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EVO STORE NAMUR

Active
Private limited company·Detailhandel in fietsen· 3 yrs active
Rue Petit Piersoulx 1 ·6041 Charleroi, Belgium
Open bankruptcy
KBO/BCE: BE 0797.806.291
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Age3 yrs
Staff (FTE)0.4
Real estate1 parcel · 8,532 m²

Summary

Conclusion

the dossier summarised in one paragraph

A bankruptcy procedure is open for EVO STORE NAMUR according to publications in the Belgian State Gazette. The file additionally contains 1 judicial reorganisation. The 2025 annual accounts show negative equity (€-168k) and a net result of €-62k.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Insolvency timeline

2 events
19-05-2026
Bankruptcy Opening
Date: 11-05-2026 · Tribunal de l’entreprise du Hainaut, division Charleroi · EVO STORE NAMUR SRL RUE PETIT PIERSOULX 1, 6041 GOSSELIES · Publications in State Gazette ↗
10-11-2025
Judicial reorganisation Plan homologation
Date: 20-10-2025 · Tribunal de l’entreprise du Hainaut · 20250026 · Publications in State Gazette ↗

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 23-04-2026 7 d early 2026-00088948
30-09-2024 30-04-2025 27-03-2025 34 d early 2025-00056974
30-09-2023 30-04-2024 08-04-2024 22 d early 2024-00060232

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags

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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-62k-37.8%
Working capital€-160k-41.0%
Directors1

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 23-04-2026 with the NBB · fiscal year 2025 · volledig
€-80k€-60k€-40k€-20k€0Operating result 2023: €-68k€-68kNet result 2023: €-70k€-70kOperating result 2024: €-41k€-41kNet result 2024: €-45k€-45kOperating result 2025: €-59k€-59kNet result 2025: €-62k€-62k202320242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -46095.5% 13.8%
better than 5% of 242 sector peers
Net result €-62k €19k
better than 20% of 242 sector peers
Equity €-168k €94k
better than 11% of 242 sector peers
Gross operating margin €-11k €319k
better than 5% of 214 sector peers
Staff costs €24k €279k
higher than 7% of 214 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P5
2023: P8 · n=8012024: P5 · n=8662025: P5 · n=2422023 2025
Stable position over 2023-2025 · n=242-866
Net result P20
2023: P15 · n=7972024: P18 · n=8672025: P20 · n=2422023 2025
Stable position over 2023-2025 · n=242-867
Equity P11
2023: P12 · n=8022024: P11 · n=8682025: P11 · n=2422023 2025
Stable position over 2023-2025 · n=242-868
Gross operating margin P5
2023: P5 · n=7222024: P11 · n=7942025: P5 · n=2142023 2025
Stable position over 2023-2025 · n=214-794
Describes the position versus peers, not a forecast.
EBITDA
€-38k
+43.0% 23-25
Net profit
€-62k
-37.8% 23-25
Cash flow
€-43k
+38.3% 23-25
Total assets
€364
-99.5% 23-25
Equity
€-168k
-59.2% 23-25
Working capital
€-160k
-41.0% 23-25
Employees (FTE)
0
- 23-25
Staff costs
€24k
-40.7% 23-25
Debt
€168k
-2.3% 23-25
Debt ≤ 1y
€161k
+0.1% 23-25
Debt > 1y
€7k
-35.2% 23-25
Current ratio
0.00
-99.2% 23-25
Quick ratio
0.00
-96.1% 23-25
Solvency
-46095.5%
-29077.3% 23-25
Debt / equity
-1.00
+38.6% 23-25
ROE
37.2%
-13.5% 23-25
ROA
-17145.0%
-25147.3% 23-25
Interest coverage
-7.79
+74.6% 23-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue-
EBITDA-
Net profit€-62k
Cash flow-
Staff costs€24k
Income taxes-
Dividends-
Total assets€364
Equity€-168k
Debt€168k
of which ≤ 1y€161k
of which > 1y€7k
Working capital€-160k
Employees (FTE)0.4
Ratios (computed)
2025
Current ratio0.00
Quick ratio0.00
Working capital ratio-44057.5%
Solvency-46095.5%
Debt / equity-1.00
Long-term debt ratio-0.04
Interest coverage-
Gross margin-
Net margin-
ROA-17145.0%
ROE37.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€364
Current assets 29/58€364
Amounts receivable within one year 40/41€342
Cash & bank 54/58€23
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€364
Equity 10/15€-168k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€-178k
Amounts payable 17/49€168k
Amounts payable after one year 17€7k
Amounts payable within one year 42/48€161k
Trade debts payable within one year 44€63k
Income statement
Gross operating margin 9900€-11k
Operating result 9901€-59k
Financial charges 65€4k
Result before taxes 9903€-62k
Net result for the period 9904€-62k
Result to be appropriated 9905€-62k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
0 / 100 Critical
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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Former directors (1)
  • Cachera Anthony
    Director
    State Gazette act 25136954 (28-10-2025)
    Former
    - → 28-10-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

1 mandate
Role Name Tenure Source
Curator THOMAS VINCART
RUE TUMELAIRE 43, 6000 CHAR- LEROI- . Date provisoire de cessation de paiement : 11/05/2026
 11-05-2026 → present Belgian State Gazette

Legal Structure

NACE primary Detailhandel in fietsen(47632)
Legal form Private limited company(610)
Incorporation31-01-2023
StatusActive
Postal code6041
First BS signal 10-11-2025
Latest BS signal 19-05-2026

Structure & network

Ownership & control

No ownership or control structure found in the sources.

For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.

1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue Petit Piersoulx 16041 Charleroi

Establishment units

1 location
EVO STORE NAMUR
Rue Petit Piersoulx 1, 6041 CharleroiDetailhandel in fietsen in gespecialiseerde winkels
since 20232.341.250.891
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area8,532 m²
Buildings1
Building footprint177 m²
Volume (LiDAR)1,521 m³
Tallest building11.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52028B0291/00G000 Wallonia 8,532 m² 1 · 177 m² 11.0 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

2 events from the State Gazette
19-05-2026
Bankruptcy Opening
Date: 11-05-2026 · Tribunal de l’entreprise du Hainaut, division Charleroi · EVO STORE NAMUR SRL RUE PETIT PIERSOULX 1, 6041 GOSSELIES · Publications in State Gazette ↗
10-11-2025
Judicial reorganisation Plan homologation
Date: 20-10-2025 · Tribunal de l’entreprise du Hainaut · 20250026 · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-11-10 · Judicial reorganisation · Plan homologation2026-05-19 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 9 months ago
2025
28-10-2025 Cachera Anthony resigns as director Director changes
  • Cachera Anthony, Bestuurder
Summary: v3.2
2023
02-02-2023 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health0Profitability100Solvency33Growth58Stability0
38 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 100
Solvency 33
Growth 58
Stability 0

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

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.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 175 of the 1,466 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in fietsen47632Detailhandel in fietsen in gespecialiseerde winkels47785Reparatie van andere consumentenartikelen95290Reparatie en onderhoud van consumentenartikelen, neg95290
Primary activity highlighted.
Names & trade names
Legal nameFR EVO STORE NAMUR
Registered office
Rue Petit Piersoulx 1
6041 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.