CUSTOM LINE
ActiveSummary
CUSTOM LINE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219,092 and a net result of €61,942. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 55% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▼-10
Solvency65▲+7
Growth85=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.37 in 2024; short-term debt: 59.1% and cash: 0% of total assets), but 59.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.1%
Return on assets
11.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €219,092
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
78 d late
2023
68 d late
2022
239 d late
2021
129 d late
2020
69 d late
2019
38 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 93 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 17 October (4 of the last 5 filed years within 51 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€680,740▼ 4.3%
2023 · €711,472
EBIT margin
17.9%▲ 6.8pp
2023 · 11.1%
Net result
€61,942▼ 24.4%
2024 · €81,899
Working capital
€201,407▲ 74.8%
2024 · €115,208
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€349,458€711,472▲ 104%€680,740▼ 4.3%
Operating result-€55,348€105,693€78,885▼ 25.4%€122,019▲ 54.7%€97,742▼ 19.9%
Net result-€57,855below the sector's middle half€94,845above the sector's middle half€48,386above the sector's middle half▼ 49.0%€81,899above the sector's middle half▲ 69.3%€61,942above the sector's middle half▼ 24.4%
EBIT margin30.2%11.1%▼ 19.2pp17.9%▲ 6.8pp
Equity-€67,980below the sector's middle half▼ 571%€26,865within the sector's middle half€75,250within the sector's middle half▲ 180%€157,150above the sector's middle half▲ 109%€219,092above the sector's middle half▲ 39.4%
Total assets€57,888below the sector's middle half▲ 3.5%€204,949within the sector's middle half▲ 254%€328,747above the sector's middle half▲ 60.4%€476,659above the sector's middle half▲ 45.0%€546,892above the sector's middle half▲ 14.7%
Debt€125,868▲ 90.5%€178,085▲ 41.5%€253,497▲ 42.3%€319,509▲ 26.0%€327,800▲ 2.6%
Working capital-€75,779below the sector's middle half▼ 388%€7,597within the sector's middle half€59,070within the sector's middle half▲ 678%€115,208above the sector's middle half▲ 95.0%€201,407above the sector's middle half▲ 74.8%
Solvency-117.4%below the sector's middle half▼ 99.3pp13.1%within the sector's middle half▲ 130.5pp22.9%within the sector's middle half▲ 9.8pp33.0%within the sector's middle half▲ 10.1pp40.1%within the sector's middle half▲ 7.1pp
Current ratio0.39below the sector's middle half▼ 0.361.05within the sector's middle half▲ 0.651.24within the sector's middle half▲ 0.201.37within the sector's middle half▲ 0.121.62within the sector's middle half▲ 0.26
Return on assets (ROA)-99.9%below the sector's middle half▼ 122.9pp46.3%above the sector's middle half▲ 146.2pp14.7%above the sector's middle half▼ 31.6pp17.2%above the sector's middle half▲ 2.5pp11.3%within the sector's middle half▼ 5.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €546,892
Fixed assets
€22,184 ▼ 52.2%
Current assets
€524,708 ▲ 22.0%
Equity and liabilities €546,892
Equity
€219,092 ▲ 39.4%
Debt
€327,800 ▲ 2.6%
Debt's share of the balance-sheet total falls from 67.0% to 59.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€122,300▼
2024 · €145,804
Cash flow
€86,500▼
2024 · €105,684
Debt to equity
1.50▼
2024 · 2.03
ROE
28.3%▼
2024 · 52.1%
Interest coverage
37.92▼
2024 · 76.56
Debt ≤ 1 year
€323,301▲
2024 · €315,010
Debt > 1 year
€4,499=
2024 · €4,499
Income taxes
€32,575▼
2024 · €38,217
Staff costs
€624▼
2024 · €811
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,810 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.1%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,810 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €349,458 | €711,472 | €680,740 | - | - |
| Non-recurring operating income76A | - | €8,329 | €8,214 | €11,781 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €245,513 | €627,448 | €542,460 | - | - |
| Remuneration, social security and pensions62 | - | €456 | €724 | €811 | €624 | ▼ 23.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,969 | €6,126 | €12,494 | €23,784 | €24,558 | ▲ 3.3% |
| Other operating charges640/8 | €10,268 | - | €135 | €3,446 | €16,941 | ▲ 392% |
| Gross operating margin9900 | -€42,111 | €112,274 | €92,239 | €150,060 | €139,864 | ▼ 6.8% |
| Operating profit (loss)9901 | -€55,348 | €105,693 | €78,885 | €122,019 | €97,742 | ▼ 19.9% |
| Financial income75/76B | €8 | €0 | €2 | €1 | - | - |
| Recurring financial income75 | €8 | €0 | €2 | €1 | - | - |
| Financial charges65/66B | €2,514 | €3,290 | €3,369 | €1,905 | €3,226 | ▲ 69.4% |
| Recurring financial charges65 | €2,514 | €3,075 | €3,369 | €1,905 | €3,226 | ▲ 69.4% |
| Non-recurring financial charges66B | - | €215 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€57,855 | €102,403 | €75,518 | €120,116 | €94,517 | ▼ 21.3% |
| Income taxes67/77 | €0 | €7,558 | €27,132 | €38,217 | €32,575 | ▼ 14.8% |
| Profit (loss) for the period9904 | -€57,855 | €94,845 | €48,386 | €81,899 | €61,942 | ▼ 24.4% |
| Profit (loss) for the period to be appropriated9905 | -€57,855 | €94,845 | €48,386 | €81,899 | €61,942 | ▼ 24.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57,888 | €204,949 | €328,747 | €476,659 | €546,892 | ▲ 14.7% |
| Fixed assets21/28 | €8,676 | €30,176 | €24,342 | €46,441 | €22,184 | ▼ 52.2% |
| Tangible fixed assets22/27 | €8,546 | €30,046 | €24,212 | €46,311 | €22,054 | ▼ 52.4% |
| Plant, machinery and equipment23 | €223 | €577 | €5,712 | €5,029 | €2,535 | ▼ 49.6% |
| Furniture and vehicles24 | €8,323 | €29,469 | €18,500 | €41,282 | €19,519 | ▼ 52.7% |
| Financial fixed assets28 | €130 | €130 | €130 | €130 | €130 | = |
| Current assets29/58 | €49,212 | €174,774 | €304,405 | €430,217 | €524,708 | ▲ 22.0% |
| Stocks and contracts in progress3 | €5,091 | €5,091 | €5,091 | - | - | - |
| Stocks30/36 | €5,091 | €5,091 | €5,091 | - | - | - |
| Amounts receivable within one year40/41 | €43,527 | €169,010 | €272,312 | €427,235 | €519,972 | ▲ 21.7% |
| Trade receivables40 | €41,521 | €164,980 | €260,399 | €345,368 | €442,954 | ▲ 28.3% |
| Other amounts receivable41 | €2,006 | €4,030 | €11,913 | €81,868 | €77,017 | ▼ 5.9% |
| Cash at bank and in hand54/58 | - | - | €25,619 | - | €89 | - |
| Deferred charges and accrued income490/1 | €594 | €672 | €1,382 | €2,982 | €4,647 | ▲ 55.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57,888 | €204,949 | €328,747 | €476,659 | €546,892 | ▲ 14.7% |
| Equity10/15 | -€67,980 | €26,865 | €75,250 | €157,150 | €219,092 | ▲ 39.4% |
| Contributions10/11 | €13,000 | €13,000 | €13,000 | €13,000 | €13,000 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€82,840 | €12,005 | €60,390 | €142,290 | €204,232 | ▲ 43.5% |
| Amounts payable17/49 | €125,868 | €178,085 | €253,497 | €319,509 | €327,800 | ▲ 2.6% |
| Amounts payable after more than one year17 | €877 | €10,908 | €8,161 | €4,499 | €4,499 | = |
| Financial debts170/4 | €877 | €10,908 | €8,161 | €4,499 | €4,499 | = |
| Amounts payable within one year42/48 | €124,991 | €167,177 | €245,335 | €315,010 | €323,301 | ▲ 2.6% |
| Current portion of amounts payable after more than one year42 | €2,615 | €839 | - | - | - | - |
| Financial debts43 | €9,201 | €3,163 | €3,163 | €11,653 | €8,535 | ▼ 26.8% |
| Credit institutions430/8 | €9,201 | €3,163 | €3,163 | €11,653 | €8,535 | ▼ 26.8% |
| Trade debts44 | €98,637 | €111,788 | €194,425 | €208,208 | €230,372 | ▲ 10.6% |
| Suppliers440/4 | €98,637 | €111,788 | €194,425 | €208,208 | €230,372 | ▲ 10.6% |
| Taxes, remuneration and social security45 | €4,728 | €22,315 | €47,643 | €95,044 | €83,440 | ▼ 12.2% |
| Taxes450/3 | €3,428 | €21,015 | €47,643 | €95,044 | €83,440 | ▼ 12.2% |
| Remuneration and social security454/9 | €1,300 | €1,300 | - | - | - | - |
| Other amounts payable47/48 | €9,810 | €29,071 | €104 | €104 | €954 | ▲ 817% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€57,855 | €94,845 | €48,386 | €81,899 | €61,942 | ▼ 24.4% |
| + Depreciation and write-downs630 | €2,969 | €6,126 | €12,494 | €23,784 | €24,558 | ▲ 3.3% |
| Operating cash flow (approximation) | -€54,886 | €100,971 | €60,880 | €105,684 | €86,500 | ▼ 18.2% |
| Investment in fixed assets (approximation) | - | -€27,626 | -€6,660 | -€45,884 | -€300 | ▲ 99.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €200,000Eq €219,092 ▲39.4%
4 profitable years in a row build equity to €219,092.
17-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 78 days late
2024
31-12
Financial
Equity above €150,000Eq €157,150 ▲109%
3 profitable years in a row build equity to €157,150.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
26-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 239 days late
2022
31-12
Financial
Back to profitnet €94,845
Net result €94,845 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.05
Current ratio from 0.39 to 1.05.
07-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 129 days late
2021
31-12
Financial
Weakest financial yearnet -€57,855
Net result drops to -€57,855, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
2020
31-12
Financial
Back to profitnet €12,821
Net result €12,821 after 2 loss-making years.
Show earlier events
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 41 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 64 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kraainem · 1 establishment unit since 2010
Ground area
1.1 ha
Building footprint
865 m²
Volume, LiDAR
33,994 m³
Parcel 22002C0073/00N009, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
963
companies at this address
See who is registered here
1 establishment unit
CUSTOM LINE
since 20102.184.301.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 380 companies in sector 47529 we hold annual accounts for 271. 227 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47529Retail trade
43320Joinery installation
43343Specialised construction activities
43350Other building finishing work
47521Retail sale of hardware, building materials, paint and glass (general range)
47524Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0821678783
Also
9925:BE0821678783
Registered
23-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.