Turnover
≈ €390,000 estimated
The micro format states no turnover.
ESER
Lifetime
5 annual accounts with figures on one time axispeak €52,890 (2022)
€24,035▼ 33.4%
lowest -€26,338 (2021)
€10,298▼ 42.5%
peak €38,719 (2024)
€38,719▲ 81.4%
€20,644▲ 32.7%
Board7 names since 2019
3 directorsMETIOUI-AMANZOU Bouchra and 2 others
Documentsfilings and deeds
16-10-202577 days late
2024micro format
Gross margin from €36,107 to €24,035Result from €17,907 to €10,298Appointment: Eser Hussein (director) 25-11Share transfer 28-06Share transfer 12-04Equity from €21,339 to €38,719
Key points
from the 2024 annual accountsChecked score
41
Weak
Financially stronger than 73% of micro companies in retail trade (NACE 47)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.6% Elevated
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 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%lowest value
01-2025: 1.2%● unchanged vs 12-2024lowest value
02-2025: 1.2%● unchanged vs 01-2025
03-2025: 1.3%▲ +0.1 percentage points vs 02-2025
04-2025: 1.4%▲ +0.1 percentage points vs 03-2025
05-2025: 1.4%● unchanged vs 04-2025
06-2025: 1.4%● unchanged vs 05-2025
07-2025: 1.5%▲ +0.1 percentage points vs 06-2025
08-2025: 2.4%▲ +0.9 percentage points vs 07-2025
09-2025: 1.5%▼ -0.9 percentage points vs 08-2025
10-2025: 2.7%▲ +1.2 percentage points vs 09-2025
11-2025: 2.5%▼ -0.2 percentage points vs 10-2025
12-2025: 2.5%● unchanged vs 11-2025
01-2026: 2.4%▼ -0.1 percentage points vs 12-2025
02-2026: 2.4%● unchanged vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.5%▲ +0.1 percentage points vs 03-2026
05-2026: 2.4%▼ -0.1 percentage points vs 04-2026
06-2026: 2.4%● unchanged vs 05-2026
07-2026: 2.5%▲ +0.1 percentage points vs 06-2026
08-2026: 3.0%▲ +0.5 percentage points vs 07-2026
09-2026: 3.2%▲ +0.2 percentage points vs 08-2026
10-2026: 4.6%▲ +1.4 percentage points vs 09-2026highest value
11-2026: 4.6%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Figures for financial year 2024 (filed on 22-10-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 77 days late; 1 of the last 3 accounts late
Founded in 2019
Size: total assets €59,363
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 77% of them on solvency, 37% on liquidity, 85% on profitability and 91% 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 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 26,972 companies had the same profile as ESER has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ESER itself is higher: 4.6% within 12 months. It rests on far more data about ESER than the profile alone.
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 26,972 companies, not a prediction for ESER. 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 €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 1.66 (0.88 in 2023), above the usual 1.5. Short-term debt is 34.8% and cash 4% of total assets. 34.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 5 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 77 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
not filed
2024
77 days late
2023
30 days late
2022
on the day
2021
29 days late
2020
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 33 days after 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 (1)
Board and ownership
- METIOUI-AMANZOU Bouchra 25%deed of 12-09-2025
- ESER Zulkuf 25%deed of 12-09-2025
- Metioui-Amanzou Myriam 25%deed of 12-09-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0720794330
Appointment: Metioui-Amanzou Myriam (director)
Transfer of shares from ESER Zulkuf to Metioui-Amanzou Myriam · Transfer of shares from METIOUI-AMANZOU Bouchra to Metioui-Amanzou Myriam · METIOUI-AMANZOU Bouchra holds 25% of the shares · General meeting of 01-09-2025 · Gazette deed
Appointment: Eser Hussein (director)
Transfer of shares from ESER Zulkuf to Eser Hussein · Transfer of shares from METIOUI-AMANZOU Bouchra to Eser Hussein · METIOUI-AMANZOU Bouchra holds 35% of the shares · General meeting of 01-10-2024 · Gazette deed
Share transfer
Transfer of shares from SERTKAYA Ali Riza to ESER Zulkuf · METIOUI-AMANZOU Bouchra holds 40% of the shares · ESER Zulkuf holds 50% of the shares · General meeting of 23-05-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ESER Sint-Pieters-Leeuw | €59,363 | €24,035 | 65.2% | - |
| Casarif Antwerp | €63,930 | €24,521 | 63.1% | - |
| AK Services Antwerp | €76,907 | €22,500 | -25.1% | - |
| Graantje Vosselaar | €59,102 | €28,167 | 63.6% | - |
| 2020 Beveren-Kruibeke-Zwijndrecht | €75,636 | €21,400 | 51.5% | - |
| CELIK PRODUCTION Saint-Josse-ten-Noode | €66,765 | €26,325 | 70.6% | - |
| MAAMAR Ganshoren | €48,462 | €18,968 | 47.5% | - |
These companies have the same main activity as ESER: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €48,500 and €76,900, founded between 2016 and 2020.
Official details
Source: KBO- Status
- Active since 15-02-2019Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241
- Establishment unit
- 2.334.434.8601600 Sint-Pieters-Leeuw, since 01-09-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 15-01-2026
Insights on ESER
ESER files the micro format. That format states no turnover. The gross margin rose from -€9,911 in 2020 to €24,035 in 2024.
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 ESER
- What is the company number of ESER?
- The company number of ESER is 0720.794.330. The VAT number is the same number with BE in front: BE 0720.794.330.
- Where is ESER based?
- The registered office is at Brusselbaan 114, 1600 Sint-Pieters-Leeuw.Company details
- What does ESER do?
- According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
- What is the legal form of ESER?
- ESER is a private limited company (BV).
- When was ESER founded?
- ESER was founded on 15-02-2019.
- Is ESER still active?
- Yes, ESER is an active enterprise in the KBO register.
- What is the turnover of ESER?
- The turnover in financial year 2024 is ≈ €390,000. This figure is estimated from the gross margin of €24,035 and 93 comparable companies (NACE 472). It probably lies between €190,000 and €800,000. It is a rough estimate.Financials
- Is ESER profitable?
- In financial year 2024, ESER made a profit of €10,298.
- Where can I find the annual accounts of ESER?
- ESER filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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