BECHIRI
ActiveSummary
BECHIRI has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €293,421 and a net result of €53,769. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 63% of 9636 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability74▼-5
Solvency75▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 1.67 against 1.65 in 2023; short-term debt: 48% and cash: 9.6% of total assets), but 50% of the assets are financed with debt.
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Signals
Four 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
44 d early
2022
13 d early
2021
31 d late
2020
32 d early
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 1 day before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€293,421▲ 4.5%
2023 · €280,878
Total assets
€587,181▲ 9.9%
2023 · €534,379
Net result
€53,769▲ 20.0%
2023 · €44,821
Working capital
€187,515▲ 17.8%
2023 · €159,192
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
Line20202021202220232024
Operating result€61,386▲ 41.8%€69,331▲ 12.9%€46,871▼ 32.4%€55,380▲ 18.2%€64,877▲ 17.1%
Net result€59,772within the sector's middle half▲ 76.9%€61,855within the sector's middle half▲ 3.5%€43,395within the sector's middle half▼ 29.8%€44,821within the sector's middle half▲ 3.3%€53,769within the sector's middle half▲ 20.0%
Equity€263,808within the sector's middle half▲ 1.9%€272,133within the sector's middle half▲ 3.2%€272,485within the sector's middle half▲ 0.1%€280,878within the sector's middle half▲ 3.1%€293,421within the sector's middle half▲ 4.5%
Total assets€508,567within the sector's middle half▲ 4.5%€537,784within the sector's middle half▲ 5.7%€542,130within the sector's middle half▲ 0.8%€534,379within the sector's middle half▼ 1.4%€587,181within the sector's middle half▲ 9.9%
Debt€244,759▲ 7.4%€265,651▲ 8.5%€269,645▲ 1.5%€253,501▼ 6.0%€293,760▲ 15.9%
Working capital€112,188within the sector's middle half▲ 16.3%€131,070within the sector's middle half▲ 16.8%€136,458within the sector's middle half▲ 4.1%€159,192within the sector's middle half▲ 16.7%€187,515within the sector's middle half▲ 17.8%
Solvency51.9%within the sector's middle half▼ 1.3pp50.6%within the sector's middle half▼ 1.3pp50.3%within the sector's middle half▼ 0.3pp52.6%within the sector's middle half▲ 2.3pp50.0%within the sector's middle half▼ 2.6pp
Current ratio1.47within the sector's middle half▲ 0.031.50within the sector's middle half▲ 0.041.52within the sector's middle half▲ 0.011.65within the sector's middle half▲ 0.131.67within the sector's middle half▲ 0.02
Return on assets (ROA)11.8%above the sector's middle half▲ 4.8pp11.5%within the sector's middle half▼ 0.3pp8.0%within the sector's middle half▼ 3.5pp8.4%within the sector's middle half▲ 0.4pp9.2%within the sector's middle half▲ 0.8pp
Staff (FTE)0.9below the sector's middle half=1.1below the sector's middle half▲ 22.2%1.3below the sector's middle half▲ 18.2%1.3below the sector's middle half=1.3below the sector's middle half=
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.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 17% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €587,181
Fixed assets
€117,736 ▼ 9.0%
Current assets
€469,445 ▲ 15.9%
Equity and liabilities €587,181
Equity
€293,421 ▲ 4.5%
Debt
€293,760 ▲ 15.9%
Debt's share of the balance-sheet total rises from 47.4% to 50.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€75,886▲
2023 · €68,857
Cash flow
€64,778▲
2023 · €58,298
Quick ratio
1.42▲
2023 · 1.40
Debt to equity
1.00▲
2023 · 0.90
ROE
18.3%▲
2023 · 16.0%
Interest coverage
5.28▼
2023 · 6.18
Debt ≤ 1 year
€281,930▲
2023 · €245,769
Income taxes
€11,566▲
2023 · €11,035
Staff costs
€78,156▲
2023 · €72,470
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,662 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% | 1.7% |
| 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 75% 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 31,349 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €3,455 | - |
| Remuneration, social security and pensions62 | - | €54,335 | €69,605 | €72,470 | €78,156 | ▲ 7.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,528 | €11,716 | €12,842 | €13,477 | €11,009 | ▼ 18.3% |
| Other operating charges640/8 | - | €2,964 | €3,010 | €3,287 | €3,417 | ▲ 3.9% |
| Gross operating margin9900 | €120,401 | €138,346 | €132,328 | €144,614 | €157,459 | ▲ 8.9% |
| Operating profit (loss)9901 | €61,386 | €69,331 | €46,871 | €55,380 | €64,877 | ▲ 17.1% |
| Financial income75/76B | - | €11,341 | €13,760 | €11,613 | €14,828 | ▲ 27.7% |
| Recurring financial income75 | €15,946 | €11,341 | €13,760 | €11,613 | €14,828 | ▲ 27.7% |
| Financial charges65/66B | - | €7,691 | €7,617 | €11,137 | €14,370 | ▲ 29.0% |
| Recurring financial charges65 | €7,352 | €7,691 | €7,617 | €11,137 | €14,370 | ▲ 29.0% |
| Profit (loss) for the period before taxes9903 | €69,981 | €72,981 | €53,015 | €55,856 | €65,335 | ▲ 17.0% |
| Income taxes67/77 | €10,209 | €11,126 | €9,620 | €11,035 | €11,566 | ▲ 4.8% |
| Profit (loss) for the period9904 | €59,772 | €61,855 | €43,395 | €44,821 | €53,769 | ▲ 20.0% |
| Profit (loss) for the period to be appropriated9905 | €59,772 | €61,855 | €43,395 | €44,821 | €53,769 | ▲ 20.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €508,567 | €537,784 | €542,130 | €534,379 | €587,181 | ▲ 9.9% |
| Fixed assets21/28 | €156,456 | €146,555 | €141,452 | €129,418 | €117,736 | ▼ 9.0% |
| Tangible fixed assets22/27 | €155,953 | €146,053 | €140,949 | €128,916 | €117,234 | ▼ 9.1% |
| Land and buildings22 | - | €144,258 | €133,049 | €121,840 | €111,968 | ▼ 8.1% |
| Plant, machinery and equipment23 | - | €968 | €707 | €454 | €217 | ▼ 52.2% |
| Furniture and vehicles24 | - | €827 | €7,194 | €6,621 | €5,048 | ▼ 23.8% |
| Financial fixed assets28 | €503 | €503 | €503 | €503 | €503 | = |
| Current assets29/58 | €352,111 | €391,228 | €400,678 | €404,960 | €469,445 | ▲ 15.9% |
| Stocks and contracts in progress3 | €65,446 | €71,357 | €68,340 | €61,854 | €68,301 | ▲ 10.4% |
| Stocks30/36 | - | €71,357 | €68,340 | €61,854 | €68,301 | ▲ 10.4% |
| Amounts receivable within one year40/41 | €221,609 | €274,781 | €309,159 | €323,306 | €341,800 | ▲ 5.7% |
| Trade receivables40 | - | €84,112 | €96,428 | €90,533 | €81,674 | ▼ 9.8% |
| Other amounts receivable41 | - | €190,669 | €212,731 | €232,772 | €260,125 | ▲ 11.8% |
| Current investments50/53 | €6,445 | €6,445 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €50,030 | €31,053 | €15,838 | €13,640 | €56,337 | ▲ 313% |
| Deferred charges and accrued income490/1 | - | €7,591 | €7,341 | €6,161 | €3,007 | ▼ 51.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €508,567 | €537,784 | €542,130 | €534,379 | €587,181 | ▲ 9.9% |
| Equity10/15 | €263,808 | €272,133 | €272,485 | €280,878 | €293,421 | ▲ 4.5% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €214,297 | €214,297 | €214,297 | €214,297 | €214,297 | = |
| Non-distributable reserves130/1 | - | €2,454 | €2,454 | €0 | - | - |
| Reserves not available under the articles1311 | - | €2,454 | €2,454 | €0 | - | - |
| Tax-exempt reserves132 | - | €461 | €461 | €461 | €461 | = |
| Distributable reserves133 | - | €211,381 | €211,381 | €213,836 | €213,836 | = |
| Profit (loss) carried forward14 | €30,919 | €39,245 | €39,596 | €47,989 | €60,533 | ▲ 26.1% |
| Amounts payable17/49 | €244,759 | €265,651 | €269,645 | €253,501 | €293,760 | ▲ 15.9% |
| Amounts payable within one year42/48 | €239,923 | €260,158 | €264,220 | €245,769 | €281,930 | ▲ 14.7% |
| Financial debts43 | - | €3,344 | €0 | €4,053 | €3,381 | ▼ 16.6% |
| Credit institutions430/8 | - | €3,344 | €0 | €4,053 | €3,381 | ▼ 16.6% |
| Trade debts44 | €37,708 | €58,667 | €71,728 | €58,548 | €75,775 | ▲ 29.4% |
| Suppliers440/4 | - | €58,667 | €71,728 | €58,548 | €75,775 | ▲ 29.4% |
| Taxes, remuneration and social security45 | - | €13,051 | €15,630 | €10,624 | €21,520 | ▲ 103% |
| Taxes450/3 | - | €2,390 | €2,848 | €1,046 | €6,193 | ▲ 492% |
| Remuneration and social security454/9 | - | €10,661 | €12,782 | €9,578 | €15,327 | ▲ 60.0% |
| Other amounts payable47/48 | - | €185,096 | €176,862 | €172,544 | €181,254 | ▲ 5.0% |
| Accrued charges and deferred income492/3 | - | €5,493 | €5,425 | €7,732 | €11,831 | ▲ 53.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €59,772 | €61,855 | €43,395 | €44,821 | €53,769 | ▲ 20.0% |
| + Depreciation and write-downs630 | €11,528 | €11,716 | €12,842 | €13,477 | €11,009 | ▼ 18.3% |
| Operating cash flow (approximation) | €71,300 | €73,571 | €56,237 | €58,298 | €64,778 | ▲ 11.1% |
| Investment in fixed assets (approximation) | - | -€1,815 | -€7,739 | -€1,443 | €673 | ▲ 147% |
| Change in cash | - | -€18,977 | -€15,215 | -€2,198 | €42,696 | ▲ 2,043% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €61,855 ▲3.5%
Operating result €69,331, net result €61,855, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €33,792 ▼23.3%
Net result drops to €33,792, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Bütgenbach · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Weywertz,Bahnhofstrasse 204750 Bütgenbach1 establishment unit
Weywertz,Bahnhofstrasse 20, 4750 Bütgenbach
since 19962.076.069.125
Recognitions · licences · registrations
Food safety, FASFC
1 siteBütgenbach/Butgenbach2.076.069.125
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APOTHEEK VICKY de CLIPPELE
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GREENDOCK
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Of 5,220 companies in sector 47730 we hold annual accounts for 3,862. 3,504 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
Founded05-01-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47750Retail sale of cosmetics and toilet articles
96230Day spas, saunas and steam baths
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457003127
Also
9925:BE0457003127
Registered
19-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.