BEPAK.BE
ActiveSummary
The computed 12-month bankruptcy probability of BEPAK.BE is 2.8% (moderate). The 2025 annual accounts show equity of €72,174 and a net result of €14,863. Equity is growing by ~111.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 18626 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability66▲+22
Solvency81▲+10
Growth53▼-15
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.26 against 1.81 in 2024; short-term debt: 44.2% and cash: 1.9% of total assets), and 44.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.8%
Return on assets
11.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 5 filingsDeviation from the deadline
2025
12 d late
2024
118 d late
2023
66 d late
2022
2 d early
2021
5 d early
← 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 38 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 12 August (4 of the last 5 filed years within 55 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€764,605▼ 20.8%
2024 · €965,630
EBIT margin
2.3%▲ 1.5pp
2024 · 0.8%
Net result
€14,863▲ 335%
2024 · €3,414
Working capital
€72,174▲ 30.9%
2024 · €55,145
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
Line20212022202320242025
Turnover€920,894€965,630▲ 4.9%€764,605▼ 20.8%
Operating result-€14,248-€7,759€11,842▲ 52.6%€7,896▼ 33.3%€17,556▲ 122%
Net result-€14,324below the sector's middle half-€7,584within the sector's middle half€11,842within the sector's middle half▲ 56.1%€3,414within the sector's middle half▼ 71.2%€14,863within the sector's middle half▲ 335%
EBIT margin1.3%0.8%▼ 0.5pp2.3%▲ 1.5pp
Equity€4,276below the sector's middle half-€11,859within the sector's middle half▲ 177%€23,547within the sector's middle half▲ 98.6%€57,311within the sector's middle half▲ 143%€72,174within the sector's middle half▲ 25.9%
Total assets€64,707within the sector's middle half-€55,290below the sector's middle half▼ 14.6%€42,344below the sector's middle half▼ 23.4%€125,384within the sector's middle half▲ 196%€129,265within the sector's middle half▲ 3.1%
Debt€60,432-€43,431▼ 28.1%€18,796▼ 56.7%€68,073▲ 262%€57,091▼ 16.1%
Working capital€3,291within the sector's middle half-€11,107within the sector's middle half▲ 237%€19,214within the sector's middle half▲ 73.0%€55,145within the sector's middle half▲ 187%€72,174within the sector's middle half▲ 30.9%
Solvency6.6%within the sector's middle half-21.4%within the sector's middle half▲ 14.8pp55.6%within the sector's middle half▲ 34.2pp45.7%within the sector's middle half▼ 9.9pp55.8%within the sector's middle half▲ 10.1pp
Current ratio1.05within the sector's middle half-1.26within the sector's middle half▲ 0.202.02within the sector's middle half▲ 0.771.81within the sector's middle half▼ 0.212.26within the sector's middle half▲ 0.45
Return on assets (ROA)-22.1%below the sector's middle half-13.7%above the sector's middle half▲ 35.9pp28.0%above the sector's middle half▲ 14.2pp2.7%within the sector's middle half▼ 25.2pp11.5%within the sector's middle half▲ 8.8pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 122% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €129,265
Equity
€72,174 ▲ 25.9%
Debt
€57,091 ▼ 16.1%
Debt's share of the balance-sheet total falls from 54.3% to 44.2%. Equity is higher and debt is lower.
Key figures and ratios
Quick ratio
1.61▲
2024 · 1.22
Debt to equity
0.79▼
2024 · 1.19
ROE
20.6%▲
2024 · 6.0%
Debt ≤ 1 year
€57,091▼
2024 · €68,073
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 26,975 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €920,894 | €965,630 | €764,605 | ▼ 20.8% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €873,838 | €924,911 | €747,049 | ▼ 19.2% |
| Remuneration, social security and pensions62 | €4,698 | €13,439 | €32,294 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €175 | €232 | €2,920 | - | - | - |
| Other operating charges640/8 | - | €543 | - | - | - | - |
| Gross operating margin9900 | -€9,376 | €21,973 | €47,056 | €7,896 | €17,556 | ▲ 122% |
| Operating profit (loss)9901 | -€14,248 | €7,759 | €11,842 | €7,896 | €17,556 | ▲ 122% |
| Financial charges65/66B | €76 | €175 | - | €4,483 | €2,693 | ▼ 39.9% |
| Recurring financial charges65 | €76 | €175 | - | €4,483 | €2,693 | ▼ 39.9% |
| Profit (loss) for the period before taxes9903 | -€14,324 | €7,584 | €11,842 | €3,414 | €14,863 | ▲ 335% |
| Profit (loss) for the period9904 | -€14,324 | €7,584 | €11,842 | €3,414 | €14,863 | ▲ 335% |
| Profit (loss) for the period to be appropriated9905 | -€14,324 | €7,584 | €11,842 | €3,414 | €14,863 | ▲ 335% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €64,707 | €55,290 | €42,344 | €125,384 | €129,265 | ▲ 3.1% |
| Fixed assets21/28 | €984 | €753 | €4,333 | €2,166 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €984 | €753 | €4,333 | €2,166 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | €4,333 | €2,166 | €0 | ▼ 100% |
| Other tangible fixed assets26 | €984 | €753 | - | - | - | - |
| Current assets29/58 | €63,723 | €54,538 | €38,011 | €123,218 | €129,265 | ▲ 4.9% |
| Stocks and contracts in progress3 | €28,996 | €30,750 | €14,500 | €40,000 | €37,500 | ▼ 6.3% |
| Stocks30/36 | €28,996 | €30,750 | €14,500 | €40,000 | €37,500 | ▼ 6.3% |
| Amounts receivable within one year40/41 | €32,896 | €4,733 | €17,635 | €82,667 | €89,306 | ▲ 8.0% |
| Trade receivables40 | €31,169 | €4,544 | €14,451 | €76,387 | €82,298 | ▲ 7.7% |
| Other amounts receivable41 | €1,727 | €189 | €3,185 | €6,280 | €7,008 | ▲ 11.6% |
| Cash at bank and in hand54/58 | €1,807 | €19,055 | €5,875 | €551 | €2,459 | ▲ 346% |
| Deferred charges and accrued income490/1 | €24 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €64,707 | €55,290 | €42,344 | €125,384 | €129,265 | ▲ 3.1% |
| Equity10/15 | €4,276 | €11,859 | €23,547 | €57,311 | €72,174 | ▲ 25.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €48,950 | €48,950 | = |
| Profit (loss) carried forward14 | -€14,324 | -€6,741 | €4,947 | €3,414 | €14,863 | ▲ 335% |
| Investment grants15 | - | - | - | €4,947 | €8,361 | ▲ 69.0% |
| Amounts payable17/49 | €60,432 | €43,431 | €18,796 | €68,073 | €57,091 | ▼ 16.1% |
| Amounts payable within one year42/48 | €60,432 | €43,431 | €18,796 | €68,073 | €57,091 | ▼ 16.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €57,091 | - |
| Trade debts44 | €17,831 | €6,874 | - | €25,000 | - | - |
| Suppliers440/4 | €17,831 | €6,874 | - | €25,000 | - | - |
| Advances received on contracts in progress46 | €18,772 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €754 | - | €17,539 | €43,073 | - | - |
| Taxes450/3 | - | - | €936 | - | - | - |
| Remuneration and social security454/9 | €754 | - | €16,604 | €43,073 | - | - |
| Other amounts payable47/48 | €23,076 | €36,557 | €1,257 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,324 | €7,584 | €11,842 | €3,414 | €14,863 | ▲ 335% |
| + Depreciation and write-downs630 | €175 | €232 | €2,920 | - | - | - |
| Operating cash flow (approximation) | -€14,150 | €7,815 | €14,762 | €3,414 | €14,863 | ▲ 335% |
| Investment in fixed assets (approximation) | - | €0 | -€6,500 | €2,167 | €2,166 | = |
| Change in cash | - | €17,248 | -€13,179 | -€5,324 | €1,908 | ▲ 136% |
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
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2021net €14,863 ▲335%
Operating result €17,556, net result €14,863, both a record.
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 118 days late
2024
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7,584
Net result €7,584 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Sint-Jans-Molenbeek · 1 establishment unit since 2020
Ground area
100 m²
Building footprint
100 m²
Volume, LiDAR
987 m³
Parcel 21012A0204/00A002, Brussels · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BEPAK.BE
since 20202.309.297.212
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0204/00A002 | Brussels | 100 m² | 1 · 100 m² | 15.3 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.309.297.212
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Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 4,672 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
Founded20-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0756811024
Also
9925:BE0756811024
Registered
23-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.