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AQIB FINANCIER

Active
Private limited companyfounded 2016active for 10 yearsHoogstraat 338, 1000 Brussel, BelgiumKBO/BCE: BE 0654.900.448

From the official registers: KBO 9 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

AQIB FINANCIER has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51,591 and a net result of -€13,541. Equity has been growing by about 23% per year since 2018. Its solvency ranks better than 44% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

KBO
Status
Active since 23-05-2016 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110and 3 others
Establishment units
3 establishment units
Financial year end
31 December
Peppol
Reachable since 01-05-2025

Board and ownership

Board

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Turnover
€1.6m
▲ 20.7%
Loss
€13,541
Equity
€51,591
▼ 18.4%
Total assets
€194,183
▲ 22.1%
Staff
3.3 FTE
▲ 57.1%
Filed on 30-07-2026, 1 day before the deadlineat the National Bank
Score breakdownraises riskLoss of €13,541 (financial year 2025)Sector: Retail trade (NACE 47)3 establishment unitslowers riskFounded in 2016Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 33% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 52-13
equity 26.6% of total assets
Liquidity 24-43
short-term debt 73.4% · cash 10.6%
Profitability 20-27
return on assets -7.0%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.7%▲ +0.1 percentage points vs 04-2025 06-2025: 0.6%▼ -0.1 percentage points vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 1.3%▲ +0.6 percentage points vs 07-2025highest value 09-2025: 0.5%▼ -0.8 percentage points vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025lowest value 12-2025: 0.5%● unchanged vs 11-2025lowest value 01-2026: 0.5%● unchanged vs 12-2025lowest value 02-2026: 0.5%● unchanged vs 01-2026lowest value 03-2026: 0.5%● unchanged vs 02-2026lowest value 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.6 percentage points vs 07-2026 09-2026: 1.1%● unchanged vs 08-2026 10-2026: 1.0%▼ -0.1 percentage points vs 09-2026
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.13 (1.36 in 2024), below the usual 1.5. Short-term debt is 73.4% and cash 10.6% of total assets. 73.4% 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, 21% on liquidity, 22% on profitability and 49% on growth.

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. 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 · Loss of €13,541 (financial year 2025)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Founded in 2016
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 3 establishment units
KBO · seat and establishments
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 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
1 day early
2024
21 days late
2023
146 days early
2022
21 days late
2021
30 days late
2020
45 days late
2019
103 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 10 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 next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (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
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 85% of companies in retail tradesector median €5,089 · 22,707 companies -€13,541 View

Comparable companies

These companies have the same main activity as AQIB FINANCIER: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €148,000 and €238,000, founded between 2015 and 2017.

CompanyTotal assetsGross margin
AQIB FINANCIER Brussel€194,183€167,752
ROZ Brussel€238,037€140,480
MH EXPRESS MARKET Sint-Gillis (bij-Brussel)€206,019€133,438
MUNDO LATINO Schaarbeek€153,909€208,240
FR Etterbeek€148,070€203,250
FN Kapellen€202,043€173,043
BEE ô VILLAGE SCRL Ittre€185,140€181,766
Full comparison

Documents

Annual accounts at the NBB

All 9 annual accounts

Articles and registers

Key facts about AQIB FINANCIER

What is the company number of AQIB FINANCIER?
The company number of AQIB FINANCIER is 0654.900.448. The VAT number is the same number with BE in front: BE 0654.900.448.
Where is AQIB FINANCIER based?
The registered office is at Hoogstraat 338, 1000 Brussel.Company details
What does AQIB FINANCIER do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of AQIB FINANCIER?
The legal form of AQIB FINANCIER is Private limited company (BV).
When was AQIB FINANCIER founded?
AQIB FINANCIER was founded on 23-05-2016.
Is AQIB FINANCIER still active?
Yes, AQIB FINANCIER is an active enterprise in the KBO register.
How many employees does AQIB FINANCIER have?
AQIB FINANCIER had an average of 3.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of AQIB FINANCIER?
The turnover of AQIB FINANCIER was €1.6m in financial year 2025, according to the filed annual accounts.
Is AQIB FINANCIER profitable?
In financial year 2025, AQIB FINANCIER made a loss of €13,541.
Where can I find the annual accounts of AQIB FINANCIER?
AQIB FINANCIER filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of AQIB FINANCIER due?
AQIB FINANCIER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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