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ACHAOUI & Co

Active
Private limited companyfounded 1995active for 30 yearsBroekstraat 86, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0456.217.526
Summary

The computed 12-month bankruptcy probability of ACHAOUI & Co is 2.6% (moderate). The 2024 annual accounts show equity of €1.2m and a net result of €24,820. Equity remains stable across the filed financial years (±1.5% per year). Its solvency ranks better than 45% of 6,487 sector peers (NACE 47, financial year 2024). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail trade
NACE 47530
2 sites
Size
€4.3mtotal assets 2024
Staff
3.1 FTE
Equity
€1.2m
Profit
€24,820
Financial health
51 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.6%
Structure
Accounts 73 days overdue0 of 2 deeds read
Why 51raises riskFigures for financial year 2024 (filed 03-10-2025)Liquidity: current ratio 1.24, cash €34,3451 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 latelowers riskFounded in 1995Show the evidence

Checked score

Score 2024
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 33% of its sector peers (NACE 47, micro)
Financial strength · tick = 2023
Weak
Solvency 53=
equity 28.3% of total assets
Liquidity 29-2
short-term debt 44.9% · cash 0.8%
Profitability 35+13
return on assets 0.6%
Bankruptcy probability, 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,192 companies, NACE 47, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025lowest value 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.5%▲ +0.1 percentage points vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 1.0%▲ +0.4 percentage points vs 07-2025 09-2025: 1.2%▲ +0.2 percentage points vs 08-2025 10-2025: 1.6%▲ +0.4 percentage points vs 09-2025 11-2025: 0.6%▼ -1.0 percentage point vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.7%▲ +0.1 percentage points vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.8%▲ +0.1 percentage points vs 05-2026 07-2026: 0.9%▲ +0.1 percentage points vs 06-2026 08-2026: 1.7%▲ +0.8 percentage points vs 07-2026 09-2026: 1.9%▲ +0.2 percentage points vs 08-2026 10-2026: 2.6%▲ +0.7 percentage points vs 09-2026highest value
Credit of up to €60,000 on 30-day terms, only on tighter conditions
Liquidity tight (current ratio 1.24, compared with 1.3 in 2023; short-term debt: 44.9% and cash: 0.8% of total assets), and 71.7% 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 44% on solvency, 26% on liquidity, 27% on profitability and 35% on growth.

The bankruptcy probability was computed on 12-10-2026 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

Six signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 03-10-2025)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.24, cash €34,345
NBB · annual accounts
lowers risk · Founded in 1995
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late
NBB · filings
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 73 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline12-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filings
Deviation from the deadline
2025
not filed
2024
60 days late
2023
63 days late
2022
83 days late
2021
17 days early
2020
46 days early
2019
59 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 34 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · full…
  2. Back to profitnet €24,820
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Positive: Back in profit in 2024after -€77,358 in 2023 €24,820 View
  • Caution: Accounts not fileddeadline was 31-07-2026 73 days late View
  • Positive: Among the best 20% on equitysector median €303,592 · 6,489 companies €1.2m View

By topic

Financials

Financial year
2024
Total assets
€4.3m
Profit
€24,820
Solvency
28.3%
Total assets▼ 1.6%
Net result
20182024
Go to Financials

Timeline

Events
29
Since
1999
  1. 31-12-2023Weakest financial year
  2. 22-10-2023Annual accounts filed
  3. 14-07-2022Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail tradeNACE 47530
Founded
13-10-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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