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Armand Defraiteur

Active
Private limited companyfounded 1968active for 58 yearsRue du Brou 74, 4800 Verviers, BelgiumKBO/BCE: BE 0402.270.678
Summary

Armand Defraiteur has been active since 1968 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €838,742 and a net result of €188,256, of which €330,000 non-recurring income. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 84% of 460 sector peers (NACE 47, financial year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
Armand DefraiteurActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail trade
NACE 47712
1 site
Size
€1.0mtotal assets 2026
Staff
0.6 FTE
Equity
€838,742
Profit
€188,256
Turnover not published (micro format)
Financial health
97 Excellent Checked score 2026
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2026 accounts 157 days early5 deeds in the Belgian Official Gazette
Why 97raises riskSector: Retail trade (NACE 47)lowers riskFounded in 1968Size: total assets €1.0mEquity €838,742 (80.0% of total assets)Show the evidence

Checked score

Score 2026
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 80% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2025
Strong
Solvency 100+5
equity 80.0% of total assets
Liquidity 56-9
short-term debt 15.5% · cash 7.7%
Profitability 91+13
return on assets 18.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.6% (40,231 companies, NACE 47, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025lowest value 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025lowest value 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: 0.1%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 0.1%● unchanged vs 04-2026highest value 06-2026: 0.1%● unchanged vs 05-2026highest value 07-2026: 0.1%● unchanged vs 06-2026highest value 08-2026: 0.1%● unchanged vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value
Credit of up to €80,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.82, compared with 2.54 in 2025, above the usual 1.5; short-term debt: 15.5% and cash: 7.7% of total assets), and 20% 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 92% on solvency, 62% on liquidity, 86% on profitability and 79% on growth.

The bankruptcy probability was computed on 24-10-2026 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

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 1968
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Size: total assets €1.0m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €838,742 (80.0% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 27-03-2026, 157 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
157 days early
2025
156 days early
2024
142 days early
2023
148 days early
2022
141 days early
2021
133 days early
2020
145 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 146 days before 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 5 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
25-10-2026 today31-01-2027 year end31-08-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2026 · micro…
  2. Highest result from 2019 to 2026net €188,256 ▲169%
  3. Annual accounts filedfinancial year 2025 · micro…

Key points

  • Result rose in 2026mostly a one-off income of €330,000 ▲ 169% View
  • Positive: Among the best 5% on net resultsector median €7,797 · 459 companies €188,256 View
  • Positive: Filed on time since financial year 2019accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2026: €188,256, mostly one-off 8 years View
  • Active since 1968founded 01-01-1968 58 years View

By topic

Financials

Financial year
2026
Total assets
€1.0m
Profit
€188,256
Solvency
80.0%
Total assets▲ 12.0%
Net result
20192026
Go to Financials

Timeline

Events
49
Since
1978
Next accounts
by 31-08-2027
  1. 11-04-2024Annual accounts filed
  2. 05-04-2023Annual accounts filed
  3. 31-01-2023Equity above €500,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail tradeNACE 47712
Founded
01-01-1968
Year ends
31-01
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Armand Defraiteur

What is the company number of Armand Defraiteur?
0402.270.678. In Belgium the VAT number is the company number with BE in front: BE 0402.270.678.
Where is Armand Defraiteur based?
The registered office is at Rue du Brou 74, 4800 Verviers.Company details
What does Armand Defraiteur do?
According to the KBO register, the main activity is retail trade (NACE 47712).
What is the legal form of Armand Defraiteur?
Private limited company (BV).
When was Armand Defraiteur founded?
On 01-01-1968.
Is Armand Defraiteur still active?
Yes, Armand Defraiteur is an active enterprise in the KBO register.
How many employees does Armand Defraiteur have?
On average 0.6 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
What is the turnover of Armand Defraiteur?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Armand Defraiteur profitable?
In financial year 2026, Armand Defraiteur made a profit of €188,256.
Where can I find the annual accounts of Armand Defraiteur?
Armand Defraiteur filed 46 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of Armand Defraiteur due?
By 31-08-2027, for financial year 2027.Timeline

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