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BILAL & LAIBA

Active
Private limited companyfounded 2011active for 15 yearsBoulevard Paul Janson 10, 6000 Charleroi, BelgiumKBO/BCE: BE 0840.716.024
Summary

The computed 12-month bankruptcy probability of BILAL & LAIBA is 4.0% (moderate). The 2024 annual accounts show equity of €52,719 and a net result of €29,293. Equity has been growing by about 41% per year since 2018. Its solvency ranks better than 26% of 6,481 sector peers (NACE 47, financial year 2024). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 28-10-2011 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2024
Establishment unit
2.203.966.001 6000 Charleroi, since 01-11-2011
Financial year end
31 December
Peppol
Reachable since 25-12-2025

Board and ownership

Board

Financial position

49 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
4.0%
Annual accounts 2024
Turnover
€1.6m
▲ 30.8%
Profit
€29,293
Equity
€52,719
▲ 125%
Total assets
€386,196
▼ 10.8%
Employees on 31-12-2024
6
▲ 50.0%
  • €3,294 of overdue tax debts on 31-12-2024
  • €647 of overdue social security (RSZ) debts on 31-12-2024
  • 2025 accounts not filed, 94 days past the deadline
Filed on 30-09-2025
Score breakdownraises riskFigures for financial year 2024 (filed on 30-09-2025)1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 accounts lateEquity €52,719 (13.7% of total assets)lowers riskFounded in 2011Show the evidence

Checked score

Score 2024
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 44% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 39+9
equity 13.7% of total assets
Liquidity 12-27
short-term debt 86.0% · cash 7.3%
Profitability 64+49
return on assets 7.6%
Bankruptcy probability within 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 1.4% 01-2025: 1.4%● unchanged vs 12-2024 02-2025: 1.4%● unchanged vs 01-2025 03-2025: 1.3%▼ -0.1 percentage points vs 02-2025 04-2025: 1.3%● unchanged vs 03-2025 05-2025: 1.3%● unchanged vs 04-2025 06-2025: 1.2%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 1.2%● unchanged vs 06-2025 08-2025: 1.6%▲ +0.4 percentage points vs 07-2025 09-2025: 1.8%▲ +0.2 percentage points vs 08-2025 10-2025: 1.8%● unchanged vs 09-2025 11-2025: 1.8%● unchanged vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 1.8%● unchanged vs 12-2025 02-2026: 1.8%● unchanged vs 01-2026 03-2026: 1.7%▼ -0.1 percentage points vs 02-2026 04-2026: 1.7%● unchanged vs 03-2026 05-2026: 1.8%▲ +0.1 percentage points vs 04-2026 06-2026: 1.7%▼ -0.1 percentage points vs 05-2026 07-2026: 1.7%● unchanged vs 06-2026 08-2026: 2.6%▲ +0.9 percentage points vs 07-2026 09-2026: 3.0%▲ +0.4 percentage points vs 08-2026 10-2026: 4.0%▲ +1.0 percentage point vs 09-2026highest value 11-2026: 4.0%● unchanged vs 10-2026highest value
Credit of up to €2,500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is insufficient, with a current ratio of 0.99 (0.99 in 2023), below 1. Short-term debt is 86% and cash 7.3% of total assets. 86.3% of the assets are financed with debt and provisions.
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 30% of them on solvency, 12% on liquidity, 45% on profitability and 88% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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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 · Figures for financial year 2024 (filed on 30-09-2025)
NBB · annual accounts
lowers risk · Founded in 2011
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Equity €52,719 (13.7% of total assets)
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 94 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline02-11-2026 today
raises risk · 2024 accounts filed 61 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 filings
Deviation from the deadline
2025
not filed
2024
61 days late
2023
30 days late
2022
141 days late
2021
107 days late
2020
207 days late
2019
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 96 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 (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Turnover rose in 2024from €1.2m to €1.6m ▲ 30.8% View

Recent changes

  1. · Gazette deed Company renamed from BILAL ET LAIBA to Bilal & LaibaResignations: SHEIKH Nadeem (manager) and TARIQ Mahmoud (manager) · Reappointments: SHEIKH Nadeem (director) and TARIQ Mahmoud (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as BILAL & LAIBA: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €277,000 and €605,000, founded between 2008 and 2014.

CompanyTotal assetsGross margin
BILAL & LAIBA Charleroi€386,196€149,148
SITAGENCY Courcelles€405,434€115,346
CIWAN FOOD La Louvière€277,237€267,745
VDW EXPRESS Sint-Pieters-Woluwe€313,342€224,329
KIKOTEC Tienen€296,470€135,050
DEVATH Oostkamp€334,676€224,516
MEHER GROUP Antwerpen€605,255€138,584
Full comparison

Key facts about BILAL & LAIBA

What is the company number of BILAL & LAIBA?
The company number of BILAL & LAIBA is 0840.716.024. The VAT number is the same number with BE in front: BE 0840.716.024.
Where is BILAL & LAIBA based?
The registered office is at Boulevard Paul Janson 10, 6000 Charleroi.Company details
What does BILAL & LAIBA do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of BILAL & LAIBA?
The legal form of BILAL & LAIBA is Private limited company (BV).
When was BILAL & LAIBA founded?
BILAL & LAIBA was founded on 28-10-2011.
Is BILAL & LAIBA still active?
Yes, BILAL & LAIBA is an active enterprise in the KBO register.
How many employees does BILAL & LAIBA have?
BILAL & LAIBA had an average of 4 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
Which joint committee does BILAL & LAIBA fall under?
In its 2024 annual accounts, BILAL & LAIBA states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of BILAL & LAIBA?
The turnover of BILAL & LAIBA was €1.6m in financial year 2024, according to the filed annual accounts.
Is BILAL & LAIBA profitable?
In financial year 2024, BILAL & LAIBA made a profit of €29,293.
Where can I find the annual accounts of BILAL & LAIBA?
BILAL & LAIBA filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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