Losses
-€38,774 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
CURA
Lifetime
2 annual accounts with figures on one time axispeak -€386 (2025)
-€386▲ €14,823
lowest -€28,759 (2024)
-€10,015▲ €18,744
peak €71,241 (2024)
€61,226▼ 14.1%
€775,000unchanged
Board4 names since 2023
2 directorsNICKELSON and 1 other
Owners
Documentsfilings and deeds
28-07-20263 days before the deadline
2025abbreviated format
Gross margin from -€15,208 to -€386Loss of €10,015Equity from €71,241 to €61,226
Key points
from the 2025 annual accountsDebts
€775,000 93% of the balance sheet
Starting capital
€100,000 10,000 shares
At the same address
44 companies
Board
1 left
A director left. Latest change 26-01-2026 · 1 in office.
Position in the sector
-€10,015
Lower net result than 82% of companies in retail trade. Sector median €27,425 · 12,844 companies.
Turnover not published (abbreviated format)
Checked score
65
Healthy
Financially stronger than 19% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%
01-2025: 2.2%▲ +0.3 percentage points vs 12-2024
02-2025: 2.3%▲ +0.1 percentage points vs 01-2025
03-2025: 2.6%▲ +0.3 percentage points vs 02-2025
04-2025: 2.6%● unchanged vs 03-2025
05-2025: 2.9%▲ +0.3 percentage points vs 04-2025
06-2025: 2.9%● unchanged vs 05-2025highest value
07-2025: 2.8%▼ -0.1 percentage points vs 06-2025
08-2025: 1.1%▼ -1.7 percentage points vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.1%● unchanged vs 03-2026
05-2026: 1.2%▲ +0.1 percentage points vs 04-2026
06-2026: 1.2%● unchanged vs 05-2026
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026
08-2026: 0.9%▼ -0.4 percentage points vs 07-2026lowest value
09-2026: 0.9%● unchanged vs 08-2026lowest value
10-2026: 0.9%● unchanged vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2023
Sector: Retail trade (NACE 47)
Equity €61,226 (7.3% of total assets)
lowers risk
Size: total assets €836,226
Calculation
The band follows from the bankruptcy probability. 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). It does better than 24% of them on solvency, 6% on liquidity, 21% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 865 companies had the same profile as CURA has now. Each dot stands for 3 companies, two years later.
96.6%
were still trading
1.7%
stopped another way
1.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CURA itself: 0.9% within 12 months.
Test of the method
The method was tested on the 497,447 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 865 companies, not a prediction for CURA. 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.
Credit verdict
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.05 (1.05 in 2024), below the usual 1.5. Short-term debt is 92.7% and cash 3.1% of total assets. 92.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year -€10,015
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12856 sector peers (2025).
NBB · sector comparisonPosition among 12856 sector peers
Solvency
better than 19%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
3 days early
2024
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 3 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
1 director resigning
FIN@VISE BV · Permanent representatives: Dirk Lambrechts and Luc Jeurissen · General meeting of 26-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1000371490
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CURA Bilzen-Hoeselt | €0.8m | -€386 | 7.3% | - |
| ELM MANAGEMENT Brussels | €0.3m | -€71,406 | -12.9% | - |
| Natural Herb Solution Belgium Brussels | €0.5m | -€10,945 | -6.6% | - |
| PARFUM WORLD Willebroek | €0.3m | -€7,108 | -2.7% | - |
| NIMARDI BEAUTY GROUP Voeren | €0.3m | €1,894 | 28.1% | - |
| AAMAL EUROPE INVESTMENT Machelen (Brab.) | €0.2m | -€8,374 | -32.0% | - |
| FAAB Neupré | €1.1m | €4,439 | 18.2% | 0 |
These companies have the same main activity as CURA: retail sale of cosmetics and toilet articles (NACE 47750). They are comparable in size and age: total assets between €212,000 and €1.1m, founded between 2018 and 2025.
Official details
Source: KBO- Status
- Active since 27-09-2023Normal situation
- Registered office
- 45 active companies are registered at this address3 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Retail sale of cosmetics and toilet articlesNACE 47750and 3 others
- Establishment unit
- 2.353.701.2383730 Bilzen-Hoeselt, since 27-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 03-11-2025
Annual accounts 2025
- €836,226▼ 1.2%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on CURA
CURA has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,226 and a net result of -€10,015.
Its solvency ranks better than 19% of 12,856 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CURA
- What is the company number of CURA?
- The company number of CURA is 1000.371.490. The VAT number is the same number with BE in front: BE 1000.371.490.
- Where is CURA based?
- The registered office is at Industrielaan 32, 3730 Bilzen-Hoeselt.Company details
- What does CURA do?
- According to the KBO register, the main activity is retail sale of cosmetics and toilet articles (NACE 47750).
- What is the legal form of CURA?
- CURA is a private limited company (BV).
- When was CURA founded?
- CURA was founded on 27-09-2023.
- Is CURA still active?
- Yes, CURA is an active enterprise in the KBO register.
- What is the turnover of CURA?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
- Is CURA profitable?
- In financial year 2025, CURA made a loss of €10,015.
- Where can I find the annual accounts of CURA?
- CURA filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CURA due?
- CURA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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