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B.S.D.

Active
Private limited companyfounded 1997active for 29 yearsChaussée Romaine 50, 7160 Chapelle-lez-Herlaimont, BelgiumKBO/BCE: BE 0459.710.714
Summary

B.S.D. has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,487 and a net result of -€3,046. Equity is shrinking by about 27% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2027. Its solvency ranks better than 39% of 22,536 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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B.S.D.ActiveChecked score 81/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of household textiles and bedding
NACE 47512Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
7th oldest company in Chapelle-lez-Herlaimont, Wholesale and retail trade sector3 sites
Size
€113,425total assets 2025
Staff
8.2 FTE
Equity
€23,487
Loss
-€3,046
Turnover not published (micro format)
Financial health
81 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
2025 accounts 8 days early1 of 2 deeds summarised
Why 81raises riskSector: Retail trade (NACE 47)Loss of €3,046 (financial year 2025)lowers riskFounded in 1997Size: total assets €113,425Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 30% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 46-25
equity 20.7% of total assets
Liquidity 29-31
short-term debt 79.3% · cash 18.1%
Profitability 65+16
return on assets -2.7%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,222 companies, NACE 47, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.2 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.5 percentage points vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.3 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.14, compared with 1.84 in 2024, below the usual 1.5; short-term debt: 79.3% and cash: 18.1% of total assets), and 79.3% 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 36% on solvency, 27% on liquidity, 46% on profitability and 10% on growth.

The bankruptcy probability was computed on 23-10-2026 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
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Founded in 1997
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Loss of €3,046 (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €113,425
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
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 23-07-2026, 8 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
8 days early
2024
29 days early
2023
30 days early
← 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 22 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet -€3,046
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: 7th oldest company in Chapelle-lez-Herlaimont, Wholesale and retail trade sectorin the Checked rankings No. 7 View
  • One director decidessole director in office 1 View
  • Active since 1997founded 07-01-1997 29 years View

By topic

Financials

Financial year
2025
Total assets
€113,425
Loss
-€3,046
Solvency
20.7%
Total assets▼ 9.1%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2023
Next accounts
by 31-07-2027
  1. 31-12-2024Highest result from 2023 to 2025
  2. 01-07-2024Annual accounts filed
  3. 28-12-2023Resignation: CARRIERO Sabrina (gérant actuel)
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Retail sale of household textiles and beddingNACE 47512
Founded
07-01-1997
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
24
Annual meeting
First Friday of June at 10:00
Purpose
“Le commerce de détail dans le secteur du textile et des chaussures; L’exploitation du…” (deed in French)
Go to Articles of association

Key facts about B.S.D.

What is the company number of B.S.D.?
0459.710.714. In Belgium the VAT number is the company number with BE in front: BE 0459.710.714.
Where is B.S.D. based?
The registered office is at Chaussée Romaine 50, 7160 Chapelle-lez-Herlaimont.Company details
What does B.S.D. do?
According to the KBO register, the main activity is retail sale of household textiles and bedding (NACE 47512).
What is the legal form of B.S.D.?
Private limited company (BV).
When was B.S.D. founded?
On 07-01-1997.
Is B.S.D. still active?
Yes, B.S.D. is an active enterprise in the KBO register.
How many employees does B.S.D. have?
On average 8.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of B.S.D.?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is B.S.D. profitable?
In financial year 2025, B.S.D. made a loss of €3,046.
Where can I find the annual accounts of B.S.D.?
B.S.D. filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of B.S.D. due?
By 31-07-2027, for financial year 2026.Timeline

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