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Generated 11-07-2026
Active BE 0779.287.706Private limited company

GWARDE

Schmitzstraat 12 ·1081 Koekelberg, Belgium· 4 yrs active
Sector: Non-specialised food retail (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of GWARDE is 3.7% (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 70% of 6637 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.
Key figures
Equity €45k
Net result €1k
Staff (FTE) 2
Better than sector 70%
Snowflake analysis 5 axes · computed by Checked
Health77Profitability14Solvency70Growth52Stability94
61 / 100

Strong profile, led by stability.

Health 77
Profitability 14
Solvency 70
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.7% 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?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 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.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
77 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 10-06-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40kOperating result 2022: €43k€43kNet result 2022: €43k€43kOperating result 2023: €4k€4kNet result 2023: €171€171Operating result 2024: €6k€6kNet result 2024: €1k€1k202220232024
Operating resultNet result
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).
€40k€43k€45k€48k€50k2025: €45k (€42k - €49k)2026: €46k (€43k - €50k)2027: €47k (€43k - €50k)2022: €43k2023: €43k2024: €45k202220232024202520262027
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% 20.3%
better than 70% of 6637 sector peers
Net result €1k €4k
better than 42% of 6618 sector peers
Equity €45k €16k
better than 70% of 6651 sector peers
Gross operating margin €77k €24k
better than 76% of 6597 sector peers
Staff costs €53k €33k
higher than 66% of 3005 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€19k
-10.5% -31% vs sector
Net profit
€1k
+649.7% -91% vs sector
Cash flow
€14k
-18.8% -40% vs sector
Total assets
€108k
-29.8% -26% vs sector
Equity
€45k
+3.0% -22% vs sector
Working capital
€20k
+382.5% +86% vs sector
Employees (FTE)
2
-33.3% +11% vs sector
Staff costs
€53k
-39.3% -13% vs sector
Income taxes
€5k
-49.2% +27% vs sector
Debt
€63k
-42.8% +9% vs sector
Debt ≤ 1y
€63k
-42.8% +152% vs sector
Current ratio
1.31
+26.4% +3% vs sector
Quick ratio
0.64
+60.2% -26% vs sector
Solvency
41.5%
+46.7% -9% vs sector
Debt / equity
1.41
-44.4% +15% vs sector
ROE
2.9%
+628.2% -92% vs sector
ROA
1.2%
+968.5% -87% vs sector
Interest coverage
146.50
-7.1% far above sector median
Figures by fiscal year
Fiscal year2024
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 ratio1.31
Quick ratio0.64
Working capital ratio18.2%
Solvency41.5%
Debt / equity1.41
Long-term debt ratio-
Interest coverage146.50
Gross margin-
Net margin-
ROA1.2%
ROE2.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
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€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
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Non-specialised food retail(47110)
Legal form Private limited company(610)
Incorporation23-12-2021
StatusActive
Postal code1081
Establishment units 1 location
THE FAMILY MARKET
Schmitzstraat 12, 1081 KoekelbergDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)
since 20222.325.949.142
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.

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.
Updates 4 events

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

2025
10-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
12-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
08-02-2024
State Gazette act Director changes
2023
13-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
08-02-2024 2 resigning Director changes
  • BOUABBI Majid, Bestuurder
  • BOUABBI Salah-Eddine, Bestuurder
Technical details 
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  "events": [
    {
      "kind": "director_out",
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      "subkind": null,
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      "effective_date": null,
      "evidence_quote": "A.G.E accepte la d\u00E9mission du Monsieur BOUABBI Majid et du Monsieur BOUABBI Salah-Eddine de",
      "decharge_status": null,
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    },
    {
      "kind": "director_out",
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      "reason": "de_plein_droit_dissolution",
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      "evidence_quote": "A.G.E accepte la d\u00E9mission du Monsieur BOUABBI Majid et du Monsieur BOUABBI Salah-Eddine de",
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "KOEKELBERG",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2024-01-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-01-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0779.287.706",
    "name_full": "GWARDE",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
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    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
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.

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Company registry (CBE) Crossroads Bank
Activities
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 fruit in gespecialiseerde winkels47210Detailhandel in groenten en fruit47210Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel 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.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative