BELLA
ActiveSummary
For BELLA, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €11,774 and a net result of -€15,633. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 15220 sector peers (fiscal year 2023). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability10▼-11
Solvency30▼-42
Growth41▼-30
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
5%
Return on assets
-6.6%
Age of the figures
33 mo
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline27-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 14-11-2024, 106 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
106 d late
2022
93 d late
2021
458 d late
2020
150 d late
2019
151 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 192 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2023, micro schema
Turnover
€785,473▲ 38.8%
2021 · €565,994
EBIT margin
0.0%▼ 1.3pp
2021 · 1.4%
Net result
-€15,633▼ 696%
2022 · -€1,965
Working capital
€5,602▼ 69.8%
2022 · €18,549
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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
Line20192020202120222023
Turnover€588,928▼ 1.5%€567,549▼ 3.6%€565,994▼ 0.3%€785,473▲ 38.8%
Operating result€6,740€2,851▼ 57.7%€7,758▲ 172%€221▼ 97.2%-€3,274
Net result€2,978€4,367within the sector's middle half▲ 46.6%€6,117within the sector's middle half▲ 40.1%-€1,965within the sector's middle half-€15,633below the sector's middle half▼ 696%
EBIT margin1.1%▲ 1.3pp0.5%▼ 0.6pp1.4%▲ 0.9pp0.0%▼ 1.3pp
Equity€18,888▲ 18.7%€23,255below the sector's middle half▲ 23.1%€29,372within the sector's middle half▲ 26.3%€27,407within the sector's middle half▼ 6.7%€11,774within the sector's middle half▼ 57.0%
Total assets€69,540▲ 67.9%€59,321below the sector's middle half▼ 14.7%€55,356below the sector's middle half▼ 6.7%€58,913below the sector's middle half▲ 6.4%€235,282within the sector's middle half▲ 299%
Debt€50,652▲ 98.5%€36,066▼ 28.8%€25,984▼ 28.0%€31,506▲ 21.3%€223,509▲ 609%
Working capital€14,738▲ 5.2%€16,679▲ 13.2%€20,475▲ 22.8%€18,549▼ 9.4%€5,602▼ 69.8%
Solvency27.2%▼ 11.2pp39.2%within the sector's middle half▲ 12.0pp53.1%within the sector's middle half▲ 13.9pp46.5%within the sector's middle half▼ 6.5pp5.0%below the sector's middle half▼ 41.5pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €3,274 after €221 in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €235,282
Fixed assets
€6,172 ▼ 30.3%
Current assets
€229,110 ▲ 358%
Equity and liabilities €235,282
Equity
€11,774 ▼ 57.0%
Debt
€223,509 ▲ 609%
Debt's share of the balance-sheet total rises from 53.5% to 95.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€587▼
2022 · €4,087
Cash flow
-€12,946▼
2022 · €1,901
Current ratio
1.03▼
2022 · 1.59
Quick ratio
0.85▲
2022 · 0.59
Debt to equity
18.98▲
2022 · 1.15
ROE
-132.8%▼
2022 · -7.2%
ROA
-6.6%▼
2022 · -3.3%
Interest coverage
-0.09▼
2022 · 0.79
Debt ≤ 1 year
€223,509▲
2022 · €31,506
Income taxes
€6,156
Staff costs
€39,403▲
2022 · €35,569
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €588,928 | €567,549 | €565,994 | €785,473 | - | - |
| Non-recurring operating income76A | - | - | - | - | €9,407 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €541,180 | €752,433 | - | - |
| Remuneration, social security and pensions62 | - | - | €22,625 | €35,569 | €39,403 | ▲ 10.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,146 | €1,117 | €1,507 | €3,866 | €2,687 | ▼ 30.5% |
| Other operating charges640/8 | - | - | €684 | €1,605 | €8,124 | ▲ 406% |
| Gross operating margin9900 | €19,851 | €5,405 | €32,574 | €41,261 | €46,940 | ▲ 13.8% |
| Operating profit (loss)9901 | €6,740 | €2,851 | €7,758 | €221 | -€3,274 | ▼ 1,581% |
| Financial income75/76B | - | - | - | €3,000 | €4 | ▼ 99.9% |
| Recurring financial income75 | €3 | - | - | €3,000 | €4 | ▼ 99.9% |
| Non-recurring financial income76B | - | - | - | €3,000 | - | - |
| Financial charges65/66B | - | - | €110 | €5,186 | €6,207 | ▲ 19.7% |
| Recurring financial charges65 | €6,119 | €236 | €96 | €5,177 | €6,207 | ▲ 19.9% |
| Non-recurring financial charges66B | - | - | €14 | €9 | - | - |
| Profit (loss) for the period before taxes9903 | €2,978 | €5,459 | €7,648 | -€1,965 | -€9,477 | ▼ 382% |
| Income taxes67/77 | - | €1,092 | €1,531 | - | €6,156 | - |
| Profit (loss) for the period9904 | €2,978 | €4,367 | €6,117 | -€1,965 | -€15,633 | ▼ 696% |
| Profit (loss) for the period to be appropriated9905 | €2,978 | €4,367 | €6,117 | -€1,965 | -€15,633 | ▼ 696% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69,540 | €59,321 | €55,356 | €58,913 | €235,282 | ▲ 299% |
| Fixed assets21/28 | €4,150 | €6,576 | €8,897 | €8,858 | €6,172 | ▼ 30.3% |
| Tangible fixed assets22/27 | €3,728 | €6,154 | €8,475 | €8,436 | €5,750 | ▼ 31.8% |
| Land and buildings22 | - | - | €2,006 | €2,254 | €1,759 | ▼ 22.0% |
| Plant, machinery and equipment23 | - | - | €6,469 | €6,182 | €3,991 | ▼ 35.4% |
| Financial fixed assets28 | €422 | €422 | €422 | €422 | €422 | = |
| Current assets29/58 | €65,390 | €52,745 | €46,459 | €50,055 | €229,110 | ▲ 358% |
| Stocks and contracts in progress3 | €35,950 | €37,205 | €28,655 | €31,605 | €39,001 | ▲ 23.4% |
| Stocks30/36 | - | - | €28,655 | €31,605 | €39,001 | ▲ 23.4% |
| Amounts receivable within one year40/41 | €14,150 | - | €7,884 | - | €162,136 | - |
| Trade receivables40 | - | - | €7,884 | - | €160,369 | - |
| Other amounts receivable41 | - | - | - | - | €1,767 | - |
| Cash at bank and in hand54/58 | €15,290 | €15,540 | €9,920 | €18,450 | €27,973 | ▲ 51.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69,540 | €59,321 | €55,356 | €58,913 | €235,282 | ▲ 299% |
| Equity10/15 | €18,888 | €23,255 | €29,372 | €27,407 | €11,774 | ▼ 57.0% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | - | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | - | - | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,036 | €1,036 | €1,343 | €1,343 | €1,343 | = |
| Non-distributable reserves130/1 | - | - | €1,343 | €1,343 | €1,343 | = |
| Legal reserve130 | - | - | €1,343 | €1,343 | €1,343 | = |
| Profit (loss) carried forward14 | -€740 | €3,627 | €9,437 | €7,472 | -€8,161 | ▼ 209% |
| Amounts payable17/49 | €50,652 | €36,066 | €25,984 | €31,506 | €223,509 | ▲ 609% |
| Amounts payable within one year42/48 | €50,652 | €36,066 | €25,984 | €31,506 | €223,509 | ▲ 609% |
| Financial debts43 | - | - | - | - | €16 | - |
| Credit institutions430/8 | - | - | - | - | €16 | - |
| Trade debts44 | €32,681 | €29,884 | €16,847 | €6,323 | €140,267 | ▲ 2,118% |
| Suppliers440/4 | - | - | €16,847 | €6,323 | €140,011 | ▲ 2,114% |
| Bills of exchange payable441 | - | - | - | - | €256 | - |
| Advances received on contracts in progress46 | - | - | - | - | €66,174 | - |
| Taxes, remuneration and social security45 | - | - | €9,137 | €25,183 | €2,360 | ▼ 90.6% |
| Taxes450/3 | - | - | €6,716 | €9,531 | €2,360 | ▼ 75.2% |
| Remuneration and social security454/9 | - | - | €2,421 | €15,652 | - | - |
| Other amounts payable47/48 | - | - | - | - | €14,691 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,978 | €4,367 | €6,117 | -€1,965 | -€15,633 | ▼ 696% |
| + Depreciation and write-downs630 | €1,146 | €1,117 | €1,507 | €3,866 | €2,687 | ▼ 30.5% |
| Operating cash flow (approximation) | €4,124 | €5,484 | €7,624 | €1,901 | -€12,946 | ▼ 781% |
| Investment in fixed assets (approximation) | - | -€3,543 | -€3,828 | -€3,827 | -€1 | ▲ 100.0% |
| Change in cash | - | €250 | -€5,620 | €8,530 | €9,523 | ▲ 11.6% |
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
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 106 days late
2023
31-12
Financial
Weakest financial yearnet -€15,633
Net result drops to -€15,633, the lowest in the series.
01-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 93 days late
01-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 458 days late
2021
31-12
Financial
Highest result since 2018net €6,117 ▲40.1%
Operating result €7,758, net result €6,117, both a record.
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 150 days late
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 151 days late
2019
31-12
Financial
Back to profitnet €2,978
Net result €2,978 after one loss-making year.
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 114 days late
2018
06-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 128 days late
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 119 days late
2016
15-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 137 days late
2015
29-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 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
12 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, Mons · 1 establishment unit since 1998
Ground area
710 m²
Building footprint
396 m²
Volume, LiDAR
4,366 m³
2 parcels, Wallonia · tallest building 18.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Léopold II 13, 7000 Mons
since 19982.059.067.696
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0740/00F013indicative | Wallonia | 458 m² | 1 · 280 m² | 18.7 m · 4 fl. |
| 53019B0362/00F000 | Wallonia | 252 m² | 1 · 115 m² | 11.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.059.067.696
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Of 697 companies in sector 46392 we hold annual accounts for 484. 154 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCoöperatieve vennootschap met onbeperkte aansprakelijkheid
Founded20-05-1992
Fiscal year end31-12
Activities, NACEBEL 2025
46392Non-specialised wholesale
47110Non-specialised retail sale with food, beverages or tobacco predominating
47722Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448183649
Also
9925:BE0448183649
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.