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Generated 21-08-2026
Active BE 0771.816.231Private limited company

Gems and Gems

Pelikaanstraat 62 ·2018 Antwerpen, Belgium· 5 yrs active
Sector: Groothandel in diamant en andere edelstenen (46861)
Conclusion Checked

The computed 12-month bankruptcy probability of Gems and Gems is 3.3% (moderate). The 2023 annual accounts show negative equity (€-18k) and a net result of €-9k. Its solvency ranks better than 22% of 3026 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 €-18k
Net result €-9k
Better than sector 22%
Active 5 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health30Profitability100Solvency43Growth58Stability94
65 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 30
Profitability 100
Solvency 43
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

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
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, and the KBO register records a normal legal situation.
Administrative Flags0 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 2023 · computed
30 / 100 Weak
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 30-08-2024 with the NBB · fiscal year 2023 · micro
€-10k€-8k€-5k€-3k€0Operating result 2022: €-5k€-5kNet result 2022: €-9k€-9kOperating result 2023: €-8k€-8kNet result 2023: €-9k€-9k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -5.0% 25.2%
better than 22% of 3026 sector peers
Net result €-9k €4k
better than 21% of 3016 sector peers
Equity €-18k €20k
better than 14% of 3037 sector peers
Gross operating margin €-7k €18k
better than 14% of 3006 sector peers
Total assets €360k €102k
better than 82% of 3026 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-9k
+2.0% 22-23
Total assets
€360k
+1.0% 22-23
Equity
€-18k
-98.0% 22-23
Working capital
€-22k
-68.2% 22-23
Debt
€378k
+3.4% 22-23
Debt ≤ 1y
€378k
+3.4% 22-23
Current ratio
0.94
-2.3% 22-23
Quick ratio
0.90
-0.1% 22-23
Show 4 other metrics
Solvency
-5.0%
-96.0% 22-23
Debt / equity
-20.82
+47.8% 22-23
ROE
49.5%
-50.5% 22-23
ROA
-2.5%
+3.0% 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA-
Net profit€-9k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€360k
Equity€-18k
Debt€378k
of which ≤ 1y€378k
of which > 1y-
Working capital€-22k
Employees (FTE)-
Ratios (computed)
2023
Current ratio0.94
Quick ratio0.90
Working capital ratio-6.2%
Solvency-5.0%
Debt / equity-20.82
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-2.5%
ROE49.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€360k
Fixed assets 21/28€4k
Financial fixed assets 28€4k
Current assets 29/58€356k
Stocks & contracts in progress 3€15k
Amounts receivable within one year 40/41€332k
Cash & bank 54/58€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€360k
Equity 10/15€-18k
Accumulated profits (losses) 14€-18k
Amounts payable 17/49€378k
Amounts payable within one year 42/48€378k
Trade debts payable within one year 44€360k
Income statement
Gross operating margin 9900€-7k
Operating result 9901€-8k
Financial income 75€393
Financial charges 65€2k
Result before taxes 9903€-9k
Net result for the period 9904€-9k
Result to be appropriated 9905€-9k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Groothandel in diamant en andere edelstenen(46861)
Legal form Private limited company(610)
Incorporation29-07-2021
StatusActive
Postal code2018
Establishment units 1 location
Gems and Gems
Pelikaanstraat 62, 2018 AntwerpenBewerken van diamant
since 20212.324.074.468
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.
11808H1182/00X017 Flanders 49 m² - -
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
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
11-12-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Groothandel in diamant en andere edelstenen46861
Primary activity highlighted.
Names & trade names
Legal nameNL Gems and Gems
Registered office
Pelikaanstraat 62
2018 Antwerpen, 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