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Generated 13-08-2026
Active BE 0805.595.589Public limited company

GEMBLOUXIM

Campagne d'Enée 1 ·5030 Gembloux, Belgium· 2 yrs active
Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of GEMBLOUXIM is 2.0% (moderate). The 2024 annual accounts show equity of €68k and a net result of €-32k. Its solvency ranks better than 24% of 866 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €68k
Net result €-32k
Staff (FTE) 34.1
Better than sector 24%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health20Profitability10Solvency8Growth-Stability67
26 / 100

Fragile profile, watch solvency in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 20
Profitability 10
Solvency 8
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
2.0% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Lower-risk legal form −

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
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 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 2024 · computed
20 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 09-10-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 1.5% 17.3%
better than 24% of 866 sector peers
Net result €-32k €14k
better than 20% of 867 sector peers
Equity €68k €100k
better than 44% of 868 sector peers
Gross operating margin €1.75M €213k
better than 95% of 794 sector peers
Staff costs €1.55M €219k
higher than 91% of 715 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue€11.82M
EBITDA€133k
Net profit€-32k
Cash flow€94k
Staff costs€1.55M
Income taxes€0
Dividends-
Total assets€4.59M
Equity€68k
Debt€4.52M
of which ≤ 1y€2.29M
of which > 1y€2.01M
Working capital€-430k
Employees (FTE)34.1
Ratios (computed)
2024
Current ratio0.81
Quick ratio0.46
Working capital ratio-9.4%
Solvency1.5%
Debt / equity66.09
Long-term debt ratio29.32
Interest coverage1.54
Gross margin8.1%
Net margin-0.3%
ROA-0.7%
ROE-46.2%
EBITDA margin1.1%
Days sales outstanding8d
Days payable outstanding58d
Inventory turnover13.39
Days inventory (DSI)27d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€4.59M
Fixed assets 21/28€2.69M
Formation expenses 20€36k
Intangible fixed assets 21€647k
Tangible fixed assets 22/27€2.05M
Current assets 29/58€1.86M
Stocks & contracts in progress 3€811k
Amounts receivable within one year 40/41€378k
Cash & bank 54/58€668k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4.59M
Equity 10/15€68k
Contributions / capital 10/11€100k
Accumulated profits (losses) 14€-32k
Amounts payable 17/49€4.52M
Amounts payable after one year 17€2.01M
Amounts payable within one year 42/48€2.29M
Trade debts payable within one year 44€1.71M
Income statement
Turnover 70€11.82M
Gross operating margin 9900€1.75M
Operating result 9901€7k
Financial income 75€48k
Financial charges 65€86k
Result before taxes 9903€-32k
Income taxes 67/77€0
Net result for the period 9904€-32k
Result to be appropriated 9905€-32k
Ratios computed by Checked.
Legal Structure
NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form Public limited company(014)
Incorporation07-09-2023
StatusActive
Postal code5030
Establishment units 1 location
GEMBLOUXIM
Campagne d'Enée 1, 5030 GemblouxGroothandel in kunstmeststoffen en andere agrochemische producten
since 20232.349.663.860
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 1 events

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

2025
09-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
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.
AI due-diligence brief Checked AI

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

Coming soon
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
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114
Primary activity highlighted.
Names & trade names
Legal nameFR GEMBLOUXIM
Registered office
Campagne d'Enée 1
5030 Gembloux, 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