BOPADIS
ActiveSummary
BOPADIS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €520,595 and a net result of €57,061. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 4235 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-1
Solvency92▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 2.77 against 2.45 in 2024; short-term debt: 31.6% and cash: 63.3% of total assets), and 33.1% 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
66.9%
Return on assets
7.3%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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 · 6 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
2 d late
2022
31 d late
2021
31 d late
2020
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 25 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#9 company by equity in Gouvy, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€57,061▼ 8.3%
2024 · €62,257
Working capital
€434,479▲ 16.4%
2024 · €373,131
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
Operating result€163,309▼ 20.1%€135,322▼ 17.1%€96,473▼ 28.7%€91,809▼ 4.8%€80,721▼ 12.1%
Net result€119,788within the sector's middle half▼ 17.7%€97,144within the sector's middle half▼ 18.9%€65,937within the sector's middle half▼ 32.1%€62,257within the sector's middle half▼ 5.6%€57,061within the sector's middle half▼ 8.3%
Equity€285,255within the sector's middle half▲ 72.4%€382,399within the sector's middle half▲ 34.1%€448,336within the sector's middle half▲ 17.2%€463,534within the sector's middle half▲ 3.4%€520,595within the sector's middle half▲ 12.3%
Total assets€625,454within the sector's middle half▲ 10.0%€711,092within the sector's middle half▲ 13.7%€746,211within the sector's middle half▲ 4.9%€755,483within the sector's middle half▲ 1.2%€777,802within the sector's middle half▲ 3.0%
Debt€340,199▼ 15.6%€328,693▼ 3.4%€297,875▼ 9.4%€291,949▼ 2.0%€257,207▼ 11.9%
Working capital€221,374within the sector's middle half▲ 59.9%€298,232within the sector's middle half▲ 34.7%€354,143within the sector's middle half▲ 18.7%€373,131within the sector's middle half▲ 5.4%€434,479within the sector's middle half▲ 16.4%
Solvency45.6%within the sector's middle half▲ 16.5pp53.8%within the sector's middle half▲ 8.2pp60.1%above the sector's middle half▲ 6.3pp61.4%above the sector's middle half▲ 1.3pp66.9%above the sector's middle half▲ 5.6pp
Current ratio1.91within the sector's middle half▲ 0.442.22within the sector's middle half▲ 0.312.48above the sector's middle half▲ 0.252.45above the sector's middle half▼ 0.032.77above the sector's middle half▲ 0.32
Return on assets (ROA)19.2%above the sector's middle half▼ 6.4pp13.7%above the sector's middle half▼ 5.5pp8.8%within the sector's middle half▼ 4.8pp8.2%within the sector's middle half▼ 0.6pp7.3%within the sector's middle half▼ 0.9pp
Staff (FTE)6.5within the sector's middle half▲ 38.3%6.3within the sector's middle half▼ 3.1%6.7within the sector's middle half▲ 6.3%6.2within the sector's middle half▼ 7.5%6.2within the sector's middle half=
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.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €777,190
Fixed assets
€96,714 ▼ 21.9%
Current assets
€680,476 ▲ 7.8%
Equity and liabilities €777,802
Equity
€520,595 ▲ 12.3%
Debt
€257,207 ▼ 11.9%
Debt's share of the balance-sheet total falls from 38.6% to 33.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122,557▼
2024 · €141,017
Cash flow
€98,898▼
2024 · €111,465
Quick ratio
2.16▲
2024 · 1.86
Debt to equity
0.49▼
2024 · 0.63
ROE
11.0%▼
2024 · 13.4%
Interest coverage
11.67▲
2024 · 11.26
Debt ≤ 1 year
€245,997▼
2024 · €257,816
Debt > 1 year
€3,481▼
2024 · €26,752
Income taxes
€15,950▼
2024 · €17,066
Staff costs
€175,108▼
2024 · €183,593
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% 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
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 26,970 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 | - | - | - | €1,985 | €6,500 | ▲ 227% |
| Remuneration, social security and pensions62 | €140,488 | €164,583 | €185,332 | €183,593 | €175,108 | ▼ 4.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,568 | €30,844 | €43,586 | €49,208 | €41,837 | ▼ 15.0% |
| Other operating charges640/8 | €6,994 | €7,747 | €7,420 | €8,079 | €8,083 | = |
| Non-recurring operating charges66A | - | €738 | - | - | €2,965 | - |
| Gross operating margin9900 | €336,359 | €339,234 | €332,811 | €332,689 | €308,714 | ▼ 7.2% |
| Operating profit (loss)9901 | €163,309 | €135,322 | €96,473 | €91,809 | €80,721 | ▼ 12.1% |
| Financial income75/76B | €84 | €63 | €57 | €34 | €2,791 | ▲ 8,108% |
| Recurring financial income75 | €84 | €63 | €57 | €34 | €2,791 | ▲ 8,108% |
| Financial charges65/66B | €11,431 | €11,545 | €12,305 | €12,520 | €10,500 | ▼ 16.1% |
| Recurring financial charges65 | €11,431 | €11,545 | €12,305 | €12,520 | €10,500 | ▼ 16.1% |
| Profit (loss) for the period before taxes9903 | €151,962 | €123,840 | €84,225 | €79,323 | €73,011 | ▼ 8.0% |
| Income taxes67/77 | €32,174 | €26,696 | €18,288 | €17,066 | €15,950 | ▼ 6.5% |
| Profit (loss) for the period9904 | €119,788 | €97,144 | €65,937 | €62,257 | €57,061 | ▼ 8.3% |
| Profit (loss) for the period to be appropriated9905 | €119,788 | €97,144 | €65,937 | €62,257 | €57,061 | ▼ 8.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €625,454 | €711,092 | €746,211 | €755,483 | €777,802 | ▲ 3.0% |
| Formation expenses20 | €2,034 | €1,616 | €1,198 | €780 | €613 | ▼ 21.4% |
| Fixed assets21/28 | €158,928 | €167,472 | €151,304 | €123,756 | €96,714 | ▼ 21.9% |
| Tangible fixed assets22/27 | €158,928 | €167,472 | €151,304 | €123,756 | €95,214 | ▼ 23.1% |
| Plant, machinery and equipment23 | €120,650 | €111,897 | €93,865 | €85,424 | €70,518 | ▼ 17.4% |
| Furniture and vehicles24 | €38,278 | €55,575 | €57,439 | €38,332 | €24,696 | ▼ 35.6% |
| Financial fixed assets28 | - | - | - | - | €1,500 | - |
| Current assets29/58 | €464,492 | €542,004 | €593,709 | €630,947 | €680,476 | ▲ 7.8% |
| Stocks and contracts in progress3 | €123,651 | €141,663 | €143,057 | €151,673 | €148,184 | ▼ 2.3% |
| Stocks30/36 | €123,651 | €141,663 | €143,057 | €151,673 | €148,184 | ▼ 2.3% |
| Amounts receivable within one year40/41 | €11,428 | €13,972 | €30,695 | €38,665 | €33,285 | ▼ 13.9% |
| Trade receivables40 | €11,428 | €13,789 | €23,893 | €30,641 | €27,395 | ▼ 10.6% |
| Other amounts receivable41 | €0 | €183 | €6,802 | €8,024 | €5,890 | ▼ 26.6% |
| Current investments50/53 | - | - | - | €240,000 | - | - |
| Cash at bank and in hand54/58 | €324,181 | €380,697 | €411,024 | €195,608 | €492,076 | ▲ 152% |
| Deferred charges and accrued income490/1 | €5,232 | €5,672 | €8,933 | €5,001 | €6,932 | ▲ 38.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €625,454 | €711,092 | €746,211 | €755,483 | €777,802 | ▲ 3.0% |
| Equity10/15 | €285,255 | €382,399 | €448,336 | €463,534 | €520,595 | ▲ 12.3% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | €20,000 | €20,000 | - | - | - |
| Issued capital100 | €20,000 | €20,000 | €20,000 | - | - | - |
| Outside capital11 | - | - | - | €20,000 | €20,000 | = |
| Other1109/19 | - | - | - | €20,000 | €20,000 | = |
| Reserves13 | €265,255 | €362,399 | €428,336 | €443,534 | €500,595 | ▲ 12.9% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Legal reserve130 | €2,000 | €2,000 | €2,000 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2,000 | €2,000 | = |
| Distributable reserves133 | €263,255 | €360,399 | €426,336 | €441,534 | €498,595 | ▲ 12.9% |
| Amounts payable17/49 | €340,199 | €328,693 | €297,875 | €291,949 | €257,207 | ▼ 11.9% |
| Amounts payable after more than one year17 | €96,554 | €73,720 | €50,456 | €26,752 | €3,481 | ▼ 87.0% |
| Financial debts170/4 | €96,554 | €73,720 | €50,456 | €26,752 | €3,481 | ▼ 87.0% |
| Amounts payable within one year42/48 | €243,118 | €243,772 | €239,566 | €257,816 | €245,997 | ▼ 4.6% |
| Current portion of amounts payable after more than one year42 | €39,952 | €37,460 | €37,967 | €38,419 | €23,271 | ▼ 39.4% |
| Trade debts44 | €154,196 | €151,138 | €145,473 | €141,202 | €194,183 | ▲ 37.5% |
| Suppliers440/4 | €154,196 | €151,138 | €145,473 | €141,202 | €194,183 | ▲ 37.5% |
| Taxes, remuneration and social security45 | €28,968 | €35,172 | €36,124 | €38,193 | €28,542 | ▼ 25.3% |
| Taxes450/3 | €5,030 | €1,884 | €2,475 | €9,018 | €207 | ▼ 97.7% |
| Remuneration and social security454/9 | €23,938 | €33,288 | €33,649 | €29,175 | €28,334 | ▼ 2.9% |
| Other amounts payable47/48 | €20,002 | €20,002 | €20,002 | €40,002 | €2 | ▼ 100.0% |
| Accrued charges and deferred income492/3 | €527 | €11,201 | €7,853 | €7,381 | €7,730 | ▲ 4.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €119,788 | €97,144 | €65,937 | €62,257 | €57,061 | ▼ 8.3% |
| + Depreciation and write-downs630 | €25,568 | €30,844 | €43,586 | €49,208 | €41,837 | ▼ 15.0% |
| Operating cash flow (approximation) | €145,356 | €127,988 | €109,523 | €111,465 | €98,898 | ▼ 11.3% |
| Investment in fixed assets (approximation) | - | -€39,388 | -€27,418 | -€21,660 | -€14,794 | ▲ 31.7% |
| Change in cash | - | €56,516 | €30,327 | -€215,416 | €296,468 | ▲ 238% |
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
30-09
Financial
Weakest financial yearnet €57,061 ▼8.3%
Net result drops to €57,061, the lowest in the series.
30-09
Financial
Equity above €500,000Eq €520,595 ▲12.3%
6 profitable years in a row build equity to €520,595.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-09
Financial
Equity above €200,000Eq €285,255 ▲72.4%
2 profitable years in a row build equity to €285,255.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Gouvy · 1 establishment unit since 2019
Ground area
718 m²
Building footprint
290 m²
Parcel 82015A0954/00D008, Wallonia. Linked by address, not a title deed.
1 establishment unit
SPAR
since 20192.300.183.467
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82015A0954/00D008 | Wallonia | 718 m² | 1 · 289 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.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyGouvy2.300.183.467
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VAN VOOREN - D'HOEDT
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 3,091 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
Founded30-09-2019
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0735451624
Also
9925:BE0735451624
Registered
13-08-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.