.6% | - |
| HANS HIVE COMPANY Vilvoorde | €28,070 | -€18,682 | -96.5% | - |
| COSMI WORLD Profondeville | €8,062 | -€34,662 | -330.8% | - |
| WASS DISTRIBUTION Jette | €15,636 | -€13,530 | -517.2% | - |
These companies have the same main activity as 74Trade: non-specialised wholesale (NACE 46392). They are comparable in size and age: total assets between €8,060 and €49,300, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 05-06-2023Normal situation
- Activity
- Non-specialised wholesaleNACE 46392and 5 others
- Establishment unit
- 2.347.198.1792950 Kapellen, since 05-06-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 24-06-2026
Insights on 74Trade
The computed 12-month bankruptcy probability of 74Trade is 4.0% (moderate). The 2025 annual accounts show negative equity (-€1,689) and a net result of €3,728.
Its solvency ranks better than 17% of 13,805 sector peers (NACE 46, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
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 74Trade
- What is the company number of 74Trade?
- The company number of 74Trade is 0802.399.737. The VAT number is the same number with BE in front: BE 0802.399.737.
- Where is 74Trade based?
- The registered office is at Starrenhoflaan 3, 2950 Kapellen.Company details
- What does 74Trade do?
- According to the KBO register, the main activity is non-specialised wholesale (NACE 46392).
- What is the legal form of 74Trade?
- 74Trade is a private limited company (BV).
- When was 74Trade founded?
- 74Trade was founded on 05-06-2023.
- Is 74Trade still active?
- Yes, 74Trade is an active enterprise in the KBO register.
- What is the turnover of 74Trade?
- The turnover in financial year 2025 is ≈ €72,000. This figure is estimated from the gross margin of €4,321 and 48 comparable companies (NACE 463). It probably lies between €33,000 and €120,000. It is a rough estimate.Financials
- Is 74Trade profitable?
- In financial year 2025, 74Trade made a profit of €3,728.
- Where can I find the annual accounts of 74Trade?
- 74Trade filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 74Trade due?
- 74Trade must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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