ERIC KOCH
ActiveSummary
ERIC KOCH has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€9,641) and a net result of -€384. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 16% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability68▼-3
Solvency3▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 0.48 in 2024; short-term debt: 122.1% and cash: 0.3% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-22.1%
Return on assets
-0.9%
Age of the figures
9 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€9,641
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
22 d early
2023
35 d early
2022
25 d late
2021
51 d late
2020
86 d late
2019
250 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 54 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 25 August (4 of the last 5 filed years within 47 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
-€9,641▼ 4.1%
2024 · -€9,257
Total assets
€43,591▼ 13.6%
2024 · €50,452
Net result
-€384
2024 · €995
Working capital
-€18,317▲ 41.1%
2024 · -€31,116
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,091▼ 90.7%-€27€12,522€1,688▼ 86.5%-€135
Net result-€9,641below the sector's middle half-€4,583below the sector's middle half▲ 52.5%€11,419within the sector's middle half€995within the sector's middle half▼ 91.3%-€384within the sector's middle half
Equity-€17,089below the sector's middle half▼ 129%-€21,672below the sector's middle half▼ 26.8%-€10,253below the sector's middle half▲ 52.7%-€9,257below the sector's middle half▲ 9.7%-€9,641below the sector's middle half▼ 4.1%
Total assets€112,179within the sector's middle half▼ 12.3%€70,584within the sector's middle half▼ 37.1%€75,997within the sector's middle half▲ 7.7%€50,452below the sector's middle half▼ 33.6%€43,591below the sector's middle half▼ 13.6%
Debt€129,268▼ 2.8%€92,256▼ 28.6%€86,250▼ 6.5%€59,710▼ 30.8%€53,232▼ 10.8%
Working capital-€76,211below the sector's middle half▼ 699%-€70,050below the sector's middle half▲ 8.1%-€45,371below the sector's middle half▲ 35.2%-€31,116below the sector's middle half▲ 31.4%-€18,317below the sector's middle half▲ 41.1%
Solvency-15.2%below the sector's middle half▼ 9.4pp-30.7%below the sector's middle half▼ 15.5pp-13.5%below the sector's middle half▲ 17.2pp-18.3%below the sector's middle half▼ 4.9pp-22.1%below the sector's middle half▼ 3.8pp
Current ratio0.41below the sector's middle half▼ 0.520.24below the sector's middle half▼ 0.170.47below the sector's middle half▲ 0.230.48below the sector's middle half=0.66below the sector's middle half▲ 0.18
Return on assets (ROA)-8.6%below the sector's middle half▼ 42.9pp-6.5%below the sector's middle half▲ 2.1pp15.0%above the sector's middle half▲ 21.5pp2.0%within the sector's middle half▼ 13.1pp-0.9%within the sector's middle half▼ 2.9pp
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 turns negative in 2025: a loss of €135 after €1,688 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43,591
Fixed assets
€8,676 ▼ 60.3%
Current assets
€34,915 ▲ 22.1%
Key figures and ratios
EBITDA
€13,047▼
2024 · €14,948
Cash flow
€12,799▼
2024 · €14,255
Quick ratio
0.14▲
2024 · 0.02
Debt to equity
-5.52▲
2024 · -6.45
Interest coverage
180.83▼
2024 · 222.58
Debt ≤ 1 year
€53,232▼
2024 · €59,710
Income taxes
€176▼
2024 · €638
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,795 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
2.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 2,795 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,467 | €13,118 | €13,260 | €13,260 | €13,183 | ▼ 0.6% |
| Other operating charges640/8 | €502 | €555 | €555 | €373 | €400 | ▲ 7.1% |
| Gross operating margin9900 | €9,060 | €13,646 | €26,337 | €15,321 | €13,447 | ▼ 12.2% |
| Operating profit (loss)9901 | €4,091 | -€27 | €12,522 | €1,688 | -€135 | ▼ 108% |
| Financial income75/76B | €0 | - | €71 | €12 | - | - |
| Recurring financial income75 | €0 | - | €71 | €12 | - | - |
| Financial charges65/66B | €52 | €48 | €55 | €67 | €72 | ▲ 7.4% |
| Recurring financial charges65 | €52 | €48 | €55 | €67 | €72 | ▲ 7.4% |
| Profit (loss) for the period before taxes9903 | €4,040 | -€74 | €12,538 | €1,634 | -€208 | ▼ 113% |
| Income taxes67/77 | €13,681 | €4,509 | €1,119 | €638 | €176 | ▼ 72.4% |
| Profit (loss) for the period9904 | -€9,641 | -€4,583 | €11,419 | €995 | -€384 | ▼ 139% |
| Profit (loss) for the period to be appropriated9905 | -€9,641 | -€4,583 | €11,419 | €995 | -€384 | ▼ 139% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €112,179 | €70,584 | €75,997 | €50,452 | €43,591 | ▼ 13.6% |
| Fixed assets21/28 | €59,123 | €48,378 | €35,118 | €21,858 | €8,676 | ▼ 60.3% |
| Tangible fixed assets22/27 | €59,123 | €48,378 | €35,118 | €21,858 | €8,676 | ▼ 60.3% |
| Furniture and vehicles24 | €59,123 | €48,378 | €35,118 | €21,858 | €8,676 | ▼ 60.3% |
| Current assets29/58 | €53,056 | €22,206 | €40,879 | €28,594 | €34,915 | ▲ 22.1% |
| Stocks and contracts in progress3 | €6,084 | €3,615 | €27,272 | €27,272 | €27,272 | = |
| Stocks30/36 | €6,084 | €3,615 | €27,272 | €27,272 | €27,272 | = |
| Amounts receivable within one year40/41 | €37,498 | €928 | €8,455 | €77 | €7,506 | ▲ 9,648% |
| Trade receivables40 | €27,099 | - | €4,081 | - | €7,299 | - |
| Other amounts receivable41 | €10,399 | €928 | €4,375 | €77 | €206 | ▲ 168% |
| Cash at bank and in hand54/58 | €9,474 | €16,288 | €4,937 | €1,245 | €137 | ▼ 89.0% |
| Deferred charges and accrued income490/1 | - | €1,375 | €215 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €112,179 | €70,584 | €75,997 | €50,452 | €43,591 | ▼ 13.6% |
| Equity10/15 | -€17,089 | -€21,672 | -€10,253 | -€9,257 | -€9,641 | ▼ 4.1% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€37,540 | -€42,123 | -€30,704 | -€29,709 | -€30,092 | ▼ 1.3% |
| Amounts payable17/49 | €129,268 | €92,256 | €86,250 | €59,710 | €53,232 | ▼ 10.8% |
| Amounts payable within one year42/48 | €129,268 | €92,256 | €86,250 | €59,710 | €53,232 | ▼ 10.8% |
| Trade debts44 | €607 | €348 | €3,059 | €1,032 | - | - |
| Suppliers440/4 | €607 | €348 | €3,059 | €1,032 | - | - |
| Taxes, remuneration and social security45 | €133 | €321 | €1,448 | €1,721 | €1,408 | ▼ 18.2% |
| Taxes450/3 | €133 | €321 | €1,448 | €1,721 | €1,408 | ▼ 18.2% |
| Other amounts payable47/48 | €128,527 | €91,587 | €81,743 | €56,956 | €51,824 | ▼ 9.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,641 | -€4,583 | €11,419 | €995 | -€384 | ▼ 139% |
| + Depreciation and write-downs630 | €4,467 | €13,118 | €13,260 | €13,260 | €13,183 | ▼ 0.6% |
| Operating cash flow (approximation) | -€5,175 | €8,535 | €24,679 | €14,255 | €12,799 | ▼ 10.2% |
| Investment in fixed assets (approximation) | - | -€2,373 | €0 | €0 | €0 | - |
| Change in cash | - | €6,814 | -€11,351 | -€3,692 | -€1,108 | ▲ 70.0% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11,419
Net result €11,419 after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
2021
31-12
Financial
Weakest financial yearnet -€9,641
Net result drops to -€9,641, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 250 days late
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 235 days late
2016
30-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
24-07
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Grimbergen · 1 establishment unit since 1988
Ground area
463 m²
Building footprint
200 m²
Volume, LiDAR
1,817 m³
Parcel 23084A0287/00M002, Flanders · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
Hortensialaan 13, 1853 Grimbergen
since 19882.033.857.990
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0287/00M002 | Flanders | 463 m² | 1 · 200 m² | 13.0 m · 4 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 2,340 companies in sector 47621 we hold annual accounts for 1,245. 589 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 (pre-2019)
Founded29-01-1988
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433158349
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.