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ELSCOLAB

Active
Public limited companyfounded 198144 yrs activeHogenakkerhoekstraat 14, 9150 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0421.938.518
Summary

ELSCOLAB has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6.73M and a net result of €1.66M. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 5989 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability81▼-1
Solvency91▲+5
Growth68▼-3
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.28 in 2023; short-term debt: 32.8% and cash: 19% of total assets), and 34.4% of the assets are financed with debt.
Credit check for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 44 years 0 50 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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 2024
Solvency, return and age of the figures
Solvency
65.6%
Return on assets
16.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
45 d early
2023
58 d early
2022
47 d early
2021
60 d early
2020
53 d early
2019
31 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover
€17.02M▼ 9.8%
2023 · €18.86M
2018: €13.21Mlowest in 7 years 2019: €14.29M▲ +8.2% vs 2018 2020: €15.61M▲ +9.2% vs 2019 2021: €16.31M▲ +4.5% vs 2020 2022: €17.20M▲ +5.4% vs 2021 2023: €18.86M▲ +9.7% vs 2022highest in 7 years 2024: €17.02M▼ -9.8% vs 2023
2018 → 2024
EBIT margin
10.1%▼ 2.2pp
2023 · 12.4%
2018: 13.8% 2019: 14.3%▲ +3.5% vs 2018 2020: 13.3%▼ -6.8% vs 2019 2021: 14.4%▲ +8.2% vs 2020highest in 7 years 2022: 11.2%▼ -22.4% vs 2021 2023: 12.4%▲ +10.5% vs 2022 2024: 10.1%▼ -18.0% vs 2023lowest in 7 years
2018 → 2024
Net result
€1.66M▼ 26.2%
2023 · €2.25M
2018: €1.38Mlowest in 7 years 2019: €1.57M▲ +13.6% vs 2018 2020: €1.69M▲ +7.5% vs 2019 2021: €1.91M▲ +13.3% vs 2020 2022: €1.46M▼ -23.4% vs 2021 2023: €2.25M▲ +53.9% vs 2022highest in 7 years 2024: €1.66M▼ -26.2% vs 2023
2018 → 2024
Working capital
€5.35M▲ 8.6%
2023 · €4.92M
2018: €2.48Mlowest in 7 years 2019: €3.15M▲ +27.1% vs 2018 2020: €3.59M▲ +13.9% vs 2019 2021: €4.27M▲ +18.9% vs 2020 2022: €4.55M▲ +6.6% vs 2021 2023: €4.92M▲ +8.3% vs 2022 2024: €5.35M▲ +8.6% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Turnover€15.61M-€16.31M▲ 4.5%€17.20M▲ 5.4%€18.86M▲ 9.7%€17.02M▼ 9.8% 2020: €15.61Mlowest in 5 years 2021: €16.31M▲ +4.5% vs 2020 2022: €17.20M▲ +5.4% vs 2021 2023: €18.86M▲ +9.7% vs 2022highest in 5 years 2024: €17.02M▼ -9.8% vs 2023
Equity€4.49M-€5.21M▲ 15.9%€5.66M▲ 8.7%€6.36M▲ 12.4%€6.73M▲ 5.7% 2020: €4.49Mlowest in 5 years 2021: €5.21M▲ +15.9% vs 2020 2022: €5.66M▲ +8.7% vs 2021 2023: €6.36M▲ +12.4% vs 2022 2024: €6.73M▲ +5.7% vs 2023highest in 5 years
Operating result€2.08M-€2.35M▲ 13.1%€1.93M▼ 18.1%€2.33M▲ 21.2%€1.73M▼ 26.0% 2020: €2.08M 2021: €2.35M▲ +13.1% vs 2020highest in 5 years 2022: €1.93M▼ -18.1% vs 2021 2023: €2.33M▲ +21.2% vs 2022 2024: €1.73M▼ -26.0% vs 2023lowest in 5 years
Net result€1.69M-€1.91M▲ 13.3%€1.46M▼ 23.4%€2.25M▲ 53.9%€1.66M▼ 26.2% 2020: €1.69M 2021: €1.91M▲ +13.3% vs 2020 2022: €1.46M▼ -23.4% vs 2021lowest in 5 years 2023: €2.25M▲ +53.9% vs 2022highest in 5 years 2024: €1.66M▼ -26.2% vs 2023
Result per fiscal year
Operating resultNet result
€0€1.00M€2.00MOperating result 2020: €2.08M€2.08MNet result 2020: €1.69M€1.69MOperating result 2021: €2.35M€2.35MNet result 2021: €1.91M€1.91MOperating result 2022: €1.93M€1.93MNet result 2022: €1.46M€1.46MOperating result 2023: €2.33M€2.33MNet result 2023: €2.25M€2.25MOperating result 2024: €1.73M€1.73MNet result 2024: €1.66M€1.66M20202021202220232024€0€1M€2MOperating result 2022: €1.93M€1.9MNet result 2022: €1.46M€1.5MOperating result 2023: €2.33M€2.3MNet result 2023: €2.25M€2.3MOperating result 2024: €1.73M€1.7MNet result 2024: €1.66M€1.7M202220232024
The operating result falls in 2024; 2024 is 26% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €10.26M
Fixed assets €1.54M ▼ 4.0%
Current assets €8.71M ▼ 0.8%
Equity and liabilities €10.26M
Equity €6.73M ▲ 5.7%
Provisions €161k ▼ 3.6%
Debt €3.37M ▼ 12.7%
Debt's share of the balance-sheet total falls from 37.1% to 32.9%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€1.92M▼
2023 · €2.51M
Cash flow
€1.86M▼
2023 · €2.43M
Current ratio
2.59▲
2023 · 2.28
Quick ratio
2.27▲
2023 · 1.98
Debt to equity
0.50▼
2023 · 0.61
ROE
24.7%▼
2023 · 35.4%
ROA
16.2%▼
2023 · 21.7%
Interest coverage
51539.42▲
2023 · -64.95
Debt ≤ 1 year
€3.37M▼
2023 · €3.86M
Income taxes
€480k▼
2023 · €612k
Staff costs
€3.11M▲
2023 · €2.89M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 87 lines
Balance sheet Code20232024
Assets
Total assets20/58€10.39M€10.26M▼
Fixed assets21/28€1.61M€1.54M▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€774k€694k▼
Land and buildings22€5k€2k▼
Plant, machinery and equipment23€51k€45k▼
Furniture and vehicles24€549k€449k▼
Other tangible fixed assets26€169k€199k▲
Financial fixed assets28€832k€848k▲
Affiliated companies280/1€459k€459k=
Participating interests280€459k€459k=
Other financial fixed assets284/8€373k€389k▲
Amounts receivable and cash guarantees285/8€373k€389k▲
Current assets29/58€8.78M€8.71M▼
Stocks and contracts in progress3€1.16M€1.08M▼
Stocks30/36€1.16M€1.08M▼
Goods purchased for resale34€1.16M€1.08M▼
Amounts receivable within one year40/41€4.09M€3.58M▼
Trade receivables40€3.98M€3.55M▼
Other amounts receivable41€111k€35k▼
Current investments50/53€807k€1.84M▲
Other investments51/53€807k€1.84M▲
Cash at bank and in hand54/58€2.71M€1.95M▼
Deferred charges and accrued income490/1€15k€255k▲
Equity and liabilities
Total equity and liabilities10/49€10.39M€10.26M▼
Equity10/15€6.36M€6.73M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6.30M€6.66M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€25k€25k=
Distributable reserves133€6.27M€6.63M▲
Provisions and deferred taxes16€167k€161k▼
Provisions for liabilities and charges160/5€167k€161k▼
Pensions and similar obligations160€20k€20k▼
Other liabilities and charges164/5€147k€141k▼
Amounts payable17/49€3.86M€3.37M▼
Amounts payable within one year42/48€3.86M€3.37M▼
Trade debts44€1.36M€1.21M▼
Suppliers440/4€1.36M€1.21M▼
Advances received on contracts in progress46€135k€106k▼
Taxes, remuneration and social security45€806k€746k▼
Taxes450/3€389k€358k▼
Remuneration and social security454/9€417k€388k▼
Other amounts payable47/48€1.55M€1.30M▼
Accrued charges and deferred income492/3€261€3k▲
Income statement Code20232024
Operating income70/76A€19.12M€17.62M▼
Turnover70€18.86M€17.02M▼
Other operating income74€254k€602k▲
Non-recurring operating income76A€5k-
Operating charges60/66A€16.79M€15.89M▼
Goods for resale, raw materials and consumables60€11.70M€10.50M▼
Purchases600/8€10.97M€10.51M▼
Change in stocks: decrease (increase)609€725k€-12k▼
Services and other goods61€1.93M€2.02M▲
Remuneration, social security and pensions62€2.89M€3.11M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€174k€196k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€73k€66k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€10k€-6k▼
Other operating charges640/8€12k€10k▼
Non-recurring operating charges66A€2k€261▼
Operating profit (loss)9901€2.33M€1.73M▼
Financial income75/76B€494k€483k▼
Recurring financial income75€494k€483k▼
Income from financial fixed assets750€410k€328k▼
Income from current assets751€4k€41k▲
Other financial income752/9€80k€114k▲
Financial charges65/66B€-39k€67k▲
Recurring financial charges65€-39k€67k▲
Debt charges650-€37
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-138k€-8k▲
Other financial charges652/9€99k€75k▼
Profit (loss) for the period before taxes9903€2.87M€2.14M▼
Income taxes67/77€612k€480k▼
Taxes670/3€612k€480k▼
Tax adjustments and reversals of tax provisions77-€379
Profit (loss) for the period9904€2.25M€1.66M▼
Profit (loss) for the period to be appropriated9905€2.25M€1.66M▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.25M€1.66M▼
Transfer to equity691/2€704k€363k▼
To other reserves6921€704k€363k▼
Profit to be distributed694/7€1.55M€1.30M▼
Return on contributions (dividend)694€1.50M€1.24M▼
Employees696€50k€58k▲
Social balance
Average headcount (FTE)908732.233.4▲

The notes to these accounts (77 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20202021202220232024Change
Operating income70/76A-€16.50M€17.44M€19.12M€17.62M▼ 7.9%
Turnover70€15.61M€16.31M€17.20M€18.86M€17.02M▼ 9.8%
Other operating income74-€181k€229k€254k€602k▲ 137%
Non-recurring operating income76A-€7k€15k€5k--
Operating charges60/66A-€14.15M€15.51M€16.79M€15.89M▼ 5.3%
Goods for resale, raw materials and consumables60-€10.05M€11.09M€11.70M€10.50M▼ 10.2%
Purchases600/8-€10.09M€12.04M€10.97M€10.51M▼ 4.2%
Change in stocks: decrease (increase)609-€-39k€-956k€725k€-12k▼ 102%
Services and other goods61-€1.50M€1.75M€1.93M€2.02M▲ 4.6%
Remuneration, social security and pensions62-€2.39M€2.43M€2.89M€3.11M▲ 7.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€118k€131k€149k€174k€196k▲ 12.8%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€48k€79k€73k€66k▼ 10.7%
Provisions for liabilities and charges: additions (uses and reversals)635/8-€9k€12k€10k€-6k▼ 161%
Other operating charges640/8-€12k€11k€12k€10k▼ 17.3%
Non-recurring operating charges66A-€3k-€2k€261▼ 83.2%
Operating profit (loss)9901€2.08M€2.35M€1.93M€2.33M€1.73M▼ 26.0%
Financial income75/76B-€273k€341k€494k€483k▼ 2.1%
Recurring financial income75€220k€273k€341k€494k€483k▼ 2.1%
Income from financial fixed assets750-€204k€246k€410k€328k▼ 20.0%
Income from current assets751-€843€4k€4k€41k▲ 952%
Other financial income752/9-€69k€90k€80k€114k▲ 43.2%
Financial charges65/66B-€107k€301k€-39k€67k▲ 273%
Recurring financial charges65€66k€107k€301k€-39k€67k▲ 273%
Debt charges650--€31-€37-
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651--€146k€-138k€-8k▲ 94.2%
Other financial charges652/9-€107k€155k€99k€75k▼ 24.7%
Profit (loss) for the period before taxes9903€2.23M€2.52M€1.97M€2.87M€2.14M▼ 25.2%
Income taxes67/77€547k€607k€501k€612k€480k▼ 21.7%
Taxes670/3-€608k€501k€612k€480k▼ 21.6%
Tax adjustments and reversals of tax provisions77-€2k--€379-
Profit (loss) for the period9904€1.69M€1.91M€1.46M€2.25M€1.66M▼ 26.2%
Profit (loss) for the period to be appropriated9905€1.69M€1.91M€1.46M€2.25M€1.66M▼ 26.2%
Line20202021202220232024Change
Assets
Total assets20/58€7.72M€8.83M€10.40M€10.39M€10.26M▼ 1.3%
Fixed assets21/28€1.04M€1.08M€1.28M€1.61M€1.54M▼ 4.0%
Intangible fixed assets21€448---€0-
Tangible fixed assets22/27€423k€440k€453k€774k€694k▼ 10.3%
Land and buildings22-€11k€8k€5k€2k▼ 64.9%
Plant, machinery and equipment23-€90k€73k€51k€45k▼ 12.0%
Furniture and vehicles24-€333k€319k€549k€449k▼ 18.3%
Other tangible fixed assets26-€6k€53k€169k€199k▲ 17.9%
Financial fixed assets28€615k€644k€827k€832k€848k▲ 1.9%
Affiliated companies280/1-€459k€459k€459k€459k=
Participating interests280-€459k€459k€459k€459k=
Other financial fixed assets284/8-€185k€368k€373k€389k▲ 4.3%
Amounts receivable and cash guarantees285/8-€185k€368k€373k€389k▲ 4.3%
Current assets29/58€6.68M€7.75M€9.12M€8.78M€8.71M▼ 0.8%
Stocks and contracts in progress3€1.06M€1.08M€1.96M€1.16M€1.08M▼ 6.4%
Stocks30/36-€1.08M€1.96M€1.16M€1.08M▼ 6.4%
Goods purchased for resale34-€1.08M€1.96M€1.16M€1.08M▼ 6.4%
Amounts receivable within one year40/41€3.74M€4.29M€5.23M€4.09M€3.58M▼ 12.3%
Trade receivables40-€4.28M€5.12M€3.98M€3.55M▼ 10.7%
Other amounts receivable41-€2k€109k€111k€35k▼ 68.9%
Current investments50/53-€877k€665k€807k€1.84M▲ 128%
Other investments51/53-€877k€665k€807k€1.84M▲ 128%
Cash at bank and in hand54/58€1.85M€1.48M€1.24M€2.71M€1.95M▼ 28.0%
Deferred charges and accrued income490/1-€21k€25k€15k€255k▲ 1,569%
Equity and liabilities
Total equity and liabilities10/49€7.72M€8.83M€10.40M€10.39M€10.26M▼ 1.3%
Equity10/15€4.49M€5.21M€5.66M€6.36M€6.73M▲ 5.7%
Contributions10/11€62k€62k€62k€62k€62k=
Capital10-€62k€62k€62k€62k=
Issued capital100-€62k€62k€62k€62k=
Reserves13€4.43M€5.14M€5.60M€6.30M€6.66M▲ 5.8%
Non-distributable reserves130/1-€6k€6k€6k€6k=
Legal reserve130-€6k€6k€6k€6k=
Tax-exempt reserves132-€25k€25k€25k€25k=
Distributable reserves133-€5.11M€5.57M€6.27M€6.63M▲ 5.8%
Provisions and deferred taxes16€136k€145k€157k€167k€161k▼ 3.6%
Provisions for liabilities and charges160/5-€145k€157k€167k€161k▼ 3.6%
Pensions and similar obligations160-€18k€19k€20k€20k▼ 1.1%
Other liabilities and charges164/5-€127k€138k€147k€141k▼ 3.9%
Amounts payable17/49€3.09M€3.48M€4.59M€3.86M€3.37M▼ 12.7%
Amounts payable within one year42/48€3.09M€3.48M€4.57M€3.86M€3.37M▼ 12.7%
Financial debts43--€16---
Credit institutions430/8--€16---
Trade debts44€1.36M€1.24M€1.94M€1.36M€1.21M▼ 11.0%
Suppliers440/4-€1.24M€1.94M€1.36M€1.21M▼ 11.0%
Advances received on contracts in progress46-€204k€894k€135k€106k▼ 21.2%
Taxes, remuneration and social security45-€841k€727k€806k€746k▼ 7.5%
Taxes450/3-€460k€383k€389k€358k▼ 8.0%
Remuneration and social security454/9-€381k€345k€417k€388k▼ 7.0%
Other amounts payable47/48-€1.20M€1.02M€1.55M€1.30M▼ 16.2%
Accrued charges and deferred income492/3-€193€13k€261€3k▲ 929%
Line20202021202220232024Change
Profit (loss) for the period9904€1.69M€1.91M€1.46M€2.25M€1.66M▼ 26.2%
+ Depreciation and write-downs630€118k€131k€149k€174k€196k▲ 12.8%
Operating cash flow (approximation)€1.81M€2.04M€1.61M€2.43M€1.86M▼ 23.4%
Investment in fixed assets (approximation)-€-177k€-345k€-499k€-133k▲ 73.4%
Change in cash-€-364k€-241k€1.47M€-760k▼ 152%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
16-06
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
03-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial Highest result since 2018net €2.25M ▲53.9%
Net result €2.25M, the highest in the series.
14-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
01-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial Equity above €5MEq €5.21M ▲15.9%
4 profitable years in a row build equity to €5.21M.
08-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
28-05
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
22-05
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
14-07
NBB filing Annual accounts filed
fiscal year 2016 · full schema
2016
01-06
NBB filing Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 19 acts read
About the unread acts

We know of 19 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
19 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 1991
seat establishment All 2 establishment units on the map
Ground area
8,719 m²
Parcel 46013A0041/00B000, Flanders. Linked by address, not a title deed.
5 companies at this address See who is registered here
2 establishment units
ELSCOLAB
Hogenakkerhoekstraat 14, 9150 Beveren-Kruibeke-ZwijndrechtWholesale trade
since 19912.019.431.023
Hogenakkerhoekstraat 12, 9150 Beveren-Kruibeke-Zwijndrecht
Wholesale trade
since 20242.365.445.760
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46013A0041/00B000 Flanders 8,719 m² - -
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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 7 entries · 26,441 EUR awarded · 26,242 EUR paid
Year Entries awardedpaid
2025 1 1,324 EUR1,324 EUR
2024 2 13,032 EUR12,833 EUR
2023 2 7,272 EUR7,304 EUR
2022 2 4,813 EUR4,781 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
4 entries · 10,018 EUR · 9,819 EUR paid · Fonds voor Innoveren en Ondernemen
Werkbaarheidscheque (stopgezet)
1 entry · 9,000 EUR · 9,000 EUR paid · Departement Werk en Sociale Economie
Vlaams opleidingsverlof (VOV)
2 entries · 7,423 EUR · 7,423 EUR paid · Departement Werk en Sociale Economie

Recognitions · licences · registrations

Legal Entity Identifier

875500C1DEHK3LTZG826
live in the LEI register

Similar companies · same sector, comparable size

Of 191 companies in sector 46646 we hold annual accounts for 119. 54 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded12-10-1981
Fiscal year end31-12
Activities, NACEBEL 2025
46460Wholesale of pharmaceutical and medical goods
46646Wholesale trade

Scores and ratios are computed by Checked and are not a credit decision.