ASSEDI
ActiveSummary
ASSEDI has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €519,131 and a net result of €140,739. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+6
Solvency60▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity short (current ratio 0.95 against 0.77 in 2024; short-term debt: 35.9% and cash: 15.7% of total assets), and 64.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.1%
Return on assets
9.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
17 d late
2022
25 d late
2021
121 d late
2020
30 d late
2019
91 d late
← 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 49 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€519,131▲ 37.2%
2024 · €378,393
Total assets
€1.5m▼ 15.3%
2024 · €1.7m
Net result
€140,739▲ 64.9%
2024 · €85,348
Working capital
-€25,658▲ 86.0%
2024 · -€183,866
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€83,456▼ 23.6%-€46,325€113,275€140,467▲ 24.0%€214,541▲ 52.7%
Net result€24,547within the sector's middle half▼ 50.7%-€77,696below the sector's middle half€72,189within the sector's middle half€85,348within the sector's middle half▲ 18.2%€140,739above the sector's middle half▲ 64.9%
Equity€298,552within the sector's middle half▲ 9.0%€220,856within the sector's middle half▼ 26.0%€293,045within the sector's middle half▲ 32.7%€378,393within the sector's middle half▲ 29.1%€519,131within the sector's middle half▲ 37.2%
Total assets€1.8mabove the sector's middle half▲ 16.2%€1.6mwithin the sector's middle half▼ 9.7%€1.7mwithin the sector's middle half▲ 3.2%€1.7mwithin the sector's middle half▲ 2.8%€1.5mwithin the sector's middle half▼ 15.3%
Debt€1.5m▲ 17.8%€1.4m▼ 6.5%€1.4m▼ 1.3%€1.4m▼ 2.6%€959,800▼ 29.8%
Working capital-€169,065below the sector's middle half▼ 68.5%-€233,275below the sector's middle half▼ 38.0%-€199,996below the sector's middle half▲ 14.3%-€183,866below the sector's middle half▲ 8.1%-€25,658below the sector's middle half▲ 86.0%
Solvency16.4%below the sector's middle half▼ 1.1pp13.4%below the sector's middle half▼ 3.0pp17.3%below the sector's middle half▲ 3.8pp21.7%within the sector's middle half▲ 4.4pp35.1%within the sector's middle half▲ 13.4pp
Current ratio0.73below the sector's middle half▼ 0.140.63below the sector's middle half▼ 0.090.72below the sector's middle half▲ 0.080.77below the sector's middle half▲ 0.050.95below the sector's middle half▲ 0.18
Return on assets (ROA)1.3%within the sector's middle half▼ 1.8pp-4.7%below the sector's middle half▼ 6.1pp4.3%within the sector's middle half▲ 9.0pp4.9%within the sector's middle half▲ 0.6pp9.5%within the sector's middle half▲ 4.6pp
Staff (FTE)11.8above the sector's middle half▲ 15.7%13above the sector's middle half▲ 10.2%13above the sector's middle half=12above the sector's middle half▼ 7.7%13above the sector's middle half▲ 8.3%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€974,300 ▼ 13.6%
Current assets
€504,631 ▼ 18.5%
Equity and liabilities €1.5m
Equity
€519,131 ▲ 37.2%
Debt
€959,800 ▼ 29.8%
Debt's share of the balance-sheet total falls from 78.3% to 64.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€356,470▲
2024 · €284,902
Cash flow
€282,667▲
2024 · €229,782
Quick ratio
0.56▲
2024 · 0.54
Debt to equity
1.85▼
2024 · 3.62
ROE
27.1%▲
2024 · 22.6%
Interest coverage
8.59▲
2024 · 7.02
Debt ≤ 1 year
€530,289▼
2024 · €803,239
Debt > 1 year
€429,511▼
2024 · €564,961
Income taxes
€33,777▲
2024 · €15,207
Staff costs
€487,766▲
2024 · €473,702
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €338,555 | €395,884 | €401,775 | €473,702 | €487,766 | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €138,491 | €144,289 | €141,491 | €144,435 | €141,929 | ▼ 1.7% |
| Other operating charges640/8 | €16,459 | €27,637 | €19,940 | €14,729 | €10,929 | ▼ 25.8% |
| Gross operating margin9900 | €576,961 | €521,485 | €676,480 | €773,332 | €855,165 | ▲ 10.6% |
| Operating profit (loss)9901 | €83,456 | -€46,325 | €113,275 | €140,467 | €214,541 | ▲ 52.7% |
| Financial income75/76B | €137 | €302 | €55 | €692 | €1,476 | ▲ 113% |
| Recurring financial income75 | €137 | €302 | €55 | €692 | €1,476 | ▲ 113% |
| Financial charges65/66B | €36,570 | €39,532 | €48,625 | €40,604 | €41,502 | ▲ 2.2% |
| Recurring financial charges65 | €36,570 | €39,532 | €48,625 | €40,604 | €41,502 | ▲ 2.2% |
| Profit (loss) for the period before taxes9903 | €47,023 | -€85,556 | €64,704 | €100,554 | €174,516 | ▲ 73.6% |
| Income taxes67/77 | €22,476 | -€7,860 | -€7,485 | €15,207 | €33,777 | ▲ 122% |
| Profit (loss) for the period9904 | €24,547 | -€77,696 | €72,189 | €85,348 | €140,739 | ▲ 64.9% |
| Profit (loss) for the period to be appropriated9905 | €24,547 | -€77,696 | €72,189 | €85,348 | €140,739 | ▲ 64.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €1.6m | €1.7m | €1.7m | €1.5m | ▼ 15.3% |
| Fixed assets21/28 | €1.4m | €1.2m | €1.2m | €1.1m | €974,300 | ▼ 13.6% |
| Tangible fixed assets22/27 | €1.4m | €1.2m | €1.2m | €1.1m | €973,286 | ▼ 13.6% |
| Land and buildings22 | €562,761 | €539,607 | €519,303 | €496,551 | €473,799 | ▼ 4.6% |
| Plant, machinery and equipment23 | €405,853 | €330,710 | €297,128 | €236,461 | €179,894 | ▼ 23.9% |
| Furniture and vehicles24 | €7,026 | €4,430 | €3,513 | €60,709 | €27,725 | ▼ 54.3% |
| Other tangible fixed assets26 | €395,879 | €363,916 | €368,474 | €332,483 | €291,868 | ▼ 12.2% |
| Financial fixed assets28 | €1,014 | €1,014 | €1,014 | €1,014 | €1,014 | = |
| Current assets29/58 | €449,520 | €405,745 | €509,008 | €619,373 | €504,631 | ▼ 18.5% |
| Stocks and contracts in progress3 | €279,355 | €281,468 | €291,065 | €189,615 | €209,276 | ▲ 10.4% |
| Stocks30/36 | €279,355 | €281,468 | €291,065 | €189,615 | €209,276 | ▲ 10.4% |
| Amounts receivable within one year40/41 | €28,215 | €16,531 | €23,899 | €20,908 | €16,878 | ▼ 19.3% |
| Trade receivables40 | - | €263 | - | €4,985 | €5,666 | ▲ 13.7% |
| Other amounts receivable41 | €28,215 | €16,268 | €23,899 | €15,923 | €11,212 | ▼ 29.6% |
| Current investments50/53 | €14,634 | €30,753 | €11,707 | €29,268 | €46,829 | ▲ 60.0% |
| Cash at bank and in hand54/58 | €124,134 | €76,993 | €182,337 | €379,582 | €231,648 | ▼ 39.0% |
| Deferred charges and accrued income490/1 | €3,183 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €1.6m | €1.7m | €1.7m | €1.5m | ▼ 15.3% |
| Equity10/15 | €298,552 | €220,856 | €293,045 | €378,393 | €519,131 | ▲ 37.2% |
| Contributions10/11 | €161,973 | €161,973 | €161,973 | €161,973 | €161,973 | = |
| Capital10 | €161,973 | €161,973 | €161,973 | - | - | - |
| Issued capital100 | €161,973 | €161,973 | €161,973 | - | - | - |
| Reserves13 | €117,996 | €117,996 | €117,996 | €117,996 | €117,996 | = |
| Non-distributable reserves130/1 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Legal reserve130 | €6,197 | €6,197 | €6,197 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €6,197 | €6,197 | = |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Distributable reserves133 | €93,048 | €93,048 | €93,048 | €93,048 | €93,048 | = |
| Profit (loss) carried forward14 | €18,583 | -€59,113 | €13,076 | €98,424 | €239,162 | ▲ 143% |
| Amounts payable17/49 | €1.5m | €1.4m | €1.4m | €1.4m | €959,800 | ▼ 29.8% |
| Amounts payable after more than one year17 | €904,916 | €785,546 | €696,391 | €564,961 | €429,511 | ▼ 24.0% |
| Financial debts170/4 | €904,916 | €785,546 | €696,391 | €564,961 | €429,511 | ▼ 24.0% |
| Amounts payable within one year42/48 | €618,585 | €639,020 | €709,005 | €803,239 | €530,289 | ▼ 34.0% |
| Current portion of amounts payable after more than one year42 | €118,533 | €119,778 | €128,811 | €130,872 | €141,203 | ▲ 7.9% |
| Financial debts43 | €10,000 | - | - | - | - | - |
| Credit institutions430/8 | €10,000 | - | - | - | - | - |
| Trade debts44 | €261,910 | €238,892 | €363,602 | €468,047 | €273,530 | ▼ 41.6% |
| Suppliers440/4 | €261,910 | €238,892 | €363,602 | €468,047 | €273,530 | ▼ 41.6% |
| Taxes, remuneration and social security45 | €134,147 | €179,412 | €108,036 | €100,331 | €80,452 | ▼ 19.8% |
| Taxes450/3 | €12,327 | €7,523 | €9,500 | €7,421 | €13,232 | ▲ 78.3% |
| Remuneration and social security454/9 | €121,820 | €171,889 | €98,536 | €92,910 | €67,220 | ▼ 27.7% |
| Other amounts payable47/48 | €93,996 | €100,938 | €108,555 | €103,988 | €35,104 | ▼ 66.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,547 | -€77,696 | €72,189 | €85,348 | €140,739 | ▲ 64.9% |
| + Depreciation and write-downs630 | €138,491 | €144,289 | €141,491 | €144,435 | €141,929 | ▼ 1.7% |
| Operating cash flow (approximation) | €163,038 | €66,593 | €213,680 | €229,782 | €282,667 | ▲ 23.0% |
| Investment in fixed assets (approximation) | - | -€11,433 | -€91,246 | -€82,221 | €10,990 | ▲ 113% |
| Change in cash | - | -€47,141 | €105,345 | €197,245 | -€147,933 | ▼ 175% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Highest result since 2018net €140,739 ▲64.9%
Operating result €214,541, net result €140,739, both a record.
31-12
Financial
Equity above €500,000Eq €519,131 ▲37.2%
3 profitable years in a row build equity to €519,131.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
17-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 17 days late
2023
31-12
Financial
Back to profitnet €72,189
Net result €72,189 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet -€77,696
Net result drops to -€77,696, the lowest in the series; recovery starts the following year.
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 121 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Asse · 1 establishment unit since 2003
Ground area
6,323 m²
Building footprint
1,636 m²
Volume, LiDAR
3,761 m³
Parcel 23002K0242/00M000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
23
companies at this address
See who is registered here
1 establishment unit
SPAR
since 20032.133.379.693
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002K0242/00M000 | Flanders | 6,323 m² | 1 · 1,636 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAsse2.133.379.693
Dual-learning approval
2 live approvals · 6 endedWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 6 ended approvals
Aanvuller (so)
Kassier (so)
Medewerker slagerij (vwo)
Medewerker slagerij duaal (so)
Slager (so)
Slagerij duaal (so)
Similar companies · same sector, comparable size
VAN VOOREN - D'HOEDT
BE 0428.932.119
Gent · Eq €519,067
GB GENTBRUGGE
BE 0419.394.346
Gent · Eq €519,426
KdVRetail
BE 0688.871.927
Hasselt · Eq €518,600
MERCASANA
BE 0778.306.026
Oudenaarde · Eq €518,191
BOPADIS
BE 0735.451.624
Gouvy · Eq €520,595
Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 3,094 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-01-1993
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-mail
sparasse@hotmail.com
Phone
02/4525402
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449294496
Also
9925:BE0449294496
Registered
06-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.