Equity
-€2,701
Debts exceed assets in financial year 2025.
BEL COM
Lifetime
1 annual account with figurespeak -€3,313 (2025)
-€3,313
lowest -€5,201 (2025)
-€5,201
peak -€2,701 (2025)
-€2,701
€5,267
Board1 name since 2023
1 directorPARIS Alain Georges Gilbert Michel
Documentsfilings and deeds
21-05-202621 days late
2025micro format
Loss of €5,201First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,500 250 shares
Position in the sector
-105.3%
Lower solvency than 91% of companies in retail trade. Sector median 33.1% · 22,924 companies.
2025 accounts filed 21 days after the deadlineTurnover not published (micro format)
Checked score
54
Fair
Financially stronger than 22% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.3% 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 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.8%
01-2025: 1.8%● unchanged vs 12-2024
02-2025: 1.9%▲ +0.1 percentage points vs 01-2025
03-2025: 2.2%▲ +0.3 percentage points vs 02-2025
04-2025: 2.3%▲ +0.1 percentage points vs 03-2025
05-2025: 2.6%▲ +0.3 percentage points vs 04-2025
06-2025: 2.8%▲ +0.2 percentage points vs 05-2025
07-2025: 2.8%● unchanged vs 06-2025
08-2025: 2.8%● unchanged vs 07-2025
09-2025: 2.7%▼ -0.1 percentage points vs 08-2025
10-2025: 3.0%▲ +0.3 percentage points vs 09-2025
11-2025: 3.1%▲ +0.1 percentage points vs 10-2025
12-2025: 3.1%● unchanged vs 11-2025highest value
01-2026: 3.1%● unchanged vs 12-2025highest value
02-2026: 3.1%● unchanged vs 01-2026highest value
03-2026: 3.1%● unchanged vs 02-2026highest value
04-2026: 3.1%● unchanged vs 03-2026highest value
05-2026: 3.1%● unchanged vs 04-2026highest value
06-2026: 1.4%▼ -1.7 percentage points vs 05-2026
07-2026: 1.3%▼ -0.1 percentage points vs 06-2026
08-2026: 1.3%● unchanged vs 07-2026
09-2026: 1.3%● unchanged vs 08-2026
10-2026: 1.3%● unchanged vs 09-2026lowest value
11-2026: 1.3%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€2,701
Founded in 2023
lowers risk
Liquidity: current ratio 0.47, cash €1,850
Size: total assets €2,566
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 6% of them on solvency, 52% on liquidity and 6% on profitability.
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 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 7,639 companies had the same profile as BEL COM has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BEL COM itself is lower: 1.3% within 12 months. It rests on far more data about BEL COM than the profile alone.
Test of the method
The method was tested on the 497,447 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 7,639 companies, not a prediction for BEL COM. 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
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-05-2026, 21 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 · 1 filingDeviation from the deadline
2025
21 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002351379
First establishment
Parc Résidentiel Le Chénia 127, Froidchapelle
Incorporation
Founding capital of €2,500, 250 shares · Founder: PARIS Alain Georges Gilbert Michel · Appointment: PARIS Alain Georges Gilbert Michel (director) · published on 21-11-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BEL COM Froidchapelle | €2,566 | -€3,313 | -105.3% | - |
| SA TRADING Affligem | €2,486 | -€792 | 4.8% | - |
| SUNEOLA Saint-Léger (Lux.) | €2,228 | -€988 | -67.2% | - |
| YOUMO Anderlecht | €3,000 | -€288 | 38.6% | - |
| BRANDOZ Brussels | €2,129 | -€629 | -292.1% | - |
| MO&ZO CLEANING Koekelberg | €3,090 | -€1,727 | 45.3% | - |
| Tyndall Trade Solutions Saint-Georges-sur-Meuse | €3,274 | -€4,035 | -302.7% | - |
These companies have the same main activity as BEL COM: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €2,130 and €3,270, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 16-11-2023Normal situation
- Activity
- Other non-specialised retail saleNACE 47120and 5 others
- Establishment unit
- 2.356.273.1246440 Froidchapelle, since 01-01-2024
- Financial year end
- 30 September
- Peppol
- Reachable since 19-01-2026
Insights on BEL COM
BEL COM has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2,701) and a net result of -€5,201.
Its solvency ranks better than 9% of 22,924 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
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 BEL COM
- What is the company number of BEL COM?
- The company number of BEL COM is 1002.351.379. The VAT number is the same number with BE in front: BE 1002.351.379.
- Where is BEL COM based?
- The registered office is at Parc Résidentiel Le Chénia 127, 6440 Froidchapelle.Company details
- What does BEL COM do?
- According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
- What is the legal form of BEL COM?
- BEL COM is a private limited company (BV).
- When was BEL COM founded?
- BEL COM was founded on 16-11-2023.
- Is BEL COM still active?
- Yes, BEL COM is an active enterprise in the KBO register.
- What is the turnover of BEL COM?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is BEL COM profitable?
- In financial year 2025, BEL COM made a loss of €5,201.
- Where can I find the annual accounts of BEL COM?
- BEL COM filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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