883 RETAIL
ActiveSummary
The computed 12-month bankruptcy probability of 883 RETAIL is 1.8% (moderate). The 2025 annual accounts show equity of €21,151 and a net result of €97,779. Equity is shrinking by ~31% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 26% of 11693 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency35▲+35
Growth85▲+30
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.63 in 2024; short-term debt: 76% and cash: 7.1% of total assets), and 89.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.1%
Return on assets
46.7%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
61 d late
2023
2 d early
2022
242 d late
2021
584 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 171 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 September (4 of the last 5 filed years within 181 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€360,039▲ 335%
2024 · €82,717
EBIT margin
28.3%▲ 100.5pp
2024 · -72.2%
Net result
€97,779
2024 · -€63,500
Working capital
-€13,012▲ 88.5%
2024 · -€112,688
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1,900-€82,717€360,039▲ 335%
Operating result-€13,063--€3,187▲ 75.6%-€5,887▼ 84.7%-€59,726▼ 914%€101,754
Net result-€13,489below the sector's middle half--€3,318below the sector's middle half▲ 75.4%-€6,320below the sector's middle half▼ 90.5%-€63,500below the sector's middle half▼ 905%€97,779above the sector's middle half
EBIT margin-687.4%--72.2%28.3%▲ 100.5pp
Equity-€3,489below the sector's middle half--€6,808below the sector's middle half▼ 95.1%-€13,128below the sector's middle half▼ 92.8%-€76,628below the sector's middle half▼ 484%€21,151within the sector's middle half
Total assets€16,359below the sector's middle half-€16,703below the sector's middle half▲ 2.1%€11,201below the sector's middle half▼ 32.9%€267,852within the sector's middle half▲ 2,291%€209,499within the sector's middle half▼ 21.8%
Debt€19,848-€23,511▲ 18.5%€24,329▲ 3.5%€344,480▲ 1,316%€188,348▼ 45.3%
Working capital-€10,817below the sector's middle half--€14,135below the sector's middle half▼ 30.7%-€16,825below the sector's middle half▼ 19.0%-€112,688below the sector's middle half▼ 570%-€13,012below the sector's middle half▲ 88.5%
Solvency-21.3%below the sector's middle half--40.8%below the sector's middle half▼ 19.4pp-117.2%below the sector's middle half▼ 76.4pp-28.6%below the sector's middle half▲ 88.6pp10.1%within the sector's middle half▲ 38.7pp
Current ratio0.14below the sector's middle half-0.13below the sector's middle half▼ 0.010.01below the sector's middle half▼ 0.120.63below the sector's middle half▲ 0.630.92below the sector's middle half▲ 0.28
Return on assets (ROA)-82.5%below the sector's middle half--19.9%below the sector's middle half▲ 62.6pp-56.4%below the sector's middle half▼ 36.6pp-23.7%below the sector's middle half▲ 32.7pp46.7%above the sector's middle half▲ 70.4pp
Staff (FTE)1.62▲ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €101,754 after a loss of €59,726 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209,499
Fixed assets
€63,277 ▼ 13.5%
Current assets
€146,222 ▼ 24.9%
Equity and liabilities €209,499
Equity
€21,151
Debt
€188,348
Debt finances 89.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€111,625▲
2024 · -€53,902
Cash flow
€107,650▲
2024 · -€57,676
Quick ratio
0.40▲
2024 · 0.35
Debt to equity
8.90
ROE
462.3%
Interest coverage
432.66▲
2024 · -14.28
Debt ≤ 1 year
€159,234▼
2024 · €307,392
Debt > 1 year
€29,114▼
2024 · €37,088
Income taxes
€3,717
Staff costs
€67,587▲
2024 · €40,923
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% 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 497,341 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% | 1.0% |
| 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% 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 6,713 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €1,900 | - | - | €82,717 | €360,039 | ▲ 335% |
| Goods, raw materials, services and sundry goods60/61 | €11,404 | €3,187 | €2,353 | €101,910 | €276,500 | ▲ 171% |
| Remuneration, social security and pensions62 | - | - | - | €40,923 | €67,587 | ▲ 65.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,021 | - | €3,534 | €5,824 | €9,871 | ▲ 69.5% |
| Other operating charges640/8 | €539 | - | - | €940 | €1,123 | ▲ 19.5% |
| Gross operating margin9900 | -€9,504 | -€3,187 | -€2,353 | -€12,039 | €180,335 | ▲ 1,598% |
| Operating profit (loss)9901 | -€13,063 | -€3,187 | -€5,887 | -€59,726 | €101,754 | ▲ 270% |
| Financial charges65/66B | €426 | - | €432 | €3,774 | €258 | ▼ 93.2% |
| Recurring financial charges65 | €426 | - | €432 | €3,774 | €258 | ▼ 93.2% |
| Profit (loss) for the period before taxes9903 | -€13,489 | -€3,187 | -€6,320 | -€63,500 | €101,496 | ▲ 260% |
| Income taxes67/77 | - | €131 | - | - | €3,717 | - |
| Profit (loss) for the period9904 | -€13,489 | -€3,318 | -€6,320 | -€63,500 | €97,779 | ▲ 254% |
| Profit (loss) for the period to be appropriated9905 | -€13,489 | -€3,318 | -€6,320 | -€63,500 | €97,779 | ▲ 254% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16,359 | €16,703 | €11,201 | €267,852 | €209,499 | ▼ 21.8% |
| Fixed assets21/28 | €14,650 | €14,650 | €11,116 | €73,148 | €63,277 | ▼ 13.5% |
| Tangible fixed assets22/27 | €14,650 | €14,650 | €11,116 | €54,648 | €44,777 | ▼ 18.1% |
| Plant, machinery and equipment23 | - | - | - | €29,105 | €22,606 | ▼ 22.3% |
| Furniture and vehicles24 | €14,650 | €14,650 | €11,116 | €25,543 | €22,171 | ▼ 13.2% |
| Financial fixed assets28 | - | - | - | €18,500 | €18,500 | = |
| Current assets29/58 | €1,709 | €2,053 | €86 | €194,704 | €146,222 | ▼ 24.9% |
| Stocks and contracts in progress3 | - | - | - | €88,456 | €81,883 | ▼ 7.4% |
| Stocks30/36 | - | - | - | €88,456 | €81,883 | ▼ 7.4% |
| Amounts receivable within one year40/41 | €289 | €618 | - | €28,983 | €49,469 | ▲ 70.7% |
| Trade receivables40 | - | - | - | - | €35,191 | - |
| Other amounts receivable41 | €289 | €618 | - | €28,983 | €14,278 | ▼ 50.7% |
| Cash at bank and in hand54/58 | €1,420 | €1,435 | €86 | €77,265 | €14,870 | ▼ 80.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16,359 | €16,703 | €11,201 | €267,852 | €209,499 | ▼ 21.8% |
| Equity10/15 | -€3,489 | -€6,808 | -€13,128 | -€76,628 | €21,151 | ▲ 128% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Outside capital11 | - | - | - | €10,000 | - | - |
| Other1109/19 | - | - | - | €10,000 | - | - |
| Profit (loss) carried forward14 | -€13,489 | -€16,808 | -€23,128 | -€86,628 | €11,151 | ▲ 113% |
| Amounts payable17/49 | €19,848 | €23,511 | €24,329 | €344,480 | €188,348 | ▼ 45.3% |
| Amounts payable after more than one year17 | €7,322 | €7,322 | €7,418 | €37,088 | €29,114 | ▼ 21.5% |
| Financial debts170/4 | €7,322 | €7,322 | €7,418 | €37,088 | €29,114 | ▼ 21.5% |
| Amounts payable within one year42/48 | €12,526 | €16,188 | €16,911 | €307,392 | €159,234 | ▼ 48.2% |
| Current portion of amounts payable after more than one year42 | €3,150 | €3,150 | - | - | - | - |
| Trade debts44 | €1,604 | €5,135 | €4,635 | €172,619 | €49,605 | ▼ 71.3% |
| Suppliers440/4 | €1,604 | €5,135 | €4,635 | €172,619 | €49,605 | ▼ 71.3% |
| Taxes, remuneration and social security45 | - | €131 | - | €17,929 | €25,855 | ▲ 44.2% |
| Taxes450/3 | - | €131 | - | €2,289 | €11,659 | ▲ 409% |
| Remuneration and social security454/9 | - | - | - | €15,640 | €14,196 | ▼ 9.2% |
| Other amounts payable47/48 | €7,772 | €7,772 | €12,275 | €116,844 | €83,774 | ▼ 28.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€13,489 | -€3,318 | -€6,320 | -€63,500 | €97,779 | ▲ 254% |
| + Depreciation and write-downs630 | €3,021 | - | €3,534 | €5,824 | €9,871 | ▲ 69.5% |
| Operating cash flow (approximation) | -€10,468 | -€3,318 | -€2,786 | -€57,676 | €107,650 | ▲ 287% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€67,856 | €0 | ▲ 100% |
| Change in cash | - | €16 | -€1,350 | €77,179 | -€62,395 | ▼ 181% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €97,779
Net result €97,779 after 4 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet -€63,500
Net result drops to -€63,500, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 242 days late
06-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 584 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Evergem · 2 establishment units since 2020
Ground area
6.8 ha
Building footprint
4,846 m²
Volume, LiDAR
9,331 m³
3 parcels, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
883 RETAIL
since 20202.309.153.492
Jacques de craene
since 20262.393.029.986
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44066D2599/00A000 | Flanders | 6.5 ha | 1 · 3,712 m² | - |
| 44452B1543/00M000 | Flanders | 2,890 m² | 1 · 1,060 m² | 10.7 m · 3 fl. |
| 44019A0555/00S005 | Flanders | 288 m² | 1 · 75 m² | 0.0 m |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLievegem2.393.029.986
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Of 1,306 companies in this sector we hold annual accounts for 810. 433 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded30-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46423Wholesale of clothing, excluding workwear and underwear
Contact
E-mail
zuber@zaboe.co.uk
E-mail
zuberzabou123@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757662941
Also
9925:BE0757662941
Registered
22-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.