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COMME UNE EVIDENCE

Active
Private limited company·Overige niet-gespecialiseerde detailhandel· 3 yrs active
Rue des Alisiers 10 ·4400 Flémalle, Belgium
KBO/BCE: BE 0790.872.276
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Age3 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of COMME UNE EVIDENCE is 2.1% (moderate). The 2025 annual accounts show equity of €17k and a net result of €83. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 1406 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

3 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 81% of 1406 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€83-98.8%
Working capital€10k+35.9%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 02-06-2026 with the NBB · fiscal year 2025 · micro
€0€3k€5k€8k€10kOperating result 2022: €3k€3kNet result 2022: €1k€1kOperating result 2023: €10k€10kNet result 2023: €6k€6kOperating result 2024: €9k€9kNet result 2024: €7k€7kOperating result 2025: €2k€2kNet result 2025: €83€832022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~38.7%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€10k€20k€30k€40k2026: €26k (€24k - €28k)2027: €32k (€29k - €35k)2028: €37k (€33k - €42k)2022: €4k2023: €11k2024: €17k2025: €17k2022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 65.4% 23.7%
better than 81% of 1406 sector peers
Net result €83 €8k
better than 30% of 1403 sector peers
Equity €17k €26k
better than 42% of 1407 sector peers
Gross operating margin €5k €36k
better than 22% of 1400 sector peers
Total assets €27k €133k
better than 14% of 1407 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P81
2022: P51 · n=42782023: P62 · n=57052024: P83 · n=66952025: P81 · n=14062022 2025
Improving position over 2022-2025 · n=1406-6695
Net result P30
2022: P45 · n=42662023: P57 · n=56852024: P56 · n=66752025: P30 · n=14032022 2025
Stable position over 2022-2025 · n=1403-6675
Equity P42
2022: P34 · n=42862023: P44 · n=57122024: P51 · n=67092025: P42 · n=14072022 2025
Improving position over 2022-2025 · n=1407-6709
Gross operating margin P22
2022: P31 · n=42562023: P40 · n=56592024: P38 · n=66542025: P22 · n=14002022 2025
Stable position over 2022-2025 · n=1400-6654
Describes the position versus peers, not a forecast.
EBITDA
€5k
-56.0% -86% vs sector
Net profit
€83
-98.8% -98% vs sector
Cash flow
€3k
-72.2% -92% vs sector
Total assets
€27k
-5.5% -94% vs sector
Equity
€17k
+0.5% -91% vs sector
Working capital
€10k
+35.9% -94% vs sector
Income taxes
€2k
-12.4% -95% vs sector
Debt
€9k
-15.2% -95% vs sector
Debt ≤ 1y
€9k
-15.2% -94% vs sector
Current ratio
2.05
+23.7% +31% vs sector
Quick ratio
1.15
+20.1% -25% vs sector
Solvency
65.4%
+6.4% +83% vs sector
Debt / equity
0.53
-15.6% -71% vs sector
ROE
0.5%
-98.8% -93% vs sector
ROA
0.3%
-98.7% -86% vs sector
Interest coverage
7.06
-92.0% -45% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€5k
Net profit€83
Cash flow€3k
Staff costs-
Income taxes€2k
Dividends-
Total assets€27k
Equity€17k
Debt€9k
of which ≤ 1y€9k
of which > 1y-
Working capital€10k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.05
Quick ratio1.15
Working capital ratio36.1%
Solvency65.4%
Debt / equity0.53
Long-term debt ratio-
Interest coverage7.06
Gross margin-
Net margin-
ROA0.3%
ROE0.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€27k
Fixed assets 21/28€8k
Tangible fixed assets 22/27€8k
Current assets 29/58€19k
Stocks & contracts in progress 3€8k
Amounts receivable within one year 40/41€777
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€27k
Equity 10/15€17k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€14k
Amounts payable 17/49€9k
Amounts payable within one year 42/48€9k
Trade debts payable within one year 44€863
Income statement
Gross operating margin 9900€5k
Operating result 9901€2k
Financial charges 65€695
Result before taxes 9903€2k
Income taxes 67/77€2k
Net result for the period 9904€83
Result to be appropriated 9905€83
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
86 / 100 Excellent
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location
COMME UNE EVIDENCE
Rue des Alisiers 10, 4400 FlémalleVervaardiging van andere kleding en toebehoren, n.e.g.
since 20222.337.935.075
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area807 m²
Buildings1
Building footprint105 m²
Volume (LiDAR)514 m³
Tallest building6.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62072B0719/00M000 Wallonia 807 m² 1 · 105 m² 6.8 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health86Profitability2Solvency100Growth52Stability94
67 / 100

Strong profile, led by solvency.

Health 86
Profitability 2
Solvency 100
Growth 52
Stability 94

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Vervaardiging van andere kleding en toebehoren, n.e.g.14199Vervaardiging van overige kleding en toebehoren, neg14299Vervaardiging van andere artikelen van hout16281Vervaardiging van andere artikelen van hout16291Vervaardiging van verlichtingsapparaten27402Vervaardiging van verlichtingsapparaten27402Vervaardiging van imitatiesieraden en dergelijke artikelen32130Vervaardiging van imitatiesieraden en dergelijke artikelen32130Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel, niet in winkels en exclusief markt- en straathandel47990
Primary activity highlighted.
Names & trade names
Legal nameFR COMME UNE EVIDENCE
Registered office
Rue des Alisiers 10
4400 Flémalle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.