Active BE 0795.581.033Private limited company

HELLO VELO

Prins Boudewijnlaan 117 ·9100 Sint-Niklaas, Belgium· 3 yrs active

Sector: Wholesale trade (46730)

Conclusion Checked

The computed 12-month bankruptcy probability of HELLO VELO is 2.1% (average). The 2024 annual accounts show equity of €110k and a net result of €-206k. Its solvency ranks better than 31% of 129 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€110k
Net result	€-206k
Staff (FTE)	1
Better than sector	31%

Snowflake analysis 5 axes · computed by Checked

32 / 100

Fragile profile — watch profitability in particular.

Health 17

Profitability 0

Solvency 16

Growth 32

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

2.1% Average

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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 2022 — 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

17 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 46 — Wholesale trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	4.6%	15.8%	better than 31% of 129 sector peers
Net result	€-206k	€19k	better than 9% of 129 sector peers
Equity	€110k	€64k	better than 57% of 129 sector peers
Gross operating margin	€-5k	€139k	better than 16% of 128 sector peers
Staff costs	€86k	€153k	higher than 29% of 74 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-92k

+22.3% 23–24

Net profit

€-206k

-6.7% 23–24

Cash flow

€-192k

-4.0% 23–24

Total assets

€2.40M

-12.3% 23–24

Equity

€110k

-65.1% 23–24

Working capital

€163k

-51.5% 23–24

Employees (FTE)

1

0.0% 23–24

Staff costs

€86k

+26.7% 23–24

Income taxes

€350

+15.6% 23–24

Debt

€2.29M

-5.4% 23–24

Debt ≤ 1y

€2.19M

-6.9% 23–24

Current ratio

1.07

-6.0% 23–24

Quick ratio

0.18

-23.1% 23–24

Solvency

4.6%

-60.3% 23–24

Debt / equity

20.78

+171.4% 23–24

ROE

-186.8%

-205.9% 23–24

ROA

-8.6%

-21.6% 23–24

Interest coverage

-0.83

+45.6% 23–24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	—
EBITDA	€-92k
Net profit	€-206k
Cash flow	€-192k
Staff costs	€86k
Income taxes	€350
Dividends	—
Total assets	€2.40M
Equity	€110k
Debt	€2.29M
of which ≤ 1y	€2.19M
of which > 1y	—
Working capital	€163k
Employees (FTE)	1.0

Ratios (computed)

	2024
Current ratio	1.07
Quick ratio	0.18
Working capital ratio	6.8%
Solvency	4.6%
Debt / equity	20.78
Long-term debt ratio	—
Interest coverage	-0.83
Gross margin	—
Net margin	—
ROA	-8.6%
ROE	-186.8%
EBITDA margin	—
Days sales outstanding	—
Days payable outstanding	—
Inventory turnover	—
Days inventory (DSI)	—

Balance-sheet composition 2024

Assets

Fixed assets €45k · 1.9% Current assets €2.35M · 98.1%

Equity & liabilities

Equity €110k · 4.6% Debt €2.29M · 95.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet — Assets
TOTAL ASSETS	20/58	€2.40M
Fixed assets	21/28	€45k
Formation expenses	20	€12k
Intangible fixed assets	21	€18k
Tangible fixed assets	22/27	€27k
Current assets	29/58	€2.35M
Stocks & contracts in progress	3	€1.96M
Amounts receivable within one year	40/41	€215k
Cash & bank	54/58	€171k
Balance sheet — Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.40M
Equity	10/15	€110k
Contributions / capital	10/11	€510k
Accumulated profits (losses)	14	€-400k
Amounts payable	17/49	€2.29M
Amounts payable within one year	42/48	€2.19M
Trade debts payable within one year	44	€60k
Income statement
Gross operating margin	9900	€-5k
Operating result	9901	€-106k
Financial income	75	€12k
Financial charges	65	€111k
Result before taxes	9903	€-206k
Income taxes	67/77	€350
Net result for the period	9904	€-206k
Result to be appropriated	9905	€-206k

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Ratios computed by Checked.

Legal Structure

NACE primary	Wholesale trade(46730)
Legal form	Private limited company(610)
Incorporation	31-12-2022
Status	Active
Postal code	9100

Establishment units 1 location

Prins Boudewijnlaan 117, 9100 Sint-Niklaas

Handelsbemiddeling en groothandel in motorfietsen en delen en toebehoren van motorfietsen

since 20232.341.054.220

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.
46442C0190/00B002	Flanders	1.0 ha	1 · 5,485 m²	6.9 m · 2 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 2 events

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

2025

30-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

25-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

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Company registry (CBE) Crossroads Bank

Activities

Handelsbemiddeling en groothandel in motorfietsen en delen en toebehoren van motorfietsen45401Groothandel in motorfietsen, delen en toebehoren van motorfietsen46730Detailhandel in en onderhoud en reparatie van motorfietsen en delen en toebehoren van motorfietsen45402Groothandel in fietsen46495Groothandel in fietsen46495Detailhandel in motorrijwielen, delen en toebehoren van motorrijwielen47830

Primary activity highlighted.

Names & trade names

Legal nameNL

HELLO VELO

Registered office

Prins Boudewijnlaan 117

9100 Sint-Niklaas, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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