Active BE 0798.243.682Private limited companyOpen bankruptcy

ARMAAN

Stationsstraat 4/2 ·2910 Essen, Belgium· 3 yrs active

Sector: Non-specialised food retail (47110)

Conclusion Checked

A bankruptcy procedure is open for ARMAAN according to publications in the Belgian State Gazette. The 2024 annual accounts show equity of €21k and a net result of €7k.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€21k
Net result	€7k
Staff (FTE)	0.8
Better than sector	79%

Snowflake analysis 5 axes · computed by Checked

48 / 100

Mixed profile: strong on solvency, weaker on stability.

Health 35

Profitability 51

Solvency 87

Growth 68

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open — a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

50 / 100

High risk

Components

· Open bankruptcy (+50)

Trust signals 1 signals

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

35 / 100 Weak

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2024 · NACE 47 — Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	50.9%	18.9%	better than 79% of 1229 sector peers
Net result	€7k	€4k	better than 58% of 1220 sector peers
Equity	€21k	€14k	better than 58% of 1230 sector peers
Gross operating margin	€41k	€24k	better than 63% of 1213 sector peers
Staff costs	€24k	€32k	higher than 42% of 576 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€394k

+113.3% 23–24

EBITDA

€15k

-22.5% 23–24

Net profit

€7k

-42.6% 23–24

Cash flow

€12k

-26.6% 23–24

Total assets

€41k

+34.0% 23–24

Equity

€21k

+49.3% 23–24

Working capital

€13k

+984.2% 23–24

Employees (FTE)

1

+33.3% 23–24

Staff costs

€24k

+43.3% 23–24

Income taxes

€3k

-13.0% 23–24

Debt

€20k

+21.1% 23–24

Debt ≤ 1y

€20k

+21.1% 23–24

Current ratio

1.63

+52.4% 23–24

Quick ratio

1.40

+60.6% 23–24

Solvency

50.9%

+11.5% 23–24

Debt / equity

0.96

-18.9% 23–24

ROE

33.0%

-61.5% 23–24

ROA

16.8%

-57.1% 23–24

Net margin

1.8%

-73.1% 23–24

EBITDA margin

3.8%

-63.7% 23–24

Interest coverage

36.03

-76.6% 23–24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	€394k
EBITDA	€15k
Net profit	€7k
Cash flow	€12k
Staff costs	€24k
Income taxes	€3k
Dividends	—
Total assets	€41k
Equity	€21k
Debt	€20k
of which ≤ 1y	€20k
of which > 1y	—
Working capital	€13k
Employees (FTE)	0.8

Ratios (computed)

	2024
Current ratio	1.63
Quick ratio	1.40
Working capital ratio	31.0%
Solvency	50.9%
Debt / equity	0.96
Long-term debt ratio	—
Interest coverage	36.03
Gross margin	9.2%
Net margin	1.8%
ROA	16.8%
ROE	33.0%
EBITDA margin	3.8%
Days sales outstanding	19d
Days payable outstanding	8d
Inventory turnover	77.43
Days inventory (DSI)	5d

Balance-sheet composition 2024

Assets

Fixed assets €8k · 20.0% Current assets €33k · 80.0%

Equity & liabilities

Equity €21k · 50.9% Debt €20k · 49.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet — Assets
TOTAL ASSETS	20/58	€41k
Fixed assets	21/28	€8k
Tangible fixed assets	22/27	€6k
Financial fixed assets	28	€3k
Current assets	29/58	€33k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€20k
Cash & bank	54/58	€8k
Balance sheet — Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€41k
Equity	10/15	€21k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€19k
Amounts payable	17/49	€20k
Amounts payable within one year	42/48	€20k
Trade debts payable within one year	44	€8k
Income statement
Turnover	70	€394k
Gross operating margin	9900	€41k
Operating result	9901	€10k
Financial charges	65	€418
Result before taxes	9903	€10k
Income taxes	67/77	€3k
Net result for the period	9904	€7k
Result to be appropriated	9905	€7k

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Ratios computed by Checked.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	KATRIEN TEUGHELS COREMANSSTRAAT 14A, 2600 BERCHEM (ANTWERPEN) ↔ Also on 101 other cases	20-11-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Non-specialised food retail(47110)
Legal form	Private limited company(610)
Incorporation	08-02-2023
Status	Active
Postal code	2910
First BS signal	26-11-2025
Latest BS signal	26-11-2025

Company structure — linked entities1 linked entities

Mandates

↔ 1 of these mandate-holders are active on other cases — click any red card to open that KBO.

Establishment units 1 location

ARMAAN

Stationsstraat 4, 2910 EssenNiet-gespecialiseerde groothandel in niet-diepgevroren voedingsmiddelen, dranken en genotmiddelen

since 20232.343.653.820

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates — not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11016A0053/00L000	Flanders	187 m²	1 · 336 m²	11.0 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data — this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

26-11-2025

Bankruptcy Opening

Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · ARMAAN BV STATIONS- STRAAT 4/2, 2910 ESSEN · event 20-11-2025

29-09-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

27-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

Lifecycle & Insolvency Signals 1 events

26-11-2025

Bankruptcy Opening

Date: 20-11-2025 · Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · ARMAAN BV STATIONS- STRAAT 4/2, 2910 ESSEN · Publications in State Gazette ↗

Time machine — BS events + macro context 2021 — 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023–2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.

Company registry (CBE) Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112

Primary activity highlighted.

Names & trade names

Legal nameNL

ARMAAN

Registered office

Stationsstraat 4/2

2910 Essen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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