Financials
- Financial year
- 2025
- Total assets
- €316,718
- Loss
- -€21,171
- Solvency
- -9.5%
Total assets▼ 5.6%
Net result
20232025
CHEESE AND MORE
ActiveSummary
CHEESE AND MORE has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€30,199) and a net result of -€21,171. Equity is shrinking by about 94% per year across the filed financial years. Its solvency ranks better than 19% of 22,536 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Activity
Retail trade
NACE 47271
1 site
Size
€316,718total assets 2025
- Equity
- -€30,199
- Loss
- -€21,171
Turnover not published (abbreviated or micro format)
Structure
Accounts 16 days early0 of 1 deed read
Why 53raises riskCapped at 59: negative equityNegative equity -€30,199Sector: Retail trade (NACE 47)Loss of €21,171 (financial year 2025)lowers riskSize: total assets €316,718Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 21% of its sector peers (NACE 47, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency
15-7
equity -9.5% of total assets
Liquidity
46-3
short-term debt 27.0% · cash 5.3%
Profitability
20-22
return on assets -6.7%
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.5%
12-2024: 1.5%● unchanged vs 11-2024
01-2025: 1.5%● unchanged vs 12-2024
02-2025: 1.5%● unchanged vs 01-2025
03-2025: 1.5%● unchanged vs 02-2025
04-2025: 1.6%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 1.6%● unchanged vs 04-2025
06-2025: 1.5%▼ -0.1 percentage points vs 05-2025
07-2025: 1.4%▼ -0.1 percentage points vs 06-2025
08-2025: 1.4%● unchanged vs 07-2025
09-2025: 1.4%● unchanged vs 08-2025
10-2025: 1.4%● unchanged vs 09-2025
11-2025: 1.4%● unchanged vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.4%● unchanged vs 12-2025
02-2026: 1.4%● unchanged vs 01-2026
03-2026: 1.4%● unchanged vs 02-2026
04-2026: 1.5%▲ +0.1 percentage points vs 03-2026
05-2026: 1.6%▲ +0.1 percentage points vs 04-2026
06-2026: 1.4%▼ -0.2 percentage points vs 05-2026lowest value
07-2026: 1.4%● unchanged vs 06-2026
08-2026: 1.4%● unchanged vs 07-2026
09-2026: 1.4%● unchanged vs 08-2026
10-2026: 1.4%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.39, compared with 0.53 in 2024, below 1; short-term debt: 27% and cash: 5.3% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 16% on solvency, 45% on liquidity, 22% on profitability and 3% on growth.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€30,199
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 days early
2024
143 days early
2023
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 55 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 July (3 of the last 3 filed years within 127 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€21,171
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Timeline
- Events
- 5
- Since
- 2024
- Next accounts
- by 31-07-2027
- 31-12-2024Back to profit
- 24-07-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail tradeNACE 47271
- Founded
- 19-10-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about CHEESE AND MORE
- What is the company number of CHEESE AND MORE?
- 0792.632.530. In Belgium the VAT number is the company number with BE in front: BE 0792.632.530.
- Where is CHEESE AND MORE based?
- The registered office is at Karel de Ghelderelaan 2 A, 8820 Torhout.Company details
- What does CHEESE AND MORE do?
- According to the KBO register, the main activity is retail trade (NACE 47271).
- What is the legal form of CHEESE AND MORE?
- Private limited company (BV).
- When was CHEESE AND MORE founded?
- On 19-10-2022.
- Is CHEESE AND MORE still active?
- Yes, CHEESE AND MORE is an active enterprise in the KBO register.
- What is the turnover of CHEESE AND MORE?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is CHEESE AND MORE profitable?
- In financial year 2025, CHEESE AND MORE made a loss of €21,171.
- Where can I find the annual accounts of CHEESE AND MORE?
- CHEESE AND MORE filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CHEESE AND MORE due?
- By 31-07-2027, for financial year 2026.Timeline
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