Losses
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
Ten of the last ten came late. The 2019 accounts came latest: 108 days after the end of the period.
Higher solvency than 94% of companies in wholesale trade. Sector median 40.5% · 15,443 companies.
In July 2024, 12,344 companies had the same profile as CAISSES SERVICES has now. Each dot stands for 31 companies, two years later.
Another 0.5% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 12,344 companies, not a prediction for CAISSES SERVICES. 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 | ||||
|---|---|---|---|---|
| CAISSES SERVICES Gembloux | €119,372 | -€1,424 | 95.2% | - |
| A3-TRADING Antwerp | €118,278 | €1,265 | 11.8% | - |
| VINDUR Geel | €146,045 | -€11,701 | 67.3% | - |
| K.C.T. Tongeren-Borgloon | €88,677 | -€26,185 | 72.3% | - |
| MAT.PROTECT Flémalle | €94,814 | -€27,495 | 57.4% | - |
| VLAEMINCK -VERKOOP-VERHUUR Grimbergen | €122,186 | -€170 | 73.1% | - |
| BB en T. INTERNATIONAL Kortenaken | €92,520 | -€10,691 | 94.5% | - |
These companies have the same main activity as CAISSES SERVICES: wholesale of other machinery and equipment (NACE 46649). They are comparable in size and age: total assets between €88,700 and €146,000, founded between 1999 and 2006.
CAISSES SERVICES files the micro format. That format states no turnover. The gross margin fell from €23,263 in 2006 to -€1,424 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.
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