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BAERT CLASSIC

Active
Private limited company·Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)· 5 yrs active
Rue Georges Albert 71 ·4800 Verviers, Belgium
BE 0753.768.390
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BAERT CLASSIC is 2.6% (moderate). The 2025 annual accounts show equity of €2k and a net result of €-18k. Equity is shrinking by ~46.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 28% of 1385 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.6% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Trust signals

3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-18k
Working capital€-16k-28.9%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 03-06-2026 with the NBB · fiscal year 2025 · micro
€-20k€0€20kOperating result 2021: €26k€26kNet result 2021: €21k€21kOperating result 2023: €-19k€-19kNet result 2023: €-19k€-19kOperating result 2024: €3k€3kNet result 2024: €3k€3kOperating result 2025: €-18k€-18kNet result 2025: €-18k€-18k2021202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining At this pace, equity would indicatively turn negative around fiscal year 2026, assuming unchanged policy.
€-40k€-20k€0€20k€40k2026: €-5k (€-10k - €-747)2027: €-14k (€-21k - €-6k)2028: €-22k (€-32k - €-12k)2021: €38k2023: €17k2024: €19k2025: €2k2021202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 4.1% 23.4%
better than 28% of 1385 sector peers
Net result €-18k €8k
better than 11% of 1383 sector peers
Equity €2k €26k
better than 25% of 1386 sector peers
Gross operating margin €-3k €36k
better than 12% of 1380 sector peers
Total assets €37k €133k
better than 19% of 1386 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-3k
- far below sector median
Net profit
€-18k
- far below sector median
Cash flow
€-3k
- far below sector median
Total assets
€37k
-32.0% -98% vs sector
Equity
€2k
-92.0% -100% vs sector
Working capital
€-16k
-28.9% far below sector median
Income taxes
€5k
- +35% vs sector
Dividends
€3k
- 21-25
Debt
€36k
+0.5% -94% vs sector
Debt ≤ 1y
€36k
+0.5% -86% vs sector
Current ratio
0.56
-14.5% -93% vs sector
Quick ratio
0.54
-12.9% -92% vs sector
Solvency
4.1%
-88.2% -94% vs sector
Debt / equity
23.13
+1156.3% far above sector median
ROE
-1149.7%
- far below sector median
ROA
-47.7%
- far below sector median
Interest coverage
-26.39
- far below sector median
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€-3k
Net profit€-18k
Cash flow€-3k
Staff costs-
Income taxes-
Dividends-
Total assets€37k
Equity€2k
Debt€36k
of which ≤ 1y€36k
of which > 1y-
Working capital€-16k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.56
Quick ratio0.54
Working capital ratio-41.8%
Solvency4.1%
Debt / equity23.13
Long-term debt ratio-
Interest coverage-26.39
Gross margin-
Net margin-
ROA-47.7%
ROE-1149.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€37k
Fixed assets 21/28€17k
Formation expenses 20€0
Tangible fixed assets 22/27€17k
Current assets 29/58€20k
Stocks & contracts in progress 3€761
Amounts receivable within one year 40/41€206
Cash & bank 54/58€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€37k
Equity 10/15€2k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€-18k
Amounts payable 17/49€36k
Amounts payable within one year 42/48€36k
Trade debts payable within one year 44€359
Income statement
Gross operating margin 9900€-3k
Operating result 9901€-18k
Financial income 75€2
Financial charges 65€121
Result before taxes 9903€-18k
Net result for the period 9904€-18k
Result to be appropriated 9905€-18k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
2 / 100 Critical
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register

Establishment units

1 location
BAERT CLASSIC
Rue Georges Albert 71, 4800 VerviersVervaardiging van hang- en sluitwerk
since 20202.306.844.397
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,096 m²
Buildings1
Building footprint153 m²
Volume (LiDAR)752 m³
Tallest building8.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63576E0562/00B006 Wallonia 2,096 m² 1 · 153 m² 8.3 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.

Analysis

Snowflake analysis

financial profile on 5 axes
Health2Profitability0Solvency4Growth32Stability94
26 / 100

Fragile profile, watch profitability in particular.

Health 2
Profitability 0
Solvency 4
Growth 32
Stability 94

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in en onderhoud en reparatie van motorfietsen en delen en toebehoren van motorfietsen45402Detailhandel in motorrijwielen, delen en toebehoren van motorrijwielen47830
Primary activity highlighted.
Names & trade names
Legal nameFR BAERT CLASSIC
Registered office
Rue Georges Albert 71
4800 Verviers, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.