Checked.be
Active
BE 0698.987.839Private limited company
CONFLUENCE ACCOUNTING
· 7 yrs active
Sector: Wholesale trade
(46810)
Conclusion
The file of CONFLUENCE ACCOUNTING contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 2.4% (average). The 2022 annual accounts show equity of €48k and a net result of €44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 261 sector peers (fiscal year 2022).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €48k |
| Net result | €44k |
| Better than sector | 48% |
| Active | 7 yrs |
Snowflake analysis
75
/ 100
Exceptional profile — strong across almost every axis.
Health
76
Profitability
100
Solvency
35
Growth
78
Stability
85
Bankruptcy probability (12 mo)
2.4%
Average
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources — not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
20 / 100
Moderate riskComponents
· 2 historical bankruptcy publications (+20)
Trust signals
Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette — no current open procedure.
Administrative Flags
No administrative flags
Health barometer
76
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit from Starter.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.
Financial overview
Annual accounts filed on 01-09-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 46 — Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 21.8% | 23.9% | |
| Net result | €44k | €4k | |
| Equity | €48k | €16k | |
| Gross operating margin | €56k | €17k | |
| Total assets | €219k | €69k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€56k
—
+20% vs sector
€44k
+36053.2%
+135% vs sector
€44k
—
+9% vs sector
€219k
+5447.3%
-8% vs sector
€48k
+1107.5%
-22% vs sector
€38k
—
-2% vs sector
€11k
—
+41% vs sector
€171k
—
+81% vs sector
€171k
—
+81% vs sector
1.22
—
-45% vs sector
1.22
—
-45% vs sector
21.8%
-78.2%
-57% vs sector
3.59
—
+87% vs sector
91.7%
+2894.1%
+212% vs sector
20.0%
+551.7%
+64% vs sector
46.82
—
-89% vs sector
Figures by fiscal year
| Fiscal year | 2022 |
|---|---|
| Revenue | — |
| EBITDA | €56k |
| Net profit | €44k |
| Cash flow | €44k |
| Staff costs | — |
| Income taxes | €11k |
| Dividends | — |
| Total assets | €219k |
| Equity | €48k |
| Debt | €171k |
| of which ≤ 1y | €171k |
| of which > 1y | — |
| Working capital | €38k |
| Employees (FTE) | — |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 1.22 |
| Quick ratio | 1.22 |
| Working capital ratio | 17.5% |
| Solvency | 21.8% |
| Debt / equity | 3.59 |
| Long-term debt ratio | — |
| Interest coverage | 46.82 |
| Gross margin | — |
| Net margin | — |
| ROA | 20.0% |
| ROE | 91.7% |
| EBITDA margin | — |
| Days sales outstanding | — |
| Days payable outstanding | — |
| Inventory turnover | — |
| Days inventory (DSI) | — |
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet — Assets | ||
| TOTAL ASSETS | 20/58 | €219k |
| Fixed assets | 21/28 | €9k |
| Tangible fixed assets | 22/27 | €8k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €210k |
| Amounts receivable within one year | 40/41 | €159k |
| Cash & bank | 54/58 | €51k |
| Balance sheet — Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €219k |
| Equity | 10/15 | €48k |
| Contributions / capital | 10/11 | €6k |
| Accumulated profits (losses) | 14 | €41k |
| Amounts payable | 17/49 | €171k |
| Amounts payable within one year | 42/48 | €171k |
| Trade debts payable within one year | 44 | €109k |
| Income statement | ||
| Gross operating margin | 9900 | €56k |
| Operating result | 9901 | €56k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €55k |
| Income taxes | 67/77 | €11k |
| Net result for the period | 9904 | €44k |
| Result to be appropriated | 9905 | €44k |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Directors & mandates
| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | GEERT NAULAERTS DE MERODELEI 83, 2300 TURN-
HOUT |
05-09-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Wholesale trade(46810) |
| Legal form | Private limited company(610) |
| Incorporation | 29-06-2018 |
| Status | Active |
| Postal code | — |
| First BS signal | 11-09-2025 |
| Latest BS signal | 04-05-2026 |
Company structure — linked entities
Mandates
↔
1
of these mandate-holders are active on other cases — click any red card to open that KBO.
Establishment units
Confluence Accounting & Energy
since 20182.277.153.093
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
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.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049B0078/00V002indicative | Flanders | 797 m² | 1 · 147 m² | 9.7 m · 1 fl. |
| 13049B0438/00R000 | Flanders | 119 m² | 1 · 119 m² | 9.7 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data — this is not proof of ownership.
Updates
A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2026
04-05-2026
Bankruptcy
Bankruptcy closure (insufficient assets)
2025
11-09-2025
Bankruptcy
Opening
2023
01-09-2023
NBB filing
Annual accounts filed
2022
22-06-2022
NBB filing
Annual accounts filed
2021
29-06-2021
NBB filing
Annual accounts filed
2020
19-10-2020
NBB filing
Annual accounts filed
Lifecycle & Insolvency Signals
04-05-2026
Bankruptcy
Bankruptcy closure (insufficient assets)
11-09-2025
Bankruptcy
Opening
Time machine — BS events + macro context
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023–2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Groothandel in vaste, vloeibare en gasvormige brandstoffen en aanverwante producten46710Groothandel in vaste, vloeibare en gasvormige brandstoffen en aanverwante producten46810Ontwerpen en programmeren van computerprogramma's62010Computerconsultancy-activiteiten62020Ontwerpen van computerprogramma’s62100Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameNL | CONFLUENCE ACCOUNTING |
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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