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Generated 28-06-2026
Active BE 0777.680.177Private limited company

Fish and More

Ridder Gustaaf van Havrelaan 49 ·2110 Wijnegem, Belgium· 4 yrs active
Sector: Retail trade (47230)
Conclusion Checked

The computed 12-month bankruptcy probability of Fish and More is 2.6% (average). The 2023 annual accounts show equity of €76k and a net result of €14k. Its solvency ranks better than 49% of 1189 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €76k
Net result €14k
Better than sector 49%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health68Profitability95Solvency26Growth52Stability94
67 / 100

Strong profile, led by profitability.

Health 68
Profitability 95
Solvency 26
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.6% Average
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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 3 signals
More than 3 years active
Founded in 2021 — past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
68 / 100 Healthy
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 31-12-2024 with the NBB · fiscal year 2023 · micro
€0€25k€50k€75kOperating result 2022: €83k€83kNet result 2022: €61k€61kOperating result 2023: €30k€30kNet result 2023: €14k€14k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 47 — Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 16.4% 17.0%
better than 49% of 1189 sector peers
Net result €14k €2k
better than 72% of 1187 sector peers
Equity €76k €11k
better than 91% of 1191 sector peers
Gross operating margin €146k €17k
better than 92% of 1177 sector peers
Staff costs €84k €31k
higher than 83% of 522 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€62k
-38.7% +257479% vs sector
Net profit
€14k
-76.6% +245% vs sector
Cash flow
€47k
-40.7% +1276% vs sector
Total assets
€462k
+49.1% +509% vs sector
Equity
€76k
+23.4% +248% vs sector
Working capital
€32k
— +1083% vs sector
Staff costs
€84k
+28.9% +76% vs sector
Income taxes
€6k
-62.6% 22–23
Debt
€386k
+55.4% +626% vs sector
Debt ≤ 1y
€170k
-28.4% +224% vs sector
Debt > 1y
€216k
+1780.1% -38% vs sector
Current ratio
1.19
+50.3% +28% vs sector
Quick ratio
1.19
+50.3% +32% vs sector
Solvency
16.4%
-17.2% -59% vs sector
Debt / equity
5.10
+25.9% +245% vs sector
ROE
19.0%
-81.0% +217% vs sector
ROA
3.1%
-84.3% +149% vs sector
Interest coverage
6.91
-59.6% +234% vs sector
Figures by fiscal year
Fiscal year2023
Revenue—
EBITDA€62k
Net profit€14k
Cash flow€47k
Staff costs€84k
Income taxes€6k
Dividends—
Total assets€462k
Equity€76k
Debt€386k
of which ≤ 1y€170k
of which > 1y€216k
Working capital€32k
Employees (FTE)—
Ratios (computed)
2023
Current ratio1.19
Quick ratio1.19
Working capital ratio6.9%
Solvency16.4%
Debt / equity5.10
Long-term debt ratio2.86
Interest coverage6.91
Gross margin—
Net margin—
ROA3.1%
ROE19.0%
EBITDA margin—
Days sales outstanding—
Days payable outstanding—
Inventory turnover—
Days inventory (DSI)—
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet — Assets
TOTAL ASSETS 20/58€462k
Fixed assets 21/28€260k
Tangible fixed assets 22/27€260k
Current assets 29/58€201k
Amounts receivable within one year 40/41€122k
Cash & bank 54/58€79k
Balance sheet — Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€462k
Equity 10/15€76k
Reserves 13€76k
Amounts payable 17/49€386k
Amounts payable after one year 17€216k
Amounts payable within one year 42/48€170k
Trade debts payable within one year 44€111k
Income statement
Gross operating margin 9900€146k
Operating result 9901€30k
Financial income 75€0
Financial charges 65€9k
Result before taxes 9903€21k
Income taxes 67/77€6k
Net result for the period 9904€14k
Result to be appropriated 9905€14k
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Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47230)
Legal form Private limited company(610)
Incorporation24-11-2021
StatusActive
Postal code2110
Establishment units 1 location
Vishandel Costermans
Ridder Gustaaf van Havrelaan 49, 2110 WijnegemHandelsbemiddeling in de groothandel in voedings- en genotmiddelen
since 20212.324.722.883
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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11050A0370/00W004 Flanders 370 m² 1 · 88 m² 10.6 m · 2 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.
Updates 2 events

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

2024
31-12-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
29-12-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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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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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in vis en schaal- en weekdieren in gespecialiseerde winkels47230Detailhandel in vis en schaal- en weekdieren47230Detailhandel in groenten en fruit47210Markt- en straathandel in voedings- en genotmiddelen47810
Primary activity highlighted.
Names & trade names
Legal nameNL Fish and More
Registered office
Ridder Gustaaf van Havrelaan 49
2110 Wijnegem, 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