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BEOR

Active
Private limited companyfounded 20187 yrs activeRue Matrognard 4, 4000 Liège, BelgiumKBO/BCE: BE 0715.649.073
Summary

The computed 12-month bankruptcy probability of BEOR is 2.0% (moderate). The 2024 annual accounts show equity of €35,078 and a net result of €2,541. Equity is shrinking by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 26040 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
59 / 100
Fair
A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+72
Solvency89▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.79 against 2.52 in 2023; short-term debt: 35.9% and cash: 0.2% of total assets), and 35.9% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
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 →
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 2024
Solvency, return and age of the figures
Solvency
64.1%
Return on assets
4.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 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 · 6 filings
Deviation from the deadline
2025
not confirmed
2024
91 d late
2023
61 d late
2022
31 d late
2021
20 d early
2020
20 d late
2019
91 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 46 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 (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 10 December 2018, BEOR was incorporated.1 Total assets went from EUR 88,928 in 2019 to EUR 54,696 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2,541
2023 · -€6,673
Working capital
€35,078▲ 12.6%
2023 · €31,144
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€10,063▲ 61.5%-€14,127▼ 40.4%-€5,917▲ 58.1%-€6,549▼ 10.7%€2,747
Net result-€10,285▲ 60.7%-€14,273▼ 38.8%-€6,140▲ 57.0%-€6,673▼ 8.7%€2,541
Equity€59,623▼ 14.7%€45,350▼ 23.9%€39,210▼ 13.5%€32,537▼ 17.0%€35,078▲ 7.8%
Total assets€65,641▼ 26.2%€54,936▼ 16.3%€56,064▲ 2.1%€52,969▼ 5.5%€54,696▲ 3.3%
Debt€6,018▼ 68.4%€9,586▲ 59.3%€16,853▲ 75.8%€20,431▲ 21.2%€19,618▼ 4.0%
Working capital€45,261▼ 10.2%€35,331▼ 21.9%€33,535▼ 5.1%€31,144▼ 7.1%€35,078▲ 12.6%
Result per fiscal year
Operating resultNet result
-€15,000-€10,000-€5,000€0€5,000Operating result 2020: -€10,063-€10,063Net result 2020: -€10,285-€10,285Operating result 2021: -€14,127-€14,127Net result 2021: -€14,273-€14,273Operating result 2022: -€5,917-€5,917Net result 2022: -€6,140-€6,140Operating result 2023: -€6,549-€6,549Net result 2023: -€6,673-€6,673Operating result 2024: €2,747€2,747Net result 2024: €2,541€2,54120202021202220232024-€7,500-€5,000-€2,500€0€2,500Operating result 2022: -€5,917-€5,920Net result 2022: -€6,140-€6,140Operating result 2023: -€6,549-€6,550Net result 2023: -€6,673-€6,670Operating result 2024: €2,747€2,750Net result 2024: €2,541€2,540202220232024
The operating result returns to profit in 2024: €2,747 after a loss of €6,549 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €54,696
Equity €35,078 ▲ 7.8%
Debt €19,618 ▼ 4.0%
Debt's share of the balance-sheet total falls from 38.6% to 35.9%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€4,141▲
2023 · -€2,267
Cash flow
€3,935▲
2023 · -€2,391
Current ratio
2.79▲
2023 · 2.52
Quick ratio
0.32▲
2023 · 0.15
Debt to equity
0.56▼
2023 · 0.63
ROE
7.2%▲
2023 · -20.5%
ROA
4.6%▲
2023 · -12.6%
Interest coverage
20.12▲
2023 · -18.20
Debt ≤ 1 year
€19,618▼
2023 · €20,431
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 5,047 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.0% went bankrupt
3.7% stopped otherwise
94% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.0% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 5,047 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 36 lines
Balance sheet Code20232024
Assets
Total assets20/58€52,969€54,696▲
Fixed assets21/28€1,394-
Intangible fixed assets21€1,258-
Tangible fixed assets22/27€136-
Furniture and vehicles24€136-
Current assets29/58€51,575€54,696▲
Stocks and contracts in progress3€48,432€48,432=
Stocks30/36€48,432€48,432=
Amounts receivable within one year40/41€3,100€6,165▲
Trade receivables40€1,724€4,327▲
Other amounts receivable41€1,376€1,838▲
Cash at bank and in hand54/58€43€99▲
Equity and liabilities
Total equity and liabilities10/49€52,969€54,696▲
Equity10/15€32,537€35,078▲
Contributions10/11€96,097€96,097=
Profit (loss) carried forward14-€63,559-€61,018▲
Amounts payable17/49€20,431€19,618▼
Amounts payable within one year42/48€20,431€19,618▼
Trade debts44€2,806-
Suppliers440/4€2,806-
Taxes, remuneration and social security45-€984
Taxes450/3-€984
Other amounts payable47/48€17,625€18,634▲
Income statement Code20232024
Non-recurring operating income76A€2,951€2,695▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,282€1,394▼
Other operating charges640/8€444€384▼
Non-recurring operating charges66A-€909
Gross operating margin9900-€1,822€5,434▲
Operating profit (loss)9901-€6,549€2,747▲
Financial charges65/66B€125€206▲
Recurring financial charges65€125€206▲
Profit (loss) for the period before taxes9903-€6,673€2,541▲
Profit (loss) for the period9904-€6,673€2,541▲
Profit (loss) for the period to be appropriated9905-€6,673€2,541▲
Appropriation of the result
Profit (loss) to be appropriated9906-€63,559-€61,018▲
Profit (loss) brought forward from the previous period14P-€56,886-€63,559▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Non-recurring operating income76A---€2,951€2,695▼ 8.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,343€4,343€4,343€4,282€1,394▼ 67.5%
Other operating charges640/8--€400€444€384▼ 13.5%
Non-recurring operating charges66A----€909-
Gross operating margin9900-€5,604-€9,783-€1,173-€1,822€5,434▲ 398%
Operating profit (loss)9901-€10,063-€14,127-€5,917-€6,549€2,747▲ 142%
Recurring financial income75€0-----
Financial charges65/66B-€147€223€125€206▲ 65.2%
Recurring financial charges65€223€147€223€125€206▲ 65.2%
Profit (loss) for the period before taxes9903-€10,285-€14,273-€6,140-€6,673€2,541▲ 138%
Profit (loss) for the period9904-€10,285-€14,273-€6,140-€6,673€2,541▲ 138%
Profit (loss) for the period to be appropriated9905-€10,285-€14,273-€6,140-€6,673€2,541▲ 138%
Line20202021202220232024Change
Assets
Total assets20/58€65,641€54,936€56,064€52,969€54,696▲ 3.3%
Fixed assets21/28€14,363€10,019€5,676€1,394--
Intangible fixed assets21€13,168€9,182€5,196€1,258--
Tangible fixed assets22/27€1,195€837€480€136--
Furniture and vehicles24-€837€480€136--
Current assets29/58€51,279€44,917€50,388€51,575€54,696▲ 6.1%
Stocks and contracts in progress3€48,452€42,954€48,432€48,432€48,432=
Stocks30/36-€42,954€48,432€48,432€48,432=
Amounts receivable within one year40/41€1,701€493€1,341€3,100€6,165▲ 98.9%
Trade receivables40-€24€245€1,724€4,327▲ 151%
Other amounts receivable41-€469€1,096€1,376€1,838▲ 33.6%
Cash at bank and in hand54/58€1,125€1,470€615€43€99▲ 132%
Equity and liabilities
Total equity and liabilities10/49€65,641€54,936€56,064€52,969€54,696▲ 3.3%
Equity10/15€59,623€45,350€39,210€32,537€35,078▲ 7.8%
Contributions10/11-€96,097€96,097€96,097€96,097=
Profit (loss) carried forward14-€36,473-€50,746-€56,886-€63,559-€61,018▲ 4.0%
Amounts payable17/49€6,018€9,586€16,853€20,431€19,618▼ 4.0%
Amounts payable within one year42/48€6,018€9,586€16,853€20,431€19,618▼ 4.0%
Trade debts44€4,769€3,278€5,467€2,806--
Suppliers440/4-€3,278€5,467€2,806--
Taxes, remuneration and social security45----€984-
Taxes450/3----€984-
Other amounts payable47/48-€6,308€11,387€17,625€18,634▲ 5.7%
Line20202021202220232024Change
Profit (loss) for the period9904-€10,285-€14,273-€6,140-€6,673€2,541▲ 138%
+ Depreciation and write-downs630€4,343€4,343€4,343€4,282€1,394▼ 67.5%
Operating cash flow (approximation)-€5,942-€9,930-€1,796-€2,391€3,935▲ 265%
Investment in fixed assets (approximation)-€0€0€0--
Change in cash-€344-€855-€572€56▲ 110%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial Back to profitnet €2,541
Net result €2,541 after 5 loss-making years.
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
11-07
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
20-08
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
31-12
Financial Liquidity doublescurrent ratio 8.52
Current ratio from 3.65 to 8.52; short-term debt falls from €19,020 to €6,018.
30-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts

We know of 7 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
7 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, Liège · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
2,628 m²
Building footprint
179 m²
Volume, LiDAR
1,261 m³
Parcel 62063A0748/00D000, Wallonia · tallest building 22.7 m, ±2 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
BEOR
Rue Matrognard 4, 4000 LiègeAgents in the wholesale of furniture, household goods and hardware
since 20182.282.873.521
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62063A0748/00D000
ProtectedMonument
Wallonia 2,628 m² 1 · 179 m² 22.7 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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.

Similar companies · same sector, comparable size

Of 2,075 companies in sector 47750 we hold annual accounts for 517. 406 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
Founded10-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47750Retail sale of cosmetics and toilet articles
46450Wholesale of perfume and cosmetics
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID 0208:0715649073
Also 9925:BE0715649073
Registered 08-07-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.