Equity
€127,777 ▼ 28.6%
BEDECOUVERTE paid out €53,400 in dividends. That is 2,426% of the 2025 profit.
BEDECOUVERTE
Lifetime
15 annual accounts with figures on one time axispeak €202,267 (2020)
€108,874▼ 28.2%
lowest -€4,527 (2011)
€2,201▼ 82.9%
peak €178,976 (2024)
€127,777▼ 28.6%
€254,107▼ 7.0%
peak 2.2 FTE (2019)
-not published
Board1 name since 2011
1 directorMichiels Yves
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €151,568 to €108,874Result from €12,871 to €2,201Dividend €53,400Equity from €178,976 to €127,777Cash from €66,010 to €28,076
Key points
from the 2025 annual accountsChecked score
82
Excellent
Financially stronger than 37% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
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 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.0%▲ +0.3 percentage points vs 07-2025
09-2025: 1.1%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 0.2%▼ -0.9 percentage points vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026lowest value
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.4%▼ -0.1 percentage points vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Sector: Retail trade (NACE 47)
lowers risk
Founded in 2011
Size: total assets €381,884
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 49% of them on solvency, 50% on liquidity, 33% on profitability and 16% 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 very low class on 30-06-2025, 0.1% 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, 10,904 companies had the same profile as BEDECOUVERTE has now. Each dot stands for 28 companies, two years later.
95.1%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BEDECOUVERTE itself: 0.4% within 12 months.
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 10,904 companies, not a prediction for BEDECOUVERTE. 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.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.73 (2.47 in 2024), above the usual 1.5. Short-term debt is 25.5% and cash 7.4% of total assets. However, 66.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
29 days late
2022
31 days late
2021
61 days late
2020
31 days late
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 27 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 31 August (5 of the last 5 accounts filed within 30 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 0208:0833176352
First establishment
Avenue du Luxembourg 74, Liège
Incorporation
published on 10-02-2011 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BEDECOUVERTE Juprelle | €381,884 | €108,874 | 33.5% | - |
| M.H.C.L. Dison | €354,849 | €99,299 | 42.1% | - |
| STOCK AUCTION Liège | €469,954 | €73,001 | -75.1% | - |
| Go 2 Grow Puurs-Sint-Amands | €359,824 | €107,865 | 74.0% | - |
| PUURCENT Puurs-Sint-Amands | €383,055 | €104,444 | 42.1% | - |
| THINK ALIKE Ghent | €412,854 | €97,164 | 56.2% | - |
| MOTIV+ Waregem | €437,536 | €137,240 | 56.6% | 1.8 |
These companies have the same main activity as BEDECOUVERTE: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €355,000 and €470,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 26-01-2011Normal situation
- Activity
- Other non-specialised retail saleNACE 47120and 5 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2023
- Establishment unit
- 2.195.793.7504020 Liège, since 11-02-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
Insights on BEDECOUVERTE
BEDECOUVERTE files the micro format. That format states no turnover. The gross margin rose from €45,260 in 2011 to €108,874 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 BEDECOUVERTE
- What is the company number of BEDECOUVERTE?
- The company number of BEDECOUVERTE is 0833.176.352. The VAT number is the same number with BE in front: BE 0833.176.352.
- Where is BEDECOUVERTE based?
- The registered office is at Voie du Sacrement 14, 4450 Juprelle.Company details
- What does BEDECOUVERTE do?
- According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
- What is the legal form of BEDECOUVERTE?
- BEDECOUVERTE is a private limited company (pre-2019) (BVBA).
- When was BEDECOUVERTE founded?
- BEDECOUVERTE was founded on 26-01-2011.
- Is BEDECOUVERTE still active?
- Yes, BEDECOUVERTE is an active enterprise in the KBO register.
- How many employees does BEDECOUVERTE have?
- BEDECOUVERTE had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BEDECOUVERTE fall under?
- In its 2023 annual accounts, BEDECOUVERTE states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of BEDECOUVERTE?
- The turnover in financial year 2025 is ≈ €880,000. This figure is estimated from the gross margin of €108,874 and 72 comparable companies (NACE 471). It probably lies between €600,000 and €1.2m. In financial year 2019 turnover was €353,834.
- Is BEDECOUVERTE profitable?
- In financial year 2025, BEDECOUVERTE made a profit of €2,201.
- Where can I find the annual accounts of BEDECOUVERTE?
- BEDECOUVERTE filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BEDECOUVERTE due?
- BEDECOUVERTE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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