79
ActiveFrom the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette
Summary
79 has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117,013 and a net result of €112,013. Its solvency ranks better than 38% of 22,679 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Official details
KBO- Status
- Active since 05-12-2024 Normal situation
- Legal form
- Private limited company
- Registered office
- Kerkstraat 68, 3920 Lommel
- Activity
- Retail sale of watches and jewellery NACE 47770and 3 others
- Establishment unit
- 2.367.600.843 3920 Lommel, since 05-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 23-04-2025
How it is doing
- Bankruptcy probabilitywithin 12 months
- 0.6%
Annual accounts 2025
- Gross margin
- €210,508
- Turnover
- ≈ €660,000
- estimated
- Profit
- €112,013
- Equity
- €117,013
- Total assets
- €587,945
- Staff
- 2 FTE
2025 accounts 35 days early
Filed on 26-06-2026at the National Bank
Why 71raises riskFounded in 2024Sector: Retail trade (NACE 47)lowers riskSize: total assets €587,945Figures for financial year 2025 (filed 26-06-2026)Show the evidence
Checked score
Score 2025
71
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 64% of its sector peers (NACE 47, micro)
Financial strength
Strong
Solvency
45
equity 19.9% of total assets
Liquidity
62
short-term debt 9.1% · cash 9.3%
Profitability
93
return on assets 19.1%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 1.8%
02-2026: 1.9%▲ +0.1 percentage points vs 01-2026
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 2.3%▲ +0.4 percentage points vs 03-2026
05-2026: 2.3%● unchanged vs 04-2026
06-2026: 2.6%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 0.6%▼ -2.0 percentage points vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026lowest value
Credit of up to €8,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity ample (current ratio 9.48, above the usual 1.5; short-term debt: 9.1% and cash: 9.3% of total assets), but 80.1% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 36% on solvency, 68% on liquidity and 87% on profitability.
The bankruptcy probability was computed on 31-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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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 26-06-2026, 35 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
35 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Financials · financial year 2025, micro format
Latest annual accounts filed
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 26-06-2026
- Format
- micro format
- Reference
- 2026-00203592
Turnover
≈ €660,000
Estimated: probably between €460,000 and €1.3m
Total assets
€587,945
Net result
€112,013
Working capital
€453,274
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
Assets €587,945
Fixed assets
€81,239
Current assets
€506,707
Equity and liabilities €587,945
Equity
€117,013
Debt
€470,932
Debt finances 80.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€162,513
Cash flow
€130,896
Current ratio
9.48
Quick ratio
1.26
Debt to equity
4.02
ROE
95.7%
ROA
19.1%
Interest coverage
over 100
Debt ≤ 1 year
€53,432
Debt > 1 year
€417,500
Income taxes
€32,701
Staff costs
€41,793
Peer companies
Historical observationOf the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96.7% are still going.
- Micro
- under 2 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.2%
went bankrupt
2.0%
stopped otherwise
96.7%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,390 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €41,793 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,883 |
| Other operating charges640/8 | €6,202 |
| Gross operating margin9900 | €210,508 |
| Operating profit (loss)9901 | €143,630 |
| Financial income75/76B | €2,471 |
| Recurring financial income75 | €2,471 |
| Financial charges65/66B | €1,386 |
| Recurring financial charges65 | €1,386 |
| Profit (loss) for the period before taxes9903 | €144,714 |
| Income taxes67/77 | €32,701 |
| Profit (loss) for the period9904 | €112,013 |
| Profit (loss) for the period to be appropriated9905 | €112,013 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €587,945 | |
| Fixed assets21/28 | €81,239 | |
| Tangible fixed assets22/27 | €81,239 | |
| Furniture and vehicles24 | €71,753 | |
| Other tangible fixed assets26 | €9,486 | |
| Current assets29/58 | €506,707 | |
| Stocks and contracts in progress3 | €439,229 | |
| Stocks30/36 | €439,229 | |
| Amounts receivable within one year40/41 | €11,432 | |
| Trade receivables40 | €9,865 | |
| Other amounts receivable41 | €1,566 | |
| Cash at bank and in hand54/58 | €54,749 | |
| Deferred charges and accrued income490/1 | €1,297 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €587,945 | |
| Equity10/15 | €117,013 | |
| Contributions10/11 | €5,000 | |
| Reserves13 | €112,013 | |
| Distributable reserves133 | €112,013 | |
| Amounts payable17/49 | €470,932 | |
| Amounts payable after more than one year17 | €417,500 | |
| Other amounts payable178/9 | €417,500 | |
| Amounts payable within one year42/48 | €53,432 | |
| Trade debts44 | €35,849 | |
| Suppliers440/4 | €35,849 | |
| Taxes, remuneration and social security45 | €17,508 | |
| Taxes450/3 | €12,801 | |
| Remuneration and social security454/9 | €4,708 | |
| Other amounts payable47/48 | €75 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €112,013 |
| + Depreciation and write-downs630 | €18,883 |
| Operating cash flow (approximation) | €130,896 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 26-06-2026 | 2026-00203592 | NBB |
Similar companies · same sector, comparable size
SD TRADING
BE 0797.011.485
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River Mounts EU
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ANAMAR
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Sint-Gillis (bij-Brussel) · equity €115,702
DAMIATI
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Edegem · equity €115,572
Of the 2,005 active companies whose main activity is retail sale of watches and jewellery (NACE 47770), figures are known for 925. 726 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
1 person, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| VANDEWEYER,Tom |
|
How the board is organised
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuursorgaan, op verzoek vennootschap blijft in functie totdat redelijkerwijze in vervanging kan worden voorzien”
- Power of attorneyA special mandate allowing someone to perform one or more acts on the company's behalf.
- One provision in the deed
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vereisten voor statutenwijziging, door de rechter”1 more provision on this in the deed
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Algemene vergadering, bestuurder(s) in functie krachtens statuten indien geen andere vereffenaar benoemd”
Articles of association, deed of 09-12-2024 (in Dutch)
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 09-12-2024 ↗
- VANDEWEYER,Tom 100 shares (100%) · €5,000 in cash
Capital over the years
- 09-12-2024 Incorporation · €5,000 · 100 shares
Shares according to the articles of association
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Niet-tegenwerpelijkheid, van rechtswege vanaf vervaldag in aanmaning tegen wettelijke rentevoet verhoogd met twee procent, jaarlijks…”
- Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
- Other provision: “Lidmaatschapsrechten en vermogensrechten als eigen goed, aandelen onderschreven met eigen gelden”Other provision: “Beschikbare eigen vermogensrekening, inbrengen van de aandeelhouders”Other provision: “Stortingsplicht, geheel van de aandelen waarvan de aandeelhouder titularis is”Other provision: “Bijkomende inbrengen, ten overstaan van een notaris”Other provision: “Inbreng in geld met uitgifte van nieuwe aandelen – recht van voorkeur, overblijvende aandelen eerst aan andere aandeelhouders die recht…”Other provision: “Aard van de aandelen en andere effecten, op eerste verzoek”Other provision: “Ondeelbaarheid van de effecten, door vruchtgebruiker, behoudens andersluidende bijzondere bepaling in statuten”Other provision: “Vergoeding bestuurders, algemene kosten los van representatie-,reis- en verplaatsingskosten”Other provision: “Gedelegeerd bestuurder voor leden van bestuursorgaan, dagelijks bestuur”Other provision: “Drie jaar, één of meerdere commissarissen”Other provision: “Bevoegdheden enige aandeelhouder, enige aandeelhouder”Other provision: “Bijeenroeping algemene vergadering, iedere persoon kan verzaken aan oproeping;als regelmatig opgeroepen beschouwd als aanwezig of…”Other provision: “Vertegenwoordiging van aandeelhouders, neergelegd op bureau van vergadering;bestuursorgaan mag eisen op door hem aangewezen plaats drie…”Other provision: “Aanwezigheidslijst, naam,voorna(a)m(en) en woonplaats of maatschappelijke benaming en statutaire zetel van aandeelhouders en aantal aandelen…”Other provision: “Enige bestuurder of voorzitter bestuursorgaan of bij afwezigheid plaatsvervanger of door vergadering aangeduid lid, samenstelling…”Other provision: “Antwoordplicht bestuurders-commissarissen, voor zover mededeling van gegevens of feiten niet van die aard is dat zij ernstig nadeel zou…”Other provision: “Verdaging kan slechts één keer, bestuursorgaan heeft recht tijdens zitting beslissing over goedkeuring jaarrekening drie weken uit te…”Other provision: “Beraadslaging-aanwezigheidsquorum, algemene aandeelhoudersvergadering kan geldig beraadslagen ongeacht aantal aanwezige en vertegenwoordigde…”Other provision: “Stemrecht, indien aandeel verdeeld in blote eigendom en vruchtgebruik wordt stemrecht steeds uitgeoefend door vruchtgebruiker”Other provision: “Behalve bij wet of statuten bepaalde gevallen worden beslissingen ongeacht aantal aanwezige of vertegenwoordigde aandelen genomen bij…”Other provision: “Aandeelhouders kunnen binnen wettelijke grenzen eenparig en schriftelijk alle besluiten nemen die tot bevoegdheid algemene vergadering…”Other provision: “Afschriften en uittreksels notulen algemene vergadering voor derden, één of meer vertegenwoordigingsbevoegde leden bestuursorgaan”Other provision: “Inventaris-jaarrekening-kwijting, algemene vergadering”Other provision: “Bestemming resultaat-reserve-uitkering, algemene vergadering op voorstel bestuursorgaan”Other provision: “Rechtbank rechtsgebied zetel, betwisting zaken vennootschap en uitvoering statuten”Other provision: “Netting financiële zekerheden, vordering tegenpartij beperkt tot saldo na verrekening”6 more provisions in the deed, see the deed of 09-12-2024
Articles of association, deed of 09-12-2024 (in Dutch)
Group and network
Connections & network
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History
Acts, filings and financial milestones
2026
26-06
financial year 2025 · micro format
2024
09-12
Gazette deed
IncorporationAppointment: VANDEWEYER,Tom (director) · Founder · Declaration19 facts ▸
Gazette deed
Incorporation
Appointment: VANDEWEYER,Tom (director) · Founder · Declaration19 facts ▸
- Founder, VANDEWEYER,Tom
- Declaration, “identiteitsvaststelling, rijksregisternummer en identiteitskaart” (deed in Dutch)
- Declaration, “bekwaamheid en bevoegdheid, bevoegd en bekwaam tot rechtshandelingen” (deed in Dutch)
- Other provision, “verzoek tot verlijden authentieke oprichtingsakte” (deed in Dutch)
- Other provision, “financieel plan, verantwoording bedrag aanvangsvermogen in licht voorgenomen bedrijvigheid” (deed in Dutch)
- Other provision, “oprichtersaansprakelijkheid bij kennelijk ontoereikend aanvangsvermogen, artikel 5:4 WVV cfr. artikel 5:16,2° WVV” (deed in Dutch)
- Incorporation, 79
- Founding capital, €5,000
- Bank account, “bijzondere rekening namens vennootschap in oprichting, *” (deed in Dutch)
- Other provision, “vastlegging statuten, statuten vastgelegd als volgt” (deed in Dutch)
- Share issue, 100, “inbrengen” (deed in Dutch)
- Registered office clause, “3920 Lommel,Kerkstraat 68” (deed in Dutch)
- +7 further facts in this act
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordName
79 in Dutch
Enterprise number
1017.003.428
Legal form
Private limited company
Status
Active, normale toestand
Founded
05-12-2024
Type
Legal entity
Where it is based
Registered office
Kerkstraat 68, 3920 Lommel, Belgium
Establishments
1 establishment unit since 2024
What it does
NACEBEL 202547770
Retail sale of watches and jewellery main activity
32122
Other manufacturing
32130
Manufacture of imitation jewellery and related articles
95250
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Invoicing and payment
VAT number
BE 1017.003.428
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Scores and ratios are computed by Checked and are not a credit decision.
Purpose, financial year and meetings according to the articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- 79
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, kan bij enkel besluit bestuursorgaan administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren vestigen…”
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of June at 20:00
Articles of association, deed of 09-12-2024 (in Dutch)
Environmental permits: No permit applications found in Flanders.
Sites & property
Registered office and establishments
1 establishment unit
79
since 2024unit no. 2.367.600.843
Buildings and parcels at the address
Ground area
232 m²
Building footprint
165 m²
Building volume
1,153 m³
Parcel 72020C0744/00L004, Flanders · tallest building 12.0 m.
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72020C0744/00L004 | Flanders | 232 m² | 1 · 165 m² | 12.0 m · 3 |