BARADI
ActiveSummary
BARADI has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €103,366 and a net result of €15,081. Equity is shrinking by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 28% of 164 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability41▼-26
Solvency36▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.92 against 1.39 in 2025; short-term debt: 72.4% and cash: 2.9% of total assets), and 88.9% of the assets are financed with debt.
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Signals
Six 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 2026Solvency, return and age of the figures
Solvency
11.1%
Return on assets
1.6%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 25-08-2026, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
67 d early
2025
153 d early
2024
on the day
2023
22 d late
2022
3 d late
2021
157 d late
2020
270 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 33 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15,081▼ 83.7%
2025 · €92,489
Working capital
-€55,590
2025 · €99,885
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
Line20222023202420252026
Operating result-€110,628€54,719-€88,983€1,701€29,576▲ 1,639%
Net result-€123,822below the sector's middle half▼ 1,445%€52,773within the sector's middle half-€92,450below the sector's middle half€92,489within the sector's middle half€15,081▼ 83.7%
Equity€32,749below the sector's middle half▼ 79.1%€85,522within the sector's middle half▲ 161%-€6,929below the sector's middle half€85,560within the sector's middle half€103,366▲ 20.8%
Total assets€464,939within the sector's middle half▼ 16.4%€569,894within the sector's middle half▲ 22.6%€475,919within the sector's middle half▼ 16.5%€359,700within the sector's middle half▼ 24.4%€927,941▲ 158%
Debt€432,190▲ 8.1%€484,372▲ 12.1%€482,848▼ 0.3%€274,140▼ 43.2%€824,575▲ 201%
Working capital€68,735▼ 68.6%€136,176▲ 98.1%€46,467▼ 65.9%€99,885▲ 115%-€55,590
Solvency7.0%below the sector's middle half▼ 21.1pp15.0%within the sector's middle half▲ 8.0pp-1.5%below the sector's middle half▼ 16.5pp23.8%within the sector's middle half▲ 25.2pp11.1%▼ 12.6pp
Staff (FTE)11.4within the sector's middle half▼ 14.9%11.4within the sector's middle half=10within the sector's middle half▼ 12.3%0
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.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 1,639% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €927,941
Fixed assets
€311,656 ▲ 14,539%
Current assets
€616,285 ▲ 72.4%
Equity and liabilities €927,941
Equity
€103,366 ▲ 20.8%
Debt
€824,575 ▲ 201%
Debt's share of the balance-sheet total rises from 76.2% to 88.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35,576▲
2025 · €10,574
Cash flow
€21,081▼
2025 · €101,362
Current ratio
0.92▼
2025 · 1.39
Quick ratio
0.49▼
2025 · 0.67
Debt to equity
7.98▲
2025 · 3.20
ROE
14.6%▼
2025 · 108.1%
ROA
1.6%▼
2025 · 25.7%
Interest coverage
2.45▲
2025 · 2.08
Debt ≤ 1 year
€671,875▲
2025 · €257,686
Debt > 1 year
€147,101▲
2025 · €16,454
Staff costs
€350,514▲
2025 · €337,265
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,653 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
0.9%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 4,653 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 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €9,394 | €18,618 | - | - | - |
| Remuneration, social security and pensions62 | €336,745 | €320,185 | €339,279 | €337,265 | €350,514 | ▲ 3.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,532 | €20,871 | €19,393 | €8,873 | €6,000 | ▼ 32.4% |
| Other operating charges640/8 | €25,019 | €7,091 | €14,048 | €34,716 | €13,367 | ▼ 61.5% |
| Non-recurring operating charges66A | - | €8,898 | €3,677 | - | - | - |
| Gross operating margin9900 | €273,669 | €411,765 | €287,415 | €382,555 | €399,457 | ▲ 4.4% |
| Operating profit (loss)9901 | -€110,628 | €54,719 | -€88,983 | €1,701 | €29,576 | ▲ 1,639% |
| Financial income75/76B | €2,727 | €75 | €10 | €95,456 | €22 | ▼ 100.0% |
| Recurring financial income75 | €2,254 | €75 | €10 | €95,456 | €22 | ▼ 100.0% |
| Non-recurring financial income76B | €473 | - | - | €95,456 | - | - |
| Financial charges65/66B | €15,789 | €1,887 | €3,066 | €5,079 | €14,517 | ▲ 186% |
| Recurring financial charges65 | €6,461 | €1,887 | €3,066 | €5,079 | €14,517 | ▲ 186% |
| Non-recurring financial charges66B | €9,328 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€123,689 | €52,907 | -€92,039 | €92,078 | €15,081 | ▼ 83.6% |
| Income taxes67/77 | €133 | €134 | €411 | -€411 | - | - |
| Profit (loss) for the period9904 | -€123,822 | €52,773 | -€92,450 | €92,489 | €15,081 | ▼ 83.7% |
| Profit (loss) for the period to be appropriated9905 | -€123,822 | €52,773 | -€92,450 | €92,489 | €15,081 | ▼ 83.7% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €464,939 | €569,894 | €475,919 | €359,700 | €927,941 | ▲ 158% |
| Fixed assets21/28 | €73,032 | €87,137 | €32,921 | €2,129 | €311,656 | ▲ 14,539% |
| Intangible fixed assets21 | - | - | - | - | €24,000 | - |
| Tangible fixed assets22/27 | €71,976 | €86,080 | €31,865 | - | €3,924 | - |
| Land and buildings22 | €63,754 | €81,130 | €28,861 | - | - | - |
| Plant, machinery and equipment23 | €5,832 | €4,198 | €2,564 | - | - | - |
| Furniture and vehicles24 | €1,231 | €203 | - | - | €3,924 | - |
| Other tangible fixed assets26 | €1,159 | €549 | €439 | - | - | - |
| Financial fixed assets28 | €1,056 | €1,056 | €1,056 | €2,129 | €283,732 | ▲ 13,227% |
| Current assets29/58 | €391,907 | €482,757 | €442,998 | €357,571 | €616,285 | ▲ 72.4% |
| Stocks and contracts in progress3 | €258,005 | €214,247 | €204,294 | €184,904 | €283,776 | ▲ 53.5% |
| Stocks30/36 | €258,005 | €214,247 | €204,294 | €184,904 | €283,776 | ▲ 53.5% |
| Amounts receivable within one year40/41 | €53,034 | €136,281 | €174,500 | €112,497 | €286,446 | ▲ 155% |
| Trade receivables40 | €46,297 | €134,175 | €172,176 | €103,105 | €285,376 | ▲ 177% |
| Other amounts receivable41 | €6,737 | €2,106 | €2,324 | €9,392 | €1,070 | ▼ 88.6% |
| Cash at bank and in hand54/58 | €74,898 | €127,485 | €59,658 | €60,170 | €26,464 | ▼ 56.0% |
| Deferred charges and accrued income490/1 | €5,970 | €4,744 | €4,547 | - | €19,599 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €464,939 | €569,894 | €475,919 | €359,700 | €927,941 | ▲ 158% |
| Equity10/15 | €32,749 | €85,522 | -€6,929 | €85,560 | €103,366 | ▲ 20.8% |
| Contributions10/11 | €108,584 | €108,584 | €108,584 | €108,584 | €108,584 | = |
| Capital10 | - | - | - | €108,584 | €108,584 | = |
| Issued capital100 | - | - | - | €108,584 | €108,584 | = |
| Reserves13 | €10,900 | €10,900 | €10,900 | €10,900 | €10,900 | = |
| Non-distributable reserves130/1 | €10,900 | €10,900 | - | - | €10,900 | - |
| Legal reserve130 | - | - | - | - | €10,900 | - |
| Reserves not available under the articles1311 | €10,900 | €10,900 | - | - | - | - |
| Distributable reserves133 | - | - | €10,900 | €10,900 | - | - |
| Profit (loss) carried forward14 | -€86,735 | -€33,962 | -€126,413 | -€33,924 | -€16,118 | ▲ 52.5% |
| Amounts payable17/49 | €432,190 | €484,372 | €482,848 | €274,140 | €824,575 | ▲ 201% |
| Amounts payable after more than one year17 | €108,996 | €137,791 | €86,308 | €16,454 | €147,101 | ▲ 794% |
| Financial debts170/4 | €22,222 | €15,555 | - | - | €147,101 | - |
| Other amounts payable178/9 | €86,775 | €122,236 | €86,308 | €16,454 | - | - |
| Amounts payable within one year42/48 | €323,172 | €346,581 | €396,532 | €257,686 | €671,875 | ▲ 161% |
| Current portion of amounts payable after more than one year42 | €6,667 | €6,667 | - | - | €22,426 | - |
| Financial debts43 | - | - | - | - | €250,000 | - |
| Credit institutions430/8 | - | - | - | - | €250,000 | - |
| Trade debts44 | €237,462 | €305,597 | €344,618 | €165,794 | €87,927 | ▼ 47.0% |
| Suppliers440/4 | €237,462 | €305,597 | €344,618 | €165,794 | €87,927 | ▼ 47.0% |
| Taxes, remuneration and social security45 | €79,042 | €34,317 | €51,913 | €91,892 | €98,953 | ▲ 7.7% |
| Taxes450/3 | €43,860 | €13,897 | €12,383 | €43,673 | €24,306 | ▼ 44.3% |
| Remuneration and social security454/9 | €35,183 | €20,420 | €39,530 | €48,219 | €74,647 | ▲ 54.8% |
| Other amounts payable47/48 | - | - | - | - | €212,569 | - |
| Accrued charges and deferred income492/3 | €22 | - | €8 | - | €5,599 | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€123,822 | €52,773 | -€92,450 | €92,489 | €15,081 | ▼ 83.7% |
| + Depreciation and write-downs630 | €22,532 | €20,871 | €19,393 | €8,873 | €6,000 | ▼ 32.4% |
| Operating cash flow (approximation) | -€101,290 | €73,644 | -€73,057 | €101,362 | €21,081 | ▼ 79.2% |
| Investment in fixed assets (approximation) | - | -€34,975 | €34,822 | €21,919 | -€315,527 | ▼ 1,540% |
| Change in cash | - | €52,587 | -€67,826 | €512 | -€33,706 | ▼ 6,687% |
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 2027, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-03
Financial
Equity above €100,000Eq €103,366 ▲20.8%
2 profitable years in a row build equity to €103,366.
2025
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €92,489
Net result €92,489 after one loss-making year.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
31-03
Financial
Back to profitnet €52,773
Net result €52,773 after 2 loss-making years.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 days late
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 157 days late
31-03
Financial
Weakest financial yearnet -€123,822
Net result drops to -€123,822, the lowest in the series; recovery starts the following year.
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 270 days late
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 36 days late
2018
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 51 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.
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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, Gembloux · 4 establishment units since 2001
Ground area
5.9 ha
Building footprint
1.3 ha
Volume, LiDAR
123,876 m³
4 parcels, Brussels, Flanders, Wallonia · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
4 establishment units
Rue Gustave-Masset 91, 5030 Gembloux
since 20012.036.870.633
Dame Nature Shopping
since 20192.283.692.180
Dame Nature Toison d'Or
since 20192.286.571.694
Weyn's Homing Dame Nature
since 20252.373.899.113
4 parcels
Flanders
1
(25%)
Wallonia
1
(25%)
Brussels
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0095/00M007 | Brussels | 5.2 ha | 1 · 1.2 ha | 17.1 m · 3 fl. |
| 21009A1025/00E000 ProtectedMonument · Site or landscapeGemeentehuis en zijn tuin - voormalig verblijf van Charles de Beriot en la MalibranSource ↗ |
Brussels | 6,989 m² | 1 · 864 m² | 20.2 m · 5 fl. |
| 44803C0243/00C000 | Flanders | 278 m² | 1 · 278 m² | 16.5 m · 5 fl. |
| 92053D0005/00E008 | Wallonia | 234 m² | 1 · 64 m² | - |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
4 sitesSite2.373.899.113
Elsene2.286.571.694
Gembloux2.036.870.633
Sint-Lambrechts-Woluwe2.283.692.180
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Be-versed
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Of 2,474 companies in sector 47279 we hold annual accounts for 949. 767 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-03-1988
Fiscal year end31-03
Activities, NACEBEL 2025
47279Other retail sale of food
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433754603
Also
9925:BE0433754603
Registered
21-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.