KAPLAN-GAVRIEL
ActiveSummary
KAPLAN-GAVRIEL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8,343 and a net result of €107. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 84% of 3543 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability40▼-60
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 4.0 against 11.88 in 2023; short-term debt: 25% and cash: 91.9% of total assets), and 25% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
75%
Return on assets
1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
31 d late
2022
209 d late
2021
205 d late
2020
570 d late
2019
210 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 209 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€8,343▲ 1.3%
2023 · €8,236
Total assets
€11,126▲ 23.7%
2023 · €8,993
Net result
€107▼ 96.6%
2023 · €3,168
Working capital
€8,343▲ 1.3%
2023 · €8,236
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€6,208▲ 74.4%-€5,304▲ 14.6%€14,389€4,028▼ 72.0%€1,231▼ 69.4%
Net result-€6,951below the sector's middle half▲ 72.3%-€5,911below the sector's middle half▲ 15.0%€14,093within the sector's middle half€3,168within the sector's middle half▼ 77.5%€107within the sector's middle half▼ 96.6%
Equity-€3,114below the sector's middle half-€9,025below the sector's middle half▼ 190%€5,068below the sector's middle half€8,236within the sector's middle half▲ 62.5%€8,343within the sector's middle half▲ 1.3%
Total assets€34,822below the sector's middle half▼ 21.0%€18,106below the sector's middle half▼ 48.0%€11,852below the sector's middle half▼ 34.5%€8,993below the sector's middle half▼ 24.1%€11,126below the sector's middle half▲ 23.7%
Debt€37,936▼ 5.7%€27,131▼ 28.5%€6,784▼ 75.0%€757▼ 88.8%€2,783▲ 268%
Working capital-€6,114within the sector's middle half▲ 9.6%-€9,025within the sector's middle half▼ 47.6%€5,068within the sector's middle half€8,236within the sector's middle half▲ 62.5%€8,343within the sector's middle half▲ 1.3%
Solvency-8.9%below the sector's middle half▼ 17.6pp-49.8%below the sector's middle half▼ 40.9pp42.8%within the sector's middle half▲ 92.6pp91.6%above the sector's middle half▲ 48.8pp75.0%above the sector's middle half▼ 16.6pp
Current ratio0.84within the sector's middle half▲ 0.010.67below the sector's middle half▼ 0.171.75within the sector's middle half▲ 1.0811.88above the sector's middle half▲ 10.144.00above the sector's middle half▼ 7.89
Return on assets (ROA)-20.0%below the sector's middle half▲ 37.0pp-32.6%below the sector's middle half▼ 12.7pp118.9%above the sector's middle half▲ 151.6pp35.2%above the sector's middle half▼ 83.7pp1.0%within the sector's middle half▼ 34.3pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 69% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €11,126
Equity
€8,343 ▲ 1.3%
Debt
€2,783 ▲ 268%
Debt's share of the balance-sheet total rises from 8.4% to 25.0%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.33▲
2023 · 0.09
ROE
1.3%▼
2023 · 38.5%
Debt ≤ 1 year
€2,783▲
2023 · €757
Income taxes
€450
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.7%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,600 | €3,000 | - | - | - | - |
| Other operating charges640/8 | €437 | €1,288 | €2,565 | €1,104 | - | - |
| Non-recurring operating charges66A | - | €2,494 | - | - | - | - |
| Gross operating margin9900 | €1,829 | €1,478 | €16,954 | €5,132 | €1,231 | ▼ 76.0% |
| Operating profit (loss)9901 | -€6,208 | -€5,304 | €14,389 | €4,028 | €1,231 | ▼ 69.4% |
| Financial charges65/66B | €743 | €607 | €666 | €860 | €674 | ▼ 21.6% |
| Recurring financial charges65 | €743 | €607 | €666 | €860 | €674 | ▼ 21.6% |
| Profit (loss) for the period before taxes9903 | -€6,951 | -€5,911 | €13,723 | €3,168 | €557 | ▼ 82.4% |
| Income taxes67/77 | - | - | -€370 | - | €450 | - |
| Profit (loss) for the period9904 | -€6,951 | -€5,911 | €14,093 | €3,168 | €107 | ▼ 96.6% |
| Profit (loss) for the period to be appropriated9905 | -€6,951 | -€5,911 | €14,093 | €3,168 | €107 | ▼ 96.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €34,822 | €18,106 | €11,852 | €8,993 | €11,126 | ▲ 23.7% |
| Fixed assets21/28 | €3,000 | - | - | - | - | - |
| Tangible fixed assets22/27 | €3,000 | - | - | - | - | - |
| Furniture and vehicles24 | €3,000 | - | - | - | - | - |
| Current assets29/58 | €31,822 | €18,106 | €11,852 | €8,993 | €11,126 | ▲ 23.7% |
| Amounts receivable within one year40/41 | €28,851 | €16,860 | €8,256 | €5,290 | €900 | ▼ 83.0% |
| Trade receivables40 | €20,034 | €8,318 | €8,256 | €2,290 | €900 | ▼ 60.7% |
| Other amounts receivable41 | €8,817 | €8,543 | - | €3,000 | - | - |
| Cash at bank and in hand54/58 | €2,971 | €1,245 | €3,597 | €3,703 | €10,226 | ▲ 176% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €34,822 | €18,106 | €11,852 | €8,993 | €11,126 | ▲ 23.7% |
| Equity10/15 | -€3,114 | -€9,025 | €5,068 | €8,236 | €8,343 | ▲ 1.3% |
| Contributions10/11 | €30,000 | €30,000 | €30,000 | €30,000 | €32,520 | ▲ 8.4% |
| Capital10 | €30,000 | €30,000 | €30,000 | €30,000 | - | - |
| Issued capital100 | €30,000 | €30,000 | €30,000 | €30,000 | - | - |
| Reserves13 | €2,520 | €2,520 | €2,520 | €2,520 | - | - |
| Non-distributable reserves130/1 | €2,520 | €2,520 | €2,520 | €2,520 | - | - |
| Legal reserve130 | €2,520 | €2,520 | €2,520 | €2,520 | - | - |
| Profit (loss) carried forward14 | -€35,634 | -€41,545 | -€27,452 | -€24,284 | -€24,177 | ▲ 0.4% |
| Amounts payable17/49 | €37,936 | €27,131 | €6,784 | €757 | €2,783 | ▲ 268% |
| Amounts payable within one year42/48 | €37,936 | €27,131 | €6,784 | €757 | €2,783 | ▲ 268% |
| Trade debts44 | €10,610 | €4,980 | €689 | €63 | €66 | ▲ 3.6% |
| Suppliers440/4 | €10,610 | €4,980 | €689 | €63 | €66 | ▲ 3.6% |
| Taxes, remuneration and social security45 | €9,168 | €7,016 | €234 | - | - | - |
| Taxes450/3 | €9,168 | €7,016 | €234 | - | - | - |
| Other amounts payable47/48 | €18,158 | €15,134 | €5,861 | €693 | €2,717 | ▲ 292% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,951 | -€5,911 | €14,093 | €3,168 | €107 | ▼ 96.6% |
| + Depreciation and write-downs630 | €7,600 | €3,000 | - | - | - | - |
| Operating cash flow (approximation) | €649 | -€2,911 | €14,093 | €3,168 | €107 | ▼ 96.6% |
| Change in cash | - | -€1,725 | €2,351 | €106 | €6,523 | ▲ 6,058% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
11-09
State Gazette act
Resignation: YOUSSEF Nissané (director)Appointment: KAPLAN Boby (director) · Permanent representative: KAPLAN Boby · Name change16 facts ▸
State Gazette act
Resignation: YOUSSEF Nissané (director)
Appointment: KAPLAN Boby (director) · Permanent representative: KAPLAN Boby · Name change16 facts ▸
- General meeting, 03-09-2026
- Name change, KAPLAN-GAVRIEL
- Registered-office move, 1120 Bruxelles, rue du Pâturage, 40 boite 6
- Other statement, unanimité, dispense de lecture du rapport de l'organe d'administration
- Declaration, reception du rapport par les actionnaires, reçu copie avant ce jour, parfaite connaissance
- Declaration, absence de remarques sur le rapport
- Purpose change
- Correction, 300
- Director resignation, YOUSSEF Nissané (director)
- Director appointment, KAPLAN Boby (director)
- Declaration, civile ou pénale, en Belgique ou à l'étranger, absence d'interdiction de gérer
- Board meeting, 03-09-2026
- +4 further facts in this act
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
25-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 209 days late
2023
31-12
Financial
Liquidity times 7current ratio 11.88
Current ratio from 1.75 to 11.88; short-term debt falls from €6,784 to €757.
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 205 days late
21-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 570 days late
2022
31-12
Financial
Back to profitnet €14,093
Net result €14,093 after 4 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.75
Current ratio from 0.67 to 1.75; short-term debt falls from €27,131 to €6,784.
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 210 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 574 days late
2019
31-12
Financial
Weakest financial yearnet -€25,124
Net result drops to -€25,124, the lowest in the series; recovery starts the following year.
Show earlier events
2018
12-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 104 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 219 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 584 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, 1 in day-to-day management, last change in 2026
Board 1
KAPLAN Boby
CurrentDirector · since 03-09-2026
Day-to-day management 1
KAPLAN Boby
CurrentManaging director · since 03-09-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2016
Ground area
720 m²
Building footprint
268 m²
Volume, LiDAR
2,792 m³
2 parcels, Brussels · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Retouche NISSANE
since 20162.254.713.926
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819C0056/00H004 | Brussels | 542 m² | 1 · 205 m² | 16.3 m · 4 fl. |
| 21524C0246/00F000 | Brussels | 178 m² | 1 · 63 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
2 people since 2026, 1 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| KAPLAN Boby |
|
| YOUSSEF Nissané |
|
Articles of association
Purpose
Toutes opérations se rapportant directement ou indirectement aux activités immobilières, patrimoniales et connexes décrites ci-après; Acquérir, vendre, échanger, apporter, prendre…
Full purpose (9 activities)
- Toutes opérations se rapportant directement ou indirectement aux activités immobilières, patrimoniales et connexes décrites ci-après
- Acquérir, vendre, échanger, apporter, prendre ou donner en location, sous-location, crédit-bail, emphytéose, superficie, usufruit ou sous toute autre forme, tous biens et droits immobiliers, bâtis ou non bâtis, ainsi que toutes participations, options, promesses et droits réels ou personnels s’y rapportant
- Assurer la détention, l’administration, la gestion, la mise en valeur, l’exploitation, l’entretien et la conservation d’un patrimoine immobilier, percevoir des loyers et indemnités d’occupation, consentir tous baux et conventions d’occupation, constituer toutes sûretés et accomplir tous actes d’administration ou de disposition relatifs à ce patrimoine
- Réaliser ou faire réaliser toutes opérations de lotissement, urbanisation, construction, reconstruction, transformation, rénovation, restauration, aménagement, équipement, entretien, réparation, amélioration, démolition et assainissement de biens immobiliers, ainsi que toutes études, démarches, demandes de permis et opérations préparatoires ou accessoires y afférentes
- Exercer les activités de promotion immobilière, de marchand de biens, d’achat en vue de la revente, de développement et de valorisation de projets immobiliers, ainsi que fournir, dans les limites autorisées par la loi, tous services de conseil, d’étude, de coordination, de suivi administratif, technique, commercial ou financier en rapport avec ses activités, à l’exclusion des activités légalement réglementées pour lesquelles elle ne remplirait pas les conditions requises
- Acquérir, détenir, gérer et aliéner toutes valeurs mobilières, actions, parts, obligations, créances et autres instruments financiers, prendre des participations ou intérêts dans toutes sociétés, entreprises ou groupements ayant un objet similaire, connexe ou complémentaire au sien, et leur fournir tous concours administratifs, techniques, commerciaux ou financiers, sans exercer d’activités réservées aux entreprises réglementées
- Emprunter, ouvrir des crédits, consentir ou recevoir des prêts et avances, affecter ses biens en hypothèque ou en gage, se porter caution ou constituer toute autre sûreté personnelle ou réelle pour ses propres engagements ou, dans le respect de son intérêt social, pour ceux de sociétés ou entreprises avec lesquelles elle est liée ou dans lesquelles elle détient un intérêt
- Accomplir toutes opérations commerciales, industrielles, financières, mobilières ou immobilières se rattachant directement ou indirectement à son objet ou susceptibles d’en favoriser la réalisation ou le développement
- Réaliser son objet seule ou avec des tiers, par voie de création de sociétés nouvelles, d’apport, de fusion, de scission, de souscription, d’acquisition de participations, d’association, de collaboration ou de toute autre manière
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
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Company details
Identification
Legal formPrivate limited company
Founded24-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
95290Repair and maintenance of other personal and household goods
95230Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0823397762
Also
9925:BE0823397762
Registered
12-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.