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Generated 09-08-2026
Active BE 0795.130.774Private limited company

Independent Spirits

Jules Vantieghemstraat(D) 100 ·7711 Mouscron, Belgium· 3 yrs active
Sector: Financial services (64210)
Conclusion Checked

Independent Spirits is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.36M and a net result of €637k. Its solvency ranks better than 32% of 216 sector peers (fiscal year 2025). 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 €3.36M
Net result €637k
Better than sector 32%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability95Solvency47Growth78Stability94
63 / 100

Strong profile, led by profitability.

Health 0
Profitability 95
Solvency 47
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

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
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview2 NBB filings
Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · volledig
€-1.00M€-500k€0€500kOperating result 2024: €78k€78kNet result 2024: €-527k€-527kOperating result 2025: €194k€194kNet result 2025: €637k€637k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 37.1% 55.4%
better than 32% of 216 sector peers
Net result €637k €65k
better than 75% of 216 sector peers
Equity €3.36M €3.31M
better than 50% of 216 sector peers
Gross operating margin €217k €48k
better than 85% of 101 sector peers
Total assets €9.05M €6.77M
better than 53% of 216 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€637k
- far above sector median
Total assets
€9.05M
+0.6% far above sector median
Equity
€3.36M
+23.4% far above sector median
Debt
€5.69M
-9.3% far above sector median
Debt ≤ 1y
€929k
-26.3% far above sector median
Debt > 1y
€4.25M
-9.3% far above sector median
Solvency
37.1%
+22.6% -56% vs sector
ROE
18.9%
- far above sector median
ROA
7.0%
- far above sector median
Figures by fiscal year
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€637k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€9.05M
Equity€3.36M
Debt€5.69M
of which ≤ 1y€929k
of which > 1y€4.25M
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency37.1%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA7.0%
ROE18.9%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€9.05M
Fixed assets 21/28€8.89M
Intangible fixed assets 21€54k
Tangible fixed assets 22/27€65k
Financial fixed assets 28€8.77M
Current assets 29/58€161k
Stocks & contracts in progress 3€121k
Amounts receivable within one year 40/41€20k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9.05M
Equity 10/15€3.36M
Contributions / capital 10/11€3.25M
Accumulated profits (losses) 14€110k
Amounts payable 17/49€5.69M
Amounts payable after one year 17€4.25M
Amounts payable within one year 42/48€929k
Trade debts payable within one year 44€66k
Income statement
Gross operating margin 9900€217k
Operating result 9901€194k
Financial income 75€855k
Financial charges 65€412k
Result before taxes 9903€637k
Net result for the period 9904€637k
Result to be appropriated 9905€637k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation20-12-2022
StatusActive
Postal code7711
Connections & network 1 connected companies
Group structure
PREMIUM SPIRITS
Subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
Independent Spirits
Jules Vantieghemstraat(D) 100, 7711 MouscronOp lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren
since 20222.343.637.289
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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
54003R1987/00A000 Wallonia 3,452 m² 1 · 1,011 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 3 events

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

2026
30-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
31-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2023
19-01-2023
State Gazette act Minor change
Fusion completed · Sophie MAQUET
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
19-01-2023 Publication in the Belgian Official Gazette, Minor change Minor change·Sophie MAQUET
Summary: Fusion completedNotary: Sophie MAQUET · Bruxelles
Technical details 
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  "notary": {
    "name": "Sophie MAQUET",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-01-19",
    "filing_date": "2023-01-17",
    "act_kind_objet": "ASSEMBLEE GENERALE"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-12-28",
    "unanimous": true
  },
  "agm_change": null,
  "detected_kind": "fusion_completed",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0795.130.774",
    "name_full": "Independent Spirits",
    "legal_form": "SRL"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "1 exp\u00E9dition",
    "1 rapport du conseil d\u0027administration",
    "statuts coordonn\u00E9s"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": 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.

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
Holdings64200Activiteiten van holdings64210Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR Independent Spirits
Registered office
Jules Vantieghemstraat(D) 100
7711 Mouscron, 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