Equity
€232,123 ▲ 3.6%
BLOC-NOTES paid out €14,000 in dividends. That is 64% of the 2025 profit.
BLOC-NOTES
Lifetime
20 annual accounts with figures on one time axis, 40 filings since 1986peak €31,760 (2023)
€30,185▲ 0.4%
peak €23,146 (2024)
€21,988▼ 5.0%
peak €232,123 (2025)
€232,123▲ 3.6%
€27,106▼ 1.2%
Board1 name since 2005
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Dividend €14,000Cash from €1,052 to €2,194
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 61% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025highest value
07-2025: 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €259,228
Founded in 1986
Equity €232,123 (89.5% of total assets)
Figures for financial year 2025 (filed on 29-06-2026)
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 (no NACE code, micro). It does better than 81% of them on solvency, 43% on liquidity, 62% on profitability and 58% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as BLOC-NOTES has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BLOC-NOTES itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for BLOC-NOTES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €21,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.99 (8.56 in 2024), above the usual 1.5. Short-term debt is 9.9% and cash 0.8% of total assets. 10.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
48 days early
2023
33 days early
2022
34 days early
2021
3 days early
2020
24 days early
2019
81 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 13 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Guillaume Marie-Christine Bertha Fernande Emilie Louise Adolphine Ghislaine 375 sharesdeed of 27-07-2023
- DELFORGE Bernard Albert Marie Thérèse Edgard 375 sharesdeed of 27-07-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0428909551
Appointment: DELFORGE Bernard Albert Marie Thérèse Edgard (director)
“texte adopté ARTICLE TROIS” (deed in French) · Guillaume Marie-Christine Bertha Fernande Emilie Louise Adolphine Ghislaine holds 375 shares · DELFORGE Bernard Albert Marie Thérèse Edgard holds 375 shares · General meeting of 14-07-2023 · Gazette deed
First establishment
Boulevard de la Meuse 17, Namur
Incorporation
published on 01-07-1986 · Gazette deed
Official details
Source: KBO- Status
- Active since 02-06-1986Normal situation
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.036.840.3455100 Namur, since 24-06-1986
- Financial year end
- 31 December
- Peppol
- Reachable since 15-10-2025
Annual accounts 2025
- €259,228▲ 3.0%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on BLOC-NOTES
BLOC-NOTES files the micro format. That format states no turnover. The gross margin rose from €20,500 in 2006 to €30,185 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BLOC-NOTES
- What is the company number of BLOC-NOTES?
- The company number of BLOC-NOTES is 0428.909.551. The VAT number is the same number with BE in front: BE 0428.909.551.
- Where is BLOC-NOTES based?
- The registered office is at Boulevard de la Meuse 17, 5100 Namur.Company details
- What is the legal form of BLOC-NOTES?
- BLOC-NOTES is a private limited company (BV).
- When was BLOC-NOTES founded?
- BLOC-NOTES was founded on 02-06-1986.
- Is BLOC-NOTES still active?
- Yes, BLOC-NOTES is an active enterprise in the KBO register.
- What is the turnover of BLOC-NOTES?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €30,185 and 2,946 comparable companies of the same size. It probably lies between €73,000 and €220,000. It is a rough estimate.Financials
- Is BLOC-NOTES profitable?
- In financial year 2025, BLOC-NOTES made a profit of €21,988.
- Where can I find the annual accounts of BLOC-NOTES?
- BLOC-NOTES filed 40 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BLOC-NOTES due?
- BLOC-NOTES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.