Age4 yrs
Real estate1 parcel · 101 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of GWARDE is 3.8% (moderate). The 2024 annual accounts show equity of €45k and a net result of €1k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 69% of 6722 sector peers (fiscal year 2024). 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 3 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 29 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 10-06-2025 | 51 d early | 2025-00132435 |
| 31-12-2023 | 31-07-2024 | 12-06-2024 | 49 d early | 2024-00126843 |
| 31-12-2022 | 31-07-2023 | 13-06-2023 | 48 d early | 2023-00122835 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore 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 Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate region
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€1k+649.7%
Working capital€20k+382.5%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 10-06-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 3 fiscal years (±1.7%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.5% | 20.4% | |
| Net result | €1k | €4k | |
| Equity | €45k | €16k | |
| Gross operating margin | €77k | €24k | |
| Staff costs | €53k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P69
Stable position over 2022-2024
· n=4418-6722
P42
Weakening position over 2022-2024
· n=4402-6703
P70
Stable position over 2022-2024
· n=4427-6737
P76
Stable position over 2022-2024
· n=4392-6682
Describes the position versus peers, not a forecast.
€19k
-10.5%
22-24
€1k
+649.7%
22-24
€14k
-18.8%
22-24
€108k
-29.8%
22-24
€45k
+3.0%
22-24
€20k
+382.5%
22-24
2
-33.3%
22-24
€53k
-39.3%
22-24
Show 10 other metrics
€5k
-49.2%
22-24
€63k
-42.8%
22-24
€63k
-42.8%
22-24
1.31
+26.4%
22-24
0.64
+60.2%
22-24
41.5%
+46.7%
22-24
1.41
-44.4%
22-24
2.9%
+628.2%
22-24
1.2%
+968.5%
22-24
146.50
-7.1%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €19k |
| Net profit | €1k |
| Cash flow | €14k |
| Staff costs | €53k |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €108k |
| Equity | €45k |
| Debt | €63k |
| of which ≤ 1y | €63k |
| of which > 1y | - |
| Working capital | €20k |
| Employees (FTE) | 2.0 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.31 |
| Quick ratio | 0.64 |
| Working capital ratio | 18.2% |
| Solvency | 41.5% |
| Debt / equity | 1.41 |
| Long-term debt ratio | - |
| Interest coverage | 146.50 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.2% |
| ROE | 2.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €108k |
| Fixed assets | 21/28 | €25k |
| Tangible fixed assets | 22/27 | €25k |
| Financial fixed assets | 28 | €329 |
| Current assets | 29/58 | €82k |
| Stocks & contracts in progress | 3 | €42k |
| Amounts receivable within one year | 40/41 | €4k |
| Cash & bank | 54/58 | €36k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €108k |
| Equity | 10/15 | €45k |
| Contributions / capital | 10/11 | €20k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €23k |
| Amounts payable | 17/49 | €63k |
| Amounts payable within one year | 42/48 | €63k |
| Trade debts payable within one year | 44 | €19k |
| Income statement | ||
| Gross operating margin | 9900 | €77k |
| Operating result | 9901 | €6k |
| Financial income | 75 | €1 |
| Financial charges | 65 | €131 |
| Result before taxes | 9903 | €7k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €1k |
| Result to be appropriated | 9905 | €1k |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed77
/ 100
Excellent
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.
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 2024. Indicative, not credit advice.
Directors
Directors & mandates
no sitting director2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Former directors (2)
-
BOUABBI MajidDirectorState Gazette act 24024857 (08-02-2024)Former- → 08-02-2024
-
BOUABBI Salah-EddineDirectorState Gazette act 24024857 (08-02-2024)Former- → 08-02-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 23-12-2021 |
| Status | Active |
| Postal code | 1081 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationTHE FAMILY MARKET
since 20222.325.949.142
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area101 m²
Buildings1
Building footprint93 m²
Volume (LiDAR)1,015 m³
Tallest building14.5 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0214/00G003 | Brussels | 101 m² | 1 · 93 m² | 14.5 m · 4 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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act All acts · 1
updated 2 years ago
2024
08-02-2024 2 resigning
- BOUABBI Majid, Bestuurder
- BOUABBI Salah-Eddine, Bestuurder
Analysis
Financial profile
5 of 5 axes measured61
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
77
Profitability
14
Solvency
70
Growth
52
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,663 of the 10,441 companies in this sector. 1,388 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Detailhandel in groenten en fruit47210Detailhandel in dranken, algemeen assortiment47252Detailhandel in zuivelproducten en eieren47271Detailhandel in zuivelproducten en eieren in gespecialiseerde winkels47291
Primary activity highlighted.
Names & trade names
| Legal nameFR | GWARDE |
Registered office
Schmitzstraat 12
1081 Koekelberg, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.