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BUYPACK SOLUTIONS

Active
Private limited companyfounded 20251 yr activeRue de Gozée 129, 6110 Montigny-le-Tilleul, BelgiumKBO/BCE: BE 1018.631.345
Summary

The computed 12-month bankruptcy probability of BUYPACK SOLUTIONS is 1.7% (moderate). The 2025 annual accounts show negative equity (-€15,506) and a net result of -€19,006. Its solvency ranks better than 16% of 11472 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency10
Growth-
Track record67
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.8; short-term debt: 114.9% and cash: 2.8% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-14.9%
Return on assets
-18.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 1 filing
Deviation from the deadline
2025
28 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 13 January 2025, BUYPACK SOLUTIONS was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€15,506
Total assets
€104,070
Net result
-€19,006
Working capital
-€24,102

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €104,070
Fixed assets €8,596
Current assets €95,473
Key figures and ratios
2025 value
EBITDA
-€12,834
Cash flow
-€13,335
Solvency
-14.9%
Current ratio
0.80
Debt to equity
-7.71
ROA
-18.3%
Interest coverage
-24.35
Debt
€119,575
Debt ≤ 1 year
€119,575
Staff costs
€33,606

Peer companies

Historical observation

Of the 1,323 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.7% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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 1,323 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
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€104,070
Fixed assets21/28€8,596
Tangible fixed assets22/27€8,596
Furniture and vehicles24€8,596
Current assets29/58€95,473
Amounts receivable within one year40/41€88,577
Trade receivables40€88,577
Cash at bank and in hand54/58€2,958
Deferred charges and accrued income490/1€3,938
Equity and liabilities
Total equity and liabilities10/49€104,070
Equity10/15-€15,506
Contributions10/11€3,500
Profit (loss) carried forward14-€19,006
Amounts payable17/49€119,575
Amounts payable within one year42/48€119,575
Trade debts44€91,318
Suppliers440/4€91,318
Taxes, remuneration and social security45€11,151
Taxes450/3€5,723
Remuneration and social security454/9€5,427
Other amounts payable47/48€17,107
Income statement Code2025
Remuneration, social security and pensions62€33,606
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,670
Other operating charges640/8€1,049
Gross operating margin9900€21,821
Operating profit (loss)9901-€18,505
Financial income75/76B€26
Recurring financial income75€26
Financial charges65/66B€527
Recurring financial charges65€527
Profit (loss) for the period before taxes9903-€19,006
Profit (loss) for the period9904-€19,006
Profit (loss) for the period to be appropriated9905-€19,006
Appropriation of the result
Profit (loss) to be appropriated9906-€19,006

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€33,606
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,670
Other operating charges640/8€1,049
Gross operating margin9900€21,821
Operating profit (loss)9901-€18,505
Financial income75/76B€26
Recurring financial income75€26
Financial charges65/66B€527
Recurring financial charges65€527
Profit (loss) for the period before taxes9903-€19,006
Profit (loss) for the period9904-€19,006
Profit (loss) for the period to be appropriated9905-€19,006
Line2025
Assets
Total assets20/58€104,070
Fixed assets21/28€8,596
Tangible fixed assets22/27€8,596
Furniture and vehicles24€8,596
Current assets29/58€95,473
Amounts receivable within one year40/41€88,577
Trade receivables40€88,577
Cash at bank and in hand54/58€2,958
Deferred charges and accrued income490/1€3,938
Equity and liabilities
Total equity and liabilities10/49€104,070
Equity10/15-€15,506
Contributions10/11€3,500
Profit (loss) carried forward14-€19,006
Amounts payable17/49€119,575
Amounts payable within one year42/48€119,575
Trade debts44€91,318
Suppliers440/4€91,318
Taxes, remuneration and social security45€11,151
Taxes450/3€5,723
Remuneration and social security454/9€5,427
Other amounts payable47/48€17,107
Line2025
Profit (loss) for the period9904-€19,006
+ Depreciation and write-downs630€5,670
Operating cash flow (approximation)-€13,335

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Montigny-le-Tilleul · 1 establishment unit since 2025
exact location from the address register On OpenStreetMap
Ground area
894 m²
Building footprint
63 m²
Parcel 52048A0152/00E006, Wallonia. Linked by address, not a title deed.
1 establishment unit
BUYPACK SOLUTIONS
Rue d'Edimbourg 87, 6040 CharleroiNon-specialised wholesale
since 20252.368.556.688
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52048A0152/00E006 Wallonia 894 m² 1 · 63 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.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 192 companies in sector 46493 we hold annual accounts for 85. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
46493Wholesale trade
46190Agents in non-specialised wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
46869Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018631345
Also 9925:BE1018631345
Registered 20-10-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.