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B.E.V.

Active
Private limited companyfounded 2022active for 4 yearsRue de Dampremy 10, 6000 Charleroi, BelgiumKBO/BCE: BE 0789.724.609
Summary

The computed 12-month bankruptcy probability of B.E.V. is 3.0% (moderate). The 2025 annual accounts show negative equity (-€132,062) and a net result of -€61,451. Equity is shrinking by about 68% per year across the filed financial years. Its solvency ranks better than 5% of 22,576 sector peers (NACE 47, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of women's outerwear
NACE 47711
1 site
Size
€86,157turnover 2025
Equity
-€132,062
Loss
-€61,451
Financial health
48 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.0%
Structure
2025 accounts filed 19 days late1 deed in the Belgian Official Gazette
Why 48raises riskNegative equity -€132,062Loss of €61,451, the second in a row (financial year 2025)Founded in 2022lowers riskSize: turnover €86,157, total assets €31,752Show the evidence

Checked score

Score 2025
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 6% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Weak
Solvency 0=
equity -415.9% of total assets
Liquidity 2-4
short-term debt 462.5% · cash 1.2%
Profitability 0=
return on assets -193.5%
Bankruptcy probability, 12 months
3.0% 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% (40,242 companies, NACE 47, micro)
Last 24 months 11-2024: 3.5% 12-2024: 3.3%▼ -0.2 percentage points vs 11-2024 01-2025: 3.3%● unchanged vs 12-2024 02-2025: 3.3%● unchanged vs 01-2025 03-2025: 3.1%▼ -0.2 percentage points vs 02-2025 04-2025: 3.2%▲ +0.1 percentage points vs 03-2025 05-2025: 3.7%▲ +0.5 percentage points vs 04-2025highest value 06-2025: 2.8%▼ -0.9 percentage points vs 05-2025 07-2025: 2.8%● unchanged vs 06-2025 08-2025: 2.8%● unchanged vs 07-2025 09-2025: 2.8%● unchanged vs 08-2025 10-2025: 2.7%▼ -0.1 percentage points vs 09-2025 11-2025: 2.7%● unchanged vs 10-2025 12-2025: 2.7%● unchanged vs 11-2025 01-2026: 2.7%● unchanged vs 12-2025 02-2026: 2.7%● unchanged vs 01-2026 03-2026: 2.7%● unchanged vs 02-2026 04-2026: 2.4%▼ -0.3 percentage points vs 03-2026lowest value 05-2026: 3.1%▲ +0.7 percentage points vs 04-2026 06-2026: 3.1%● unchanged vs 05-2026 07-2026: 3.1%● unchanged vs 06-2026 08-2026: 2.9%▼ -0.2 percentage points vs 07-2026 09-2026: 2.9%● unchanged vs 08-2026 10-2026: 3.0%▲ +0.1 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.03, compared with 0.46 in 2024, below 1; short-term debt: 462.5% and cash: 1.2% of total assets), and equity is negative.
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 6% on solvency, 4% on liquidity, 6% on profitability and 6% on growth.

The bankruptcy probability was computed on 25-10-2026 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 risk
lowers risk · Size: turnover €86,157, total assets €31,752
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Negative equity -€132,062
NBB · annual accounts
raises risk · Loss of €61,451, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Founded in 2022
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
232425
2023 to 2025 · latest year -€132,062
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-05-2026, 19 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 · 3 filings
Deviation from the deadline
2025
19 days late
2024
6 days late
2023
21 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 15 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 (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 19 May (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end26-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet -€61,451
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

2025 annual accounts filed late (19 days) Filed on 19 May 2026, deadline 30 April 2026 (7 months after the close on 30 September 2025, Companies Code art. 3:10). Source: NBB, 2026-00119131.

Turnover
€86,157
EBIT margin
-69.7%
Net result
-€61,451▼ 78.0%
2024 · -€34,530
Working capital
-€143,094▼ 84.3%
2024 · -€77,655
Trend over the years

2023 to 2025, 3 financial years

The operating result stays negative: a loss of €60,023 in 2025 against €32,331 in 2024; the loss grows and 2025 has the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result-€60,023 2025 Net result-€61,451 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line202320242025
Turnover€86,157
Operating result-€43,891--€32,331▲ 26.3%-€60,023▼ 85.7%
Net result-€46,080below the sector's middle half--€34,530below the sector's middle half▲ 25.1%-€61,451below the sector's middle half▼ 78.0%
EBIT margin-69.7%
Equity-€36,080below the sector's middle half--€70,610below the sector's middle half▼ 95.7%-€132,062below the sector's middle half▼ 87.0%
Total assets€93,542within the sector's middle half-€97,243within the sector's middle half▲ 4.0%€31,752below the sector's middle half▼ 67.3%
Debt€129,622-€167,853▲ 29.5%€163,813▼ 2.4%
Working capital-€39,557below the sector's middle half--€77,655below the sector's middle half▼ 96.3%-€143,094below the sector's middle half▼ 84.3%
Solvency-38.6%below the sector's middle half--72.6%below the sector's middle half▼ 34.0pp-415.9%below the sector's middle half▼ 343.3pp
Current ratio0.59below the sector's middle half-0.46below the sector's middle half▼ 0.140.03below the sector's middle half▼ 0.43
Return on assets (ROA)-49.3%below the sector's middle half--35.5%below the sector's middle half▲ 13.8pp-193.5%below the sector's middle half▼ 158.0pp
Staff (FTE)1.1
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,752
Fixed assets €28,000 ▼ 12.5%
Current assets €3,752 ▼ 94.2%
Equity and liabilities
Equity-€132,062
Debt€163,813
Equity is negative: debt (€163,813) exceeds the balance-sheet total (€31,752).
Key figures and ratios
2025 value · change against 2024
EBITDA
-€56,023▼
2024 · -€28,231
Cash flow
-€57,451▼
2024 · -€30,430
Quick ratio
0.01▼
2024 · 0.04
Interest coverage
-39.23▼
2024 · -11.76
Debt ≤ 1 year
€146,846▲
2024 · €142,898
Debt > 1 year
€16,968▼
2024 · €24,955
Income taxes
€0▼
2024 · €1
Staff costs
€27,597▼
2024 · €32,858
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,639 companies that looked in July 2024 the way this one looks now, 8.8% went bankrupt within 24 months and 84.8% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.8% went bankrupt
5.6% stopped otherwise
84.8% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.0% 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 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
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 74.5% 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 7,639 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€97,243€31,752▼
Fixed assets21/28€32,000€28,000▼
Intangible fixed assets21€32,000€28,000▼
Current assets29/58€65,243€3,752▼
Stocks and contracts in progress3€59,667€2,588▼
Stocks30/36€59,667€2,588▼
Cash at bank and in hand54/58€4,807€390▼
Deferred charges and accrued income490/1€769€773▲
Equity and liabilities
Total equity and liabilities10/49€97,243€31,752▼
Equity10/15-€70,610-€132,062▼
Contributions10/11€10,000€10,000=
Capital10€10,000€10,000=
Issued capital100€10,000€10,000=
Profit (loss) carried forward14-€80,610-€142,062▼
Amounts payable17/49€167,853€163,813▼
Amounts payable after more than one year17€24,955€16,968▼
Financial debts170/4€24,955€16,968▼
Amounts payable within one year42/48€142,898€146,846▲
Trade debts44€39,813€5,467▼
Suppliers440/4€39,813€5,467▼
Taxes, remuneration and social security45€11,995€6,294▼
Taxes450/3€8,656€5,543▼
Remuneration and social security454/9€3,338€751▼
Other amounts payable47/48€91,090€135,085▲
Income statement Code20242025
Turnover70-€86,157
Goods, raw materials, services and sundry goods60/61-€131,749
Remuneration, social security and pensions62€32,858€27,597▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,100€4,000▼
Other operating charges640/8€823€834▲
Gross operating margin9900€5,450-€27,592▼
Operating profit (loss)9901-€32,331-€60,023▼
Financial income75/76B€201€0▼
Recurring financial income75€201€0▼
Financial charges65/66B€2,400€1,428▼
Recurring financial charges65€2,400€1,428▼
Profit (loss) for the period before taxes9903-€34,530-€61,451▼
Income taxes67/77€1€0▼
Profit (loss) for the period9904-€34,530-€61,451▼
Profit (loss) for the period to be appropriated9905-€34,530-€61,451▼
Appropriation of the result
Profit (loss) to be appropriated9906-€80,610-€142,062▼
Profit (loss) brought forward from the previous period14P-€46,080-€80,610▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Turnover70--€86,157-
Goods, raw materials, services and sundry goods60/61--€131,749-
Remuneration, social security and pensions62€26,751€32,858€27,597▼ 16.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,055€4,100€4,000▼ 2.4%
Other operating charges640/8€490€823€834▲ 1.4%
Gross operating margin9900-€11,595€5,450-€27,592-
Operating profit (loss)9901-€43,891-€32,331-€60,023▼ 85.7%
Financial income75/76B€3€201€0▼ 100.0%
Recurring financial income75€3€201€0▼ 100.0%
Financial charges65/66B€2,192€2,400€1,428▼ 40.5%
Recurring financial charges65€2,192€2,400€1,428▼ 40.5%
Profit (loss) for the period before taxes9903-€46,080-€34,530-€61,451▼ 78.0%
Income taxes67/77€0€1€0▼ 98.3%
Profit (loss) for the period9904-€46,080-€34,530-€61,451▼ 78.0%
Profit (loss) for the period to be appropriated9905-€46,080-€34,530-€61,451▼ 78.0%
Line202320242025Change
Assets
Total assets20/58€93,542€97,243€31,752▼ 67.3%
Formation expenses20€100---
Fixed assets21/28€36,000€32,000€28,000▼ 12.5%
Intangible fixed assets21€36,000€32,000€28,000▼ 12.5%
Current assets29/58€57,442€65,243€3,752▼ 94.2%
Stocks and contracts in progress3€47,313€59,667€2,588▼ 95.7%
Stocks30/36€47,313€59,667€2,588▼ 95.7%
Cash at bank and in hand54/58€9,361€4,807€390▼ 91.9%
Deferred charges and accrued income490/1€769€769€773▲ 0.6%
Equity and liabilities
Total equity and liabilities10/49€93,542€97,243€31,752▼ 67.3%
Equity10/15-€36,080-€70,610-€132,062▼ 87.0%
Contributions10/11€10,000€10,000€10,000=
Capital10€10,000€10,000€10,000=
Issued capital100€10,000€10,000€10,000=
Profit (loss) carried forward14-€46,080-€80,610-€142,062▼ 76.2%
Amounts payable17/49€129,622€167,853€163,813▼ 2.4%
Amounts payable after more than one year17€32,623€24,955€16,968▼ 32.0%
Financial debts170/4€32,623€24,955€16,968▼ 32.0%
Amounts payable within one year42/48€96,999€142,898€146,846▲ 2.8%
Trade debts44€34,028€39,813€5,467▼ 86.3%
Suppliers440/4€34,028€39,813€5,467▼ 86.3%
Taxes, remuneration and social security45€4,971€11,995€6,294▼ 47.5%
Taxes450/3€2,147€8,656€5,543▼ 36.0%
Remuneration and social security454/9€2,824€3,338€751▼ 77.5%
Other amounts payable47/48€58,000€91,090€135,085▲ 48.3%
Line202320242025Change
Profit (loss) for the period9904-€46,080-€34,530-€61,451▼ 78.0%
+ Depreciation and write-downs630€5,055€4,100€4,000▼ 2.4%
Operating cash flow (approximation)-€41,025-€30,430-€57,451▼ 88.8%
Investment in fixed assets (approximation)--€100€0-
Change in cash--€4,554-€4,417▲ 3.0%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (3)
Financial year Type Filed Reference
30-09-2025 micro format 19-05-2026 2026-00119131
30-09-2024 micro format 06-05-2025 2025-00088939
30-09-2023 micro format 21-05-2024 2024-00095270

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 2,172 active companies whose main activity is retail sale of women's outerwear (NACE 47711), figures are known for 903. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 17 August 2022, B.E.V. was incorporated as a private limited company.1 Total assets went from €93,542 in 2023 to €31,752 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2023 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 30-04-2027
2026
19-05
NBB filing Annual accounts filed
financial year 2025 · micro format · 19 days late
2025
30-09
Financial Weakest financial yearnet -€61,451
Net result drops to -€61,451, the lowest in the series.
06-05
NBB filing Annual accounts filed
financial year 2024 · micro format · 6 days late
2024
21-05
NBB filing Annual accounts filed
financial year 2023 · micro format · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not 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.

Register details

Identification
Legal formPrivate limited company
Founded17-08-2022
Financial year end30-09
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
E-invoicing
Reachable via Peppol
Peppol ID 0208:0789724609
Also 9925:BE0789724609
Registered 16-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 26 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2022
registered office establishment The establishment unit on the map
Ground area
109 m²
Building footprint
73 m²
Building volume
769 m³
Parcel 52011C0172/00N000, Wallonia · tallest building 14.1 m. Linked by address, not a title deed.
1 establishment unit
B.E.V.
Rue de Dampremy 10, 6000 CharleroiRetail trade
since 2022unit no. 2.334.519.190
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
52011C0172/00N000 Wallonia 109 m² 1 · 73 m² 14.1 m · 4
How the parcels are linked
Good to know
The parcel matches the address exactly.