BLC10
ActiveSummary
BLC10 has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of €124,354. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 63% of 4209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+19
Solvency74▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85,000 at 30 days acceptable
Liquidity ample (current ratio 1.78 against 1.56 in 2024; short-term debt: 47.8% and cash: 28.5% of total assets), but 51.3% of the assets are financed with debt.
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Signals
Six 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
48.7%
Return on assets
4.8%
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 13-08-2026, 13 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 · 7 filingsDeviation from the deadline
2025
13 d late
2024
29 d late
2023
21 d late
2022
20 d early
2021
4 d early
2020
24 d late
2019
21 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 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 (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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, full schema
In the rankings
#2 employer in Braine-le-Comte#6 company by total assets in Braine-le-Comte, Wholesale and retail trade sector#7 company by equity in Braine-le-Comte, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€124,354
2024 · -€18,285
Working capital
€964,485▲ 23.0%
2024 · €784,284
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
Line20212022202320242025
Operating result€470,522▲ 44.9%€39,737▼ 91.6%€115,539▲ 191%-€11,134€185,451
Net result€346,401▲ 46.8%€8,051▼ 97.7%€177,589▲ 2,106%-€18,285€124,354
Equity€972,964▲ 55.3%€981,016▲ 0.8%€1.2m▲ 18.1%€1.1m▼ 1.6%€1.3m▲ 10.9%
Total assets€3.0m▲ 10.2%€3.0m▲ 1.1%€3.0m▼ 0.8%€2.8m▼ 8.6%€2.6m▼ 5.6%
Debt€2.0m▼ 3.2%€2.1m▲ 1.3%€1.9m▼ 9.9%€1.6m▼ 13.1%€1.3m▼ 17.2%
Working capital€636,048▲ 144%€568,486▼ 10.6%€769,771▲ 35.4%€784,284▲ 1.9%€964,485▲ 23.0%
Staff (FTE)30.5▲ 29.8%36.7▲ 20.3%39.6▲ 7.9%38.5▼ 2.8%37.9▼ 1.6%
Why a figure moved sharply
- 2023 Net result +2,106% on 2022. Cause not known from the registers.
- 2022 Net result -98% on 2021. Cause not known from the registers.
- 2021 Equity +55% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €185,451 after a loss of €11,134 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets
€391,754 ▼ 31.7%
Current assets
€2.2m ▲ 1.3%
Equity and liabilities €2.6m
Equity
€1.3m ▲ 10.9%
Debt
€1.3m ▼ 17.2%
Debt's share of the balance-sheet total falls from 58.6% to 51.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€412,972▲
2024 · €242,926
Cash flow
€351,875▲
2024 · €235,774
Current ratio
1.78▲
2024 · 1.56
Quick ratio
1.27▲
2024 · 1.11
Debt to equity
1.06▼
2024 · 1.41
ROE
9.8%▲
2024 · -1.6%
ROA
4.8%▲
2024 · -0.7%
Interest coverage
8.45▲
2024 · 4.60
Debt ≤ 1 year
€1.2m▼
2024 · €1.4m
Debt > 1 year
€45,559▼
2024 · €185,242
Income taxes
€56,515▲
2024 · €5,103
Staff costs
€1.4m▲
2024 · €1.4m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,637 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 96% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.4%
went bankrupt
3.6%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.1% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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 1,637 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €160,623 | €187,023 | - | - | €14,607 | - |
| Remuneration, social security and pensions62 | €929,048 | €1.2m | €1.3m | €1.4m | €1.4m | ▲ 1.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €273,498 | €286,029 | €291,087 | €254,060 | €227,521 | ▼ 10.4% |
| Other operating charges640/8 | €65,177 | €67,970 | €71,486 | €66,554 | €119,482 | ▲ 79.5% |
| Non-recurring operating charges66A | €1,061 | €565 | - | - | €10,774 | - |
| Gross operating margin9900 | €1.7m | €1.6m | €1.7m | €1.7m | €2.0m | ▲ 14.5% |
| Operating profit (loss)9901 | €470,522 | €39,737 | €115,539 | -€11,134 | €185,451 | ▲ 1,766% |
| Financial income75/76B | €25,589 | €25,929 | €192,144 | €57,210 | €44,291 | ▼ 22.6% |
| Recurring financial income75 | €25,589 | €25,929 | €42,379 | €39,912 | €44,291 | ▲ 11.0% |
| Non-recurring financial income76B | - | - | €149,765 | €17,297 | - | - |
| Financial charges65/66B | €47,448 | €50,676 | €57,559 | €59,258 | €48,873 | ▼ 17.5% |
| Recurring financial charges65 | €47,448 | €50,676 | €55,434 | €52,809 | €48,873 | ▼ 7.5% |
| Non-recurring financial charges66B | - | - | €2,125 | €6,449 | - | - |
| Profit (loss) for the period before taxes9903 | €448,664 | €14,991 | €250,124 | -€13,182 | €180,869 | ▲ 1,472% |
| Income taxes67/77 | €102,263 | €6,940 | €72,535 | €5,103 | €56,515 | ▲ 1,007% |
| Profit (loss) for the period9904 | €346,401 | €8,051 | €177,589 | -€18,285 | €124,354 | ▲ 780% |
| Transfer from tax-exempt reserves789 | - | - | €63,150 | €168,400 | €84,200 | ▼ 50.0% |
| Transfer to tax-exempt reserves689 | €168,400 | - | €84,200 | - | €147,350 | - |
| Profit (loss) for the period to be appropriated9905 | €178,001 | €8,051 | €156,539 | €150,115 | €61,204 | ▼ 59.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.0m | €3.0m | €3.0m | €2.8m | €2.6m | ▼ 5.6% |
| Formation expenses20 | €145,730 | €83,591 | €21,451 | - | - | - |
| Fixed assets21/28 | €1.1m | €987,326 | €794,791 | €573,842 | €391,754 | ▼ 31.7% |
| Tangible fixed assets22/27 | €1.1m | €963,901 | €747,009 | €557,944 | €350,188 | ▼ 37.2% |
| Land and buildings22 | - | €82,343 | €80,990 | €77,788 | €73,377 | ▼ 5.7% |
| Plant, machinery and equipment23 | €738,640 | €597,999 | €437,802 | €308,633 | €146,701 | ▼ 52.5% |
| Furniture and vehicles24 | €204,356 | €162,094 | €116,196 | €68,946 | €36,977 | ▼ 46.4% |
| Leasing and similar rights25 | €130,910 | €121,466 | €112,021 | €102,577 | €93,132 | ▼ 9.2% |
| Financial fixed assets28 | €10,008 | €23,425 | €47,782 | €15,898 | €41,566 | ▲ 161% |
| Current assets29/58 | €1.8m | €2.0m | €2.2m | €2.2m | €2.2m | ▲ 1.3% |
| Amounts receivable after more than one year29 | - | - | - | - | €500,000 | - |
| Other amounts receivable291 | - | - | - | - | €500,000 | - |
| Stocks and contracts in progress3 | €496,072 | €560,221 | €612,830 | €635,873 | €630,134 | ▼ 0.9% |
| Stocks30/36 | €496,072 | €560,221 | €612,830 | €635,873 | €630,134 | ▼ 0.9% |
| Amounts receivable within one year40/41 | €235,789 | €341,689 | €306,482 | €720,540 | €274,865 | ▼ 61.9% |
| Trade receivables40 | €203,365 | €263,783 | €239,480 | €118,701 | €198,654 | ▲ 67.4% |
| Other amounts receivable41 | €32,424 | €77,906 | €67,002 | €601,839 | €76,211 | ▼ 87.3% |
| Cash at bank and in hand54/58 | €992,438 | €1.0m | €1.2m | €778,323 | €739,700 | ▼ 5.0% |
| Deferred charges and accrued income490/1 | €51,620 | €56,485 | €42,066 | €44,483 | €62,842 | ▲ 41.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.0m | €3.0m | €3.0m | €2.8m | €2.6m | ▼ 5.6% |
| Equity10/15 | €972,964 | €981,016 | €1.2m | €1.1m | €1.3m | ▲ 10.9% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Capital10 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Issued capital100 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Reserves13 | €645,473 | €653,524 | €831,112 | €831,112 | €955,467 | ▲ 15.0% |
| Non-distributable reserves130/1 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Legal reserve130 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Tax-exempt reserves132 | €231,550 | €231,550 | €252,600 | €84,200 | €147,350 | ▲ 75.0% |
| Distributable reserves133 | €398,923 | €406,974 | €563,512 | €731,912 | €793,117 | ▲ 8.4% |
| Profit (loss) carried forward14 | €177,492 | €177,492 | €177,492 | €159,207 | €159,207 | = |
| Amounts payable17/49 | €2.0m | €2.1m | €1.9m | €1.6m | €1.3m | ▼ 17.2% |
| Amounts payable after more than one year17 | €843,542 | €622,804 | €401,467 | €185,242 | €45,559 | ▼ 75.4% |
| Financial debts170/4 | €843,542 | €622,804 | €401,467 | €185,242 | €45,559 | ▼ 75.4% |
| Amounts payable within one year42/48 | €1.1m | €1.4m | €1.4m | €1.4m | €1.2m | ▼ 10.9% |
| Current portion of amounts payable after more than one year42 | €226,789 | €229,071 | €221,337 | €224,812 | €148,016 | ▼ 34.2% |
| Financial debts43 | - | - | - | - | €70,381 | - |
| Credit institutions430/8 | - | - | - | - | €70,381 | - |
| Trade debts44 | €745,025 | €938,413 | €1.0m | €1.0m | €856,334 | ▼ 15.5% |
| Suppliers440/4 | €745,025 | €938,413 | €1.0m | €1.0m | €856,334 | ▼ 15.5% |
| Taxes, remuneration and social security45 | €167,912 | €232,294 | €197,239 | €156,505 | €168,182 | ▲ 7.5% |
| Taxes450/3 | €62,263 | €102,245 | €25,514 | €5,934 | €6,239 | ▲ 5.1% |
| Remuneration and social security454/9 | €105,649 | €130,049 | €171,725 | €150,571 | €161,943 | ▲ 7.6% |
| Other amounts payable47/48 | €144 | €144 | €144 | €144 | €144 | = |
| Accrued charges and deferred income492/3 | €49,185 | €35,584 | €25,941 | €32,565 | €46,006 | ▲ 41.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €346,401 | €8,051 | €177,589 | -€18,285 | €124,354 | ▲ 780% |
| + Depreciation and write-downs630 | €273,498 | €286,029 | €291,087 | €254,060 | €227,521 | ▼ 10.4% |
| Operating cash flow (approximation) | €619,898 | €294,080 | €468,676 | €235,774 | €351,875 | ▲ 49.2% |
| Investment in fixed assets (approximation) | - | -€189,442 | -€98,552 | -€33,110 | -€45,433 | ▼ 37.2% |
| Change in cash | - | €17,576 | €226,115 | -€457,805 | -€38,624 | ▲ 91.6% |
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
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 13 days late
2025
31-12
Financial
Back to profitnet €124,354
Net result €124,354 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€18,285
Net result drops to -€18,285, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
31-12
Financial
Equity above €1mEq €1.2m ▲18.1%
5 profitable years in a row build equity to €1.2m.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2019net €346,401 ▲46.8%
Operating result €470,522, net result €346,401, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
31-12
Financial
Equity above €500,000Eq €626,564 ▲60.4%
2 profitable years in a row build equity to €626,564.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Braine-le-Comte · 1 establishment unit since 2019
Ground area
6,788 m²
Building footprint
1,931 m²
Parcel 55004E0193/00B004, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Intermarché Braine-Le-Comte
since 20192.289.274.729
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55004E0193/00B004 | Wallonia | 6,788 m² | 1 · 1,931 m² | - |
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.
Structure & network
Owners and holdings
1 ownerOwners 1
-
47.63%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBraine-le-Comte2.289.274.729
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 1,989 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0726441116
Registered
12-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.