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GARNITURE

Active
Private limited companyfounded 2016active for 9 yearsPeerderbaan 207, 3910 Pelt, BelgiumKBO/BCE: BE 0665.748.810
Summary

GARNITURE has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,667 and a net result of €10,886. Equity has been growing by about 17% per year since 2018. Its solvency ranks better than 49% of 1,899 sector peers (NACE 10, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Official details

Source: KBO
Status
Active since 04-11-2016 Normal situation
Activity
Manufacture of food products NACE 10312and 3 others
Establishment unit
2.258.205.332 3910 Pelt, since 04-11-2016
Financial year end
31 December
Peppol
Reachable since 22-09-2025

Board and ownership

Board

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Annual accounts 2025
Gross margin
€39,450
▼ 30.0%
Turnover
≈ €160,000
estimated
Profit
€10,886
▼ 29.2%
Equity
€103,667
▲ 11.7%
Total assets
€351,306
▲ 11.8%
Filed on 29-05-2026, 63 days before the deadline
Score breakdownraises riskSector: Manufacture of food products (NACE 10)Liquidity: current ratio 1.10, cash €21,831lowers riskFigures for financial year 2025 (filed on 02-06-2026)Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 43% of micro companies in food products (NACE 10)
Financial strength · tick: 2024
Average
Solvency 55=
equity 29.5% of total assets
Liquidity 21-14
short-term debt 68.1% · cash 6.2%
Profitability 73-2
return on assets 3.1%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,081 companies, NACE 10, micro)
Last 24 months 12-2024: 3.3%highest value 01-2025: 2.8%▼ -0.5 percentage points vs 12-2024 02-2025: 2.8%● unchanged vs 01-2025 03-2025: 2.7%▼ -0.1 percentage points vs 02-2025 04-2025: 2.7%● unchanged vs 03-2025 05-2025: 2.7%● unchanged vs 04-2025 06-2025: 2.6%▼ -0.1 percentage points vs 05-2025 07-2025: 2.6%● unchanged vs 06-2025 08-2025: 3.2%▲ +0.6 percentage points vs 07-2025 09-2025: 0.6%▼ -2.6 percentage points vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026lowest value 07-2026: 0.8%▲ +0.2 percentage points vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026 11-2026: 0.8%● unchanged vs 10-2026
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1 (1.3 in 2024), below the usual 1.5. Short-term debt is 68.1% and cash 6.2% of total assets. 70.5% of the assets are financed with debt and provisions.
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 10, micro). It does better than 47% of them on solvency, 14% on liquidity, 51% on profitability and 59% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Four signals.
lowers riskraises riskneutral
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
raises risk · Liquidity: current ratio 1.10, cash €21,831
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 02-06-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
63 days early
2024
28 days late
2023
8 days late
2022
21 days late
2021
59 days late
2020
48 days late
2019
55 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (4 of the last 5 accounts filed within 38 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • New directorlatest change 01-01-2026 · 2 in office 1 joined View

Recent changes

  1. · Gazette deed Appointment: Sabine Haex (bijkomend bestuurder)
  2. · Gazette deed Resignation: Haex Sabine (director)
  3. · Gazette deed Changes of role: Stelten Geert (director) and Haex Sabine (director)
All 18 events

Comparable companies

These companies have their main activity in the same NACE class as GARNITURE: manufacture of food products (NACE 1031). With exactly the same main activity (NACE 10312), too few companies are of comparable size. They are comparable in size and age: total assets between €252,000 and €2m, founded between 2003 and 2016.

CompanyTotal assetsGross margin
GARNITURE Pelt€0.4m€0.04m
PELPAT Ellezelles€0.3m€0.02m
JONCQUIERE-EXPORT Fontaine-l'Evêque€0.7m€0.03m
DEVAPOM La Louvière€0.4m€0.04m
AGRI NEUF BOIS Les Bons Villers€1.6m€0.1m
FERME DE CAPLUMONT Ath€2.0m€0.02m
VWS Frites DISTRIBUTION Florennes€0.5m€0.08m
Full comparison

Key facts about GARNITURE

What is the company number of GARNITURE?
The company number of GARNITURE is 0665.748.810. The VAT number is the same number with BE in front: BE 0665.748.810.
Where is GARNITURE based?
The registered office is at Peerderbaan 207, 3910 Pelt.Company details
What does GARNITURE do?
According to the KBO register, the main activity is manufacture of food products (NACE 10312).
What is the legal form of GARNITURE?
The legal form of GARNITURE is Private limited company (BV).
When was GARNITURE founded?
GARNITURE was founded on 04-11-2016.
Is GARNITURE still active?
Yes, GARNITURE is an active enterprise in the KBO register.
What is the turnover of GARNITURE?
The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €39,450 and 2,949 comparable companies of the same size. It probably lies between €95,000 and €290,000. It is a rough estimate.Financials
Is GARNITURE profitable?
In financial year 2025, GARNITURE made a profit of €10,886.
Where can I find the annual accounts of GARNITURE?
GARNITURE filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GARNITURE due?
GARNITURE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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