Filings
Three of the last ten came late. The 2022 accounts came latest: 361 days after the end of the period.
Three of the last ten came late. The 2022 accounts came latest: 361 days after the end of the period.
Lower net result than 80% of companies in retail trade. Sector median €4,951 · 753 companies.
In July 2024, 6,908 companies had the same profile as ByCH has now. Each dot stands for 18 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,448 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 6,908 companies, not a prediction for ByCH. 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.
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.
| Company | ||||
|---|---|---|---|---|
| ByCH Houthalen-Helchteren | €117,968 | -€7,541 | 43.5% | - |
| MAD agency Beauvechain | €93,506 | -€1,239 | 40.8% | - |
| DELICATESCENCE Liège | €136,815 | -€5,671 | 29.1% | - |
| LINGERIE FIGARO Asse | €138,185 | -€11,067 | 10.3% | - |
| CONFIDENTIEL MD Uccle | €161,616 | -€36,623 | -14.9% | 1.4 |
| MATHIS Sint-Truiden | €182,462 | €0 | 100.0% | 0 |
| IIphi Gingelom | €78,503 | -€21,539 | -103.3% | - |
These companies have the same main activity as ByCH: retail trade (NACE 47714). They are comparable in size and age: total assets between €78,500 and €182,000, founded between 2004 and 2014.
ByCH files the micro format. That format states no turnover. The gross margin fell from €9,433 in 2010 to -€7,541 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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