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Generated 15-08-2026
Active BE 0407.423.754Private limited company (pre-2019)

EUROBAND

Neerstraat 386 ·9250 Waasmunster, Belgium· 55 yrs active
Sector: Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton) (47811)
Conclusion Checked

The computed 12-month bankruptcy probability of EUROBAND is 2.4% (moderate). The 2022 annual accounts show negative equity (€-25k) and a net result of €-4k. Equity is shrinking by ~36.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 4410 sector peers (fiscal year 2022). The company has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €-25k
Net result €-4k
Better than sector 5%
Active 55 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health25Profitability91Solvency33Growth58Stability100
61 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 25
Profitability 91
Solvency 33
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Long track record −Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1970, 55 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2022 · computed
25 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 11-05-2023 with the NBB · fiscal year 2022 · micro
€-200k€-150k€-100k€-50k€0Operating result 2018: €-22k€-22kNet result 2018: €-155k€-155kOperating result 2019: €-9k€-9kNet result 2019: €-61k€-61kOperating result 2020: €-10k€-10kNet result 2020: €-71k€-71kOperating result 2021: €-3k€-3kNet result 2021: €-74k€-74kOperating result 2022: €-4k€-4kNet result 2022: €-4k€-4k20182019202020212022
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~36.9%/year over 5 fiscal years, indicative, assuming unchanged policy.
€-60k€-40k€-20k€02023: €-33k (€-37k - €-30k)2024: €-40k (€-45k - €-34k)2025: €-46k (€-54k - €-38k)2018: €1k2019: €-8k2020: €-17k2021: €-20k2022: €-25k20182019202020212022202320242025
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -4252.5% 19.8%
better than 5% of 4410 sector peers
Net result €-4k €2k
better than 29% of 4394 sector peers
Equity €-25k €14k
better than 11% of 4419 sector peers
Gross operating margin €-3k €19k
better than 17% of 4384 sector peers
Total assets €583 €88k
better than 5% of 4413 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-4k
+93.9% 18-22
Total assets
€583
-65.1% 18-22
Equity
€-25k
-22.1% 18-22
Working capital
€-25k
-22.1% 18-22
Employees (FTE)
1
0.0% 18-22
Income taxes
€3
- 18-22
Debt
€25k
+15.5% 18-22
Debt ≤ 1y
€25k
+15.5% 18-22
Current ratio
0.02
-71.7% 18-22
Quick ratio
0.02
-71.7% 18-22
Solvency
-4252.5%
-250.4% 18-22
Debt / equity
-1.02
- 18-22
ROE
18.1%
-95.0% 18-22
ROA
-771.0%
+82.5% 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA-
Net profit€-4k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€583
Equity€-25k
Debt€25k
of which ≤ 1y€25k
of which > 1y-
Working capital€-25k
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.02
Quick ratio0.02
Working capital ratio-4261.9%
Solvency-4252.5%
Debt / equity-1.02
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-771.0%
ROE18.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€583
Fixed assets 21/28€55
Financial fixed assets 28€55
Current assets 29/58€528
Amounts receivable within one year 40/41€42
Cash & bank 54/58€486
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€583
Equity 10/15€-25k
Contributions / capital 10/11€19k
Reserves 13€35k
Accumulated profits (losses) 14€-78k
Amounts payable 17/49€25k
Amounts payable within one year 42/48€25k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€-3k
Operating result 9901€-4k
Financial charges 65€214
Result before taxes 9903€-4k
Net result for the period 9904€-4k
Result to be appropriated 9905€-4k
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811)
Legal form Private limited company (pre-2019)(015)
Incorporation08-10-1970
StatusActive
Postal code9250
Establishment units 1 location
Karel Haegensstraat 30, 9240 Zele
Groothandel in onderdelen en accessoires van auto's
since 19702.005.013.853
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42342C2865/00P000 Flanders 1,208 m² 1 · 185 m² -
42402F0451/00G004 Flanders 192 m² 1 · 88 m² 11.2 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
15-04-2024
State Gazette act Director changes
2023
11-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
09-03-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
09-03-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
02-03-2022
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
10-09-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-04-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
25-04-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
22-02-2017
NBB filing Annual accounts filed
fiscal year 2014 · verkort
21-02-2017
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2014
28-04-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
15-04-2024 Discharge granted to the board Director changes
Technical details 
{
  "events": [
    {
      "kind": "decharge_granted",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Dick De Vylder",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "weigering kwijting aan Dick De Vylder",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Dick De Vylder",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Aan de heer Dick De Vylder wordt geen kwijting verleend voor de uitefening van zijn mandaat van zaakvoerder van de BV Euroband.",
      "decharge_status": "refused",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-04-15",
    "filing_date": "2024-04-04",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-03-14",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0407.423.754",
    "name_full": "Euroband",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in motorvoertuigen50103
Primary activity highlighted.
Names & trade names
Legal nameNL EUROBAND
Registered office
Neerstraat 386
9250 Waasmunster, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative