Equity
€8,662 ▲ 15.5%
BAL has made a profit in every financial year since 2020.
BAL
Lifetime
6 annual accounts with figures on one time axispeak €22,078 (2021)
€16,166▲ 753%
peak €2,652 (2020)
€1,162▲ 16.2%
peak €8,662 (2025)
€8,662▲ 15.5%
€295,674▲ 40.6%
Board2 names since 2020
1 directorASLAM Umair
Documentsfilings and deeds
22-10-202683 days late
2025micro format
Gross margin from €1,896 to €16,166Resignation: ASLAM Umair (director) 30-06Equity from €7,500 to €8,662Debts from €210,294 to €295,674Cash from €4,517 to €2,783
Key points
from the 2025 annual accountsTurnover
≈ €480,000 estimated
The micro format states no turnover.
Debts
€295,674 97% of the balance sheet
Suppliers 97%Taxes and wages 0%Other 2%
Investments
€9,380 15.9 × depreciation
Green is investment, beige is depreciation.
Filings
6 annual accounts 83 days
Latest accounts filed late: after the legal deadline.
Starting capital
€1,200 100 shares
Checked score
49
Fair
Financially stronger than 30% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.1%
01-2025: 2.1%● unchanged vs 12-2024lowest value
02-2025: 2.2%▲ +0.1 percentage points vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.3%▲ +0.1 percentage points vs 03-2025
05-2025: 2.4%▲ +0.1 percentage points vs 04-2025
06-2025: 2.5%▲ +0.1 percentage points vs 05-2025
07-2025: 2.4%▼ -0.1 percentage points vs 06-2025
08-2025: 2.8%▲ +0.4 percentage points vs 07-2025
09-2025: 2.9%▲ +0.1 percentage points vs 08-2025
10-2025: 3.2%▲ +0.3 percentage points vs 09-2025
11-2025: 3.2%● unchanged vs 10-2025
12-2025: 3.2%● unchanged vs 11-2025
01-2026: 3.1%▼ -0.1 percentage points vs 12-2025
02-2026: 3.1%● unchanged vs 01-2026
03-2026: 3.1%● unchanged vs 02-2026
04-2026: 3.1%● unchanged vs 03-2026
05-2026: 2.8%▼ -0.3 percentage points vs 04-2026
06-2026: 2.7%▼ -0.1 percentage points vs 05-2026
07-2026: 2.7%● unchanged vs 06-2026
08-2026: 3.4%▲ +0.7 percentage points vs 07-2026
09-2026: 3.5%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 3.5%● unchanged vs 09-2026
11-2026: 3.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 83 days late; 2 of the last 3 accounts late
Sector: Retail trade (NACE 47)
Founded in 2020
Liquidity: current ratio 1.00, cash €2,783
Calculation
The band follows from the bankruptcy probability. 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). It does better than 21% of them on solvency, 3% on liquidity, 27% on profitability and 68% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,251 companies had the same profile as BAL has now. Each dot stands for 4 companies, two years later.
94.4%
were still trading
2.7%
stopped another way
2.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BAL itself is higher: 3.5% within 12 months. It rests on far more data about BAL than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,251 companies, not a prediction for BAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 22939 sector peers (2025).
NBB · sector comparisonPosition among 22939 sector peers
Solvency
better than 24%
← weakest
strongest →
raises risk · 2025 accounts filed 83 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-10-2026, 83 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 · 6 filingsDeviation from the deadline
2025
83 days late
2024
29 days late
2023
40 days late
2022
32 days late
2021
92 days late
2020
9 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 48 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was 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 10 September (4 of the last 5 accounts filed within 42 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0742622595
Resignation: ASLAM Umair (director)
Appointment: SINGH Chanchal (director) · SINGH Chanchal holds 100 shares (100%) · General meeting of 21-01-2025 · Gazette deed
First establishment
Houba de Strooperlaan 1A, Brussels
Incorporation
Founding capital of €1,200, 100 shares · Founder: ASLAM Umair · Appointment: ASLAM Umair (director) · published on 30-01-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BAL Brussels | €304,336 | €16,166 | 2.8% | - |
| POTTAL PLUS Anderlecht | €226,310 | €16,198 | 7.1% | - |
| NS&GO Brussels | €183,790 | €14,393 | 16.4% | - |
| JOS INVEST Saint-Josse-ten-Noode | €255,379 | €28,217 | 49.0% | - |
| AMMEXO Aubange | €282,494 | €24,050 | 5.6% | - |
| ASK SACHDEVA Liège | €298,122 | €24,639 | 51.1% | - |
| Q & S PROJECTS Sint-Truiden | €237,829 | €23,063 | 40.5% | - |
These companies have the same main activity as BAL: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €184,000 and €298,000, founded between 2018 and 2021.
Official details
Source: KBO- Status
- Active since 28-01-2020Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110and 1 other
- Establishment unit
- 2.298.700.4561020 Brussels, since 15-02-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 11-02-2026
Insights on BAL
BAL files the micro format. That format states no turnover. The gross margin rose from €5,148 in 2020 to €16,166 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BAL
- What is the company number of BAL?
- The company number of BAL is 0742.622.595. The VAT number is the same number with BE in front: BE 0742.622.595.
- Where is BAL based?
- The registered office is at Emile Wautersstraat 6, 1020 Brussels.Company details
- What does BAL do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of BAL?
- BAL is a private limited company (BV).
- When was BAL founded?
- BAL was founded on 28-01-2020.
- Is BAL still active?
- Yes, BAL is an active enterprise in the KBO register.
- What is the turnover of BAL?
- The turnover in financial year 2025 is ≈ €480,000. This figure is estimated from the gross margin of €16,166 and 301 comparable companies (NACE 47110). It probably lies between €240,000 and €840,000. It is a rough estimate.Financials
- Is BAL profitable?
- In financial year 2025, BAL made a profit of €1,162.
- Where can I find the annual accounts of BAL?
- BAL filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BAL due?
- BAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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