BOBOLI · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BOBOLI is 0.6% (low). The 2024 annual accounts show equity of €375k and a net result of €36k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 6722 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 85% of 6722 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 27 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	12-08-2025	12 d late	2025-00380294
31-12-2023	31-07-2024	16-08-2024	16 d late	2024-00356479
31-12-2022	31-07-2023	21-07-2023	10 d early	2023-00281004
31-12-2021	31-07-2022	22-07-2022	9 d early	2022-20219370
31-12-2020	31-07-2021	21-06-2021	40 d early	2021-22900473
31-12-2019	31-07-2020	04-08-2020	4 d late	2020-39000441
31-12-2018	31-07-2019	22-08-2019	22 d late	2019-50100423
31-12-2017	31-07-2018	11-10-2018	72 d late	2018-69200267
31-12-2016	31-07-2017	23-09-2017	54 d late	2017-62400080
31-12-2015	31-07-2016	22-09-2016	53 d late	2016-60800133

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2002, 24 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.6% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€36k-29.4%

Working capital€392k+5.7%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 12-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~6.5%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	64.7%	20.4%	better than 85% of 6722 sector peers
Net result	€36k	€4k	better than 85% of 6703 sector peers
Equity	€375k	€16k	better than 95% of 6737 sector peers
Gross operating margin	€86k	€24k	better than 78% of 6682 sector peers
Staff costs	€23k	€33k	higher than 40% of 3049 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P85

Stable position over 2020-2024 · n=1505-6722

Net result P85

Improving position over 2020-2024 · n=1499-6703

Equity P95

Stable position over 2020-2024 · n=1508-6737

Gross operating margin P78

Stable position over 2020-2024 · n=1494-6682

Describes the position versus peers, not a forecast.

EBITDA

€62k

-22.5% 18-24

Net profit

€36k

-29.4% 18-24

Cash flow

€45k

-22.0% 18-24

Total assets

€580k

0.0% 18-24

Equity

€375k

+7.8% 18-24

Working capital

€392k

+5.7% 18-24

Employees (FTE)

1

+200.0% 18-24

Staff costs

€23k

-9.8% 18-24

Show 11 other metrics

Income taxes

€11k

-33.4% 18-24

Debt

€167k

-13.8% 18-24

Debt ≤ 1y

€112k

-17.9% 18-24

Debt > 1y

€50k

-6.0% 18-24

Current ratio

4.50

+21.0% 18-24

Quick ratio

1.96

+23.3% 18-24

Solvency

64.7%

+7.7% 18-24

Debt / equity

0.45

-20.1% 18-24

ROE

9.6%

-34.5% 18-24

ROA

6.2%

-29.4% 18-24

Interest coverage

10.44

-17.5% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€62k
Net profit	€36k
Cash flow	€45k
Staff costs	€23k
Income taxes	€11k
Dividends	-
Total assets	€580k
Equity	€375k
Debt	€167k
of which ≤ 1y	€112k
of which > 1y	€50k
Working capital	€392k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	4.50
Quick ratio	1.96
Working capital ratio	67.7%
Solvency	64.7%
Debt / equity	0.45
Long-term debt ratio	0.13
Interest coverage	10.44
Gross margin	-
Net margin	-
ROA	6.2%
ROE	9.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €75k · 13.0% Current assets €505k · 87.0%

Equity & liabilities

Equity €375k · 64.7% Provisions €38k · 6.5% Debt €167k · 28.8%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€580k
Fixed assets	21/28	€75k
Tangible fixed assets	22/27	€75k
Current assets	29/58	€505k
Stocks & contracts in progress	3	€285k
Amounts receivable within one year	40/41	€5k
Cash & bank	54/58	€210k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€580k
Equity	10/15	€375k
Contributions / capital	10/11	€69k
Reserves	13	€158k
Accumulated profits (losses)	14	€148k
Provisions & deferred taxes	16	€38k
Amounts payable	17/49	€167k
Amounts payable after one year	17	€50k
Amounts payable within one year	42/48	€112k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€86k
Operating result	9901	€53k
Financial income	75	€354
Financial charges	65	€6k
Result before taxes	9903	€47k
Income taxes	67/77	€11k
Net result for the period	9904	€36k
Result to be appropriated	9905	€36k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Stormestraat 1028790 Waregem

Establishment units

1 location

BOBOLI

Stormestraat 102, 8790 WaregemDetailhandel in bovenkleding voor dames

since 20022.096.244.828

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area206 m²

Buildings1

Building footprint206 m²

Volume (LiDAR)2,044 m³

Tallest building14.9 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34040C0691/00M000	Flanders	206 m²	1 · 206 m²	14.9 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 act

All acts · 1 updated 22 years ago

2003

08-12-2003 Publication in the Belgian Official Gazette, Minor change Minor change

Summary: Other address change

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

77 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 48

Solvency 100

Growth 52

Stability 100

Credit advice

verdict per customer and amount

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We hold annual accounts for 513 of the 6,486 companies in this sector. 228 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Detailhandel in baby- en kinderbovenkleding47713Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)52421Detailhandel in baby- en kinderkleding52424Groothandel in kleding, met uitzondering van werk- en onderkleding46423Groothandel in kleding, kledingtoebehoren en bontartikelen51421

Primary activity highlighted.

Names & trade names

Legal nameNL

BOBOLI

Registered office

Stormestraat 102

8790 Waregem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.