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À BLOC

Active
Private limited company (pre-2019)founded 2018active for 8 yearsParkstraat 33, 8730 Beernem, BelgiumKBO/BCE: BE 0704.780.620
Summary

À BLOC has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166,891 and a net result of -€4,109. Equity has been growing by about 15% per year since 2019. Its solvency ranks better than 44% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Official details

Source: KBO
Status
Active since 19-09-2018 Normal situation
Activity
Retail sale of bicycles NACE 47632
Establishment unit
2.280.089.720 8730 Beernem, since 19-09-2018
Financial year end
30 September
Peppol
Reachable since 26-03-2024

Board and ownership

Board
  • Van De Keere TomDirector · since 19-09-2018

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Annual accounts to 30-09-2025
Gross margin
€48,936
▼ 14.2%
Turnover
≈ €450,000
estimated
Loss
€4,109
▲ 28.8%
Equity
€166,891
▼ 2.4%
Total assets
€625,183
▼ 12.5%
Filed on 31-03-2026, 30 days before the deadline
Score breakdownraises riskLiquidity: current ratio 2.41, cash €1,919, halvedSector: Retail trade (NACE 47)Founded in 2018lowers riskSize: total assets €625,183Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 38% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 52+3
equity 26.7% of total assets
Liquidity 43-1
short-term debt 21.1% · cash 0.3%
Profitability 44+4
return on assets -0.7%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 1.1% 01-2025: 1.2%▲ +0.1 percentage points vs 12-2024 02-2025: 1.3%▲ +0.1 percentage points vs 01-2025 03-2025: 1.4%▲ +0.1 percentage points vs 02-2025 04-2025: 1.4%● unchanged vs 03-2025highest value 05-2025: 0.5%▼ -0.9 percentage points vs 04-2025lowest value 06-2025: 0.5%● unchanged vs 05-2025lowest value 07-2025: 0.5%● unchanged vs 06-2025lowest value 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.6%▲ +0.1 percentage points vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.9%▲ +0.3 percentage points vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.8%▼ -0.1 percentage points vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.7%▼ -0.1 percentage points vs 09-2026 11-2026: 0.7%● unchanged vs 10-2026
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.41 (2.25 in 2024), above the usual 1.5. Short-term debt is 21.1% and cash 0.3% of total assets. However, 73.3% of the assets are financed with debt and provisions.
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 47, micro). It does better than 42% of them on solvency, 42% on liquidity, 32% on profitability and 34% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 2.41, cash €1,919, halved
NBB · annual accounts
lowers risk · Size: total assets €625,183
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Founded in 2018
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
30 days early
2024
6 days early
2023
32 days early
2022
2 days early
2021
146 days late
2020
284 days late
2019
34 days late
← 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 56 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 24 April (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end02-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 81% of companies in retail tradesector median €41,216 · 22,767 companies €166,891 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€4,109 View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Incorporation
All 12 events

Comparable companies

These companies have the same main activity as À BLOC: retail sale of bicycles (NACE 47632). They are comparable in size and age: total assets between €447,000 and €876,000, founded between 2017 and 2021.

CompanyTotal assetsGross margin
À BLOC Beernem€625,183€48,936
RVNL Koksijde€623,798€61,380
FIETSEN SOUVEREYNS Riemst€610,552€72,758
Atom 6 Cycling Roeselare€447,066€43,564
amici di bici Antwerpen€875,627€60,217
Velocratie Rotselaar€677,244€78,124
B-BIKES Herentals€698,688€29,238
Full comparison

Key facts about À BLOC

What is the company number of À BLOC?
The company number of À BLOC is 0704.780.620. The VAT number is the same number with BE in front: BE 0704.780.620.
Where is À BLOC based?
The registered office is at Parkstraat 33, 8730 Beernem.Company details
What does À BLOC do?
According to the KBO register, the main activity is retail sale of bicycles (NACE 47632).
What is the legal form of À BLOC?
The legal form of À BLOC is Private limited company (pre-2019) (BVBA).
When was À BLOC founded?
À BLOC was founded on 19-09-2018.
Is À BLOC still active?
Yes, À BLOC is an active enterprise in the KBO register.
What is the turnover of À BLOC?
The turnover in financial year 2025 is ≈ €450,000. This figure is estimated from the gross margin of €48,936 and 368 comparable companies (NACE 47). It probably lies between €260,000 and €760,000.Financials
Is À BLOC profitable?
In financial year 2025, À BLOC made a loss of €4,109.
Where can I find the annual accounts of À BLOC?
À BLOC filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of À BLOC due?
À BLOC must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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