KIRMAN
ActiveSummary
KIRMAN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207,115 and a net result of €26,334. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▼-27
Solvency59▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.72 in 2024; short-term debt: 43.3% and cash: 4.4% of total assets), and 65.9% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.1%
Return on assets
4.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
16 d early
2024
29 d early
2023
61 d late
2022
31 d late
2021
38 d late
2020
1 d early
2019
70 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26,334▲ 28.3%
2024 · €20,526
Working capital
-€124,610▼ 78.9%
2024 · -€69,640
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€50,300▼ 49.4%€35,487▼ 29.4%-€3,927€34,820-€1,277
Net result€31,179above the sector's middle half▼ 54.3%€12,517within the sector's middle half▼ 59.9%-€16,919below the sector's middle half€20,526within the sector's middle half€26,334within the sector's middle half▲ 28.3%
Equity€205,366above the sector's middle half▲ 15.7%€216,556within the sector's middle half▲ 5.4%€197,317within the sector's middle half▼ 8.9%€215,523within the sector's middle half▲ 9.2%€207,115within the sector's middle half▼ 3.9%
Total assets€837,670above the sector's middle half▲ 6.8%€864,257within the sector's middle half▲ 3.2%€758,391within the sector's middle half▼ 12.2%€679,452within the sector's middle half▼ 10.4%€607,857within the sector's middle half▼ 10.5%
Debt€609,813▲ 4.4%€627,397▲ 2.9%€541,966▼ 13.6%€446,017▼ 17.7%€400,742▼ 10.2%
Working capital-€13,940▼ 4,115%-€28,397▼ 104%-€71,685▼ 152%-€69,640▲ 2.9%-€124,610▼ 78.9%
Solvency24.5%within the sector's middle half▲ 1.9pp25.1%within the sector's middle half▲ 0.5pp26.0%within the sector's middle half▲ 1.0pp31.7%within the sector's middle half▲ 5.7pp34.1%within the sector's middle half▲ 2.4pp
Staff (FTE)6.26.4within the sector's middle half▲ 3.2%6.5within the sector's middle half▲ 1.6%6.5within the sector's middle half=6.5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,277 after €34,820 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €607,857
Fixed assets
€469,525 ▼ 6.1%
Current assets
€138,332 ▼ 22.8%
Equity and liabilities €607,857
Equity
€207,115 ▼ 3.9%
Provisions
€0 ▼ 100%
Debt
€400,742 ▼ 10.2%
Debt's share of the balance-sheet total rises from 65.6% to 65.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33,385▼
2024 · €73,894
Cash flow
€60,996▲
2024 · €59,599
Current ratio
0.53▼
2024 · 0.72
Quick ratio
0.20▼
2024 · 0.30
Debt to equity
1.93▼
2024 · 2.07
ROE
12.7%▲
2024 · 9.5%
ROA
4.3%▲
2024 · 3.0%
Interest coverage
2.36▼
2024 · 5.85
Debt ≤ 1 year
€262,942▲
2024 · €248,846
Debt > 1 year
€137,801▼
2024 · €197,171
Income taxes
€10,957▲
2024 · €5,292
Staff costs
€286,318▲
2024 · €266,854
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,027 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €253,529 | €267,009 | €280,382 | €266,854 | €286,318 | ▲ 7.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31,831 | €42,995 | €41,259 | €39,074 | €34,662 | ▼ 11.3% |
| Other operating charges640/8 | €12,535 | €11,881 | €14,430 | €14,629 | €14,988 | ▲ 2.5% |
| Non-recurring operating charges66A | - | - | - | €53 | - | - |
| Gross operating margin9900 | €348,195 | €357,372 | €332,143 | €355,429 | €334,691 | ▼ 5.8% |
| Operating profit (loss)9901 | €50,300 | €35,487 | -€3,927 | €34,820 | -€1,277 | ▼ 104% |
| Financial income75/76B | €2,338 | €2,760 | €2,374 | €2,437 | €34,775 | ▲ 1,327% |
| Recurring financial income75 | €2,338 | €2,760 | €2,374 | €2,437 | €34,775 | ▲ 1,327% |
| Financial charges65/66B | €17,097 | €20,190 | €16,160 | €12,635 | €14,120 | ▲ 11.8% |
| Recurring financial charges65 | €17,097 | €20,190 | €16,160 | €12,635 | €14,120 | ▲ 11.8% |
| Profit (loss) for the period before taxes9903 | €35,541 | €18,058 | -€17,713 | €24,622 | €19,378 | ▼ 21.3% |
| Transfer from deferred taxes780 | €1,195 | €1,195 | €1,195 | €1,195 | €17,913 | ▲ 1,399% |
| Income taxes67/77 | €5,558 | €6,736 | €401 | €5,292 | €10,957 | ▲ 107% |
| Profit (loss) for the period9904 | €31,179 | €12,517 | -€16,919 | €20,526 | €26,334 | ▲ 28.3% |
| Profit (loss) for the period to be appropriated9905 | €31,179 | €12,517 | -€16,919 | €20,526 | €26,334 | ▲ 28.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €837,670 | €864,257 | €758,391 | €679,452 | €607,857 | ▼ 10.5% |
| Fixed assets21/28 | €617,196 | €581,151 | €542,620 | €500,247 | €469,525 | ▼ 6.1% |
| Tangible fixed assets22/27 | €617,147 | €581,102 | €541,973 | €499,599 | €468,877 | ▼ 6.1% |
| Land and buildings22 | €536,877 | €512,281 | €486,568 | €461,475 | €438,045 | ▼ 5.1% |
| Plant, machinery and equipment23 | €19,317 | €18,320 | €13,836 | €8,064 | €9,321 | ▲ 15.6% |
| Furniture and vehicles24 | €60,953 | €50,501 | €41,569 | €30,060 | €21,511 | ▼ 28.4% |
| Financial fixed assets28 | €50 | €50 | €648 | €648 | €648 | = |
| Current assets29/58 | €220,474 | €283,105 | €215,771 | €179,206 | €138,332 | ▼ 22.8% |
| Stocks and contracts in progress3 | €111,156 | €106,417 | €101,658 | €104,311 | €85,549 | ▼ 18.0% |
| Stocks30/36 | €111,156 | €106,417 | €101,658 | €104,311 | €85,549 | ▼ 18.0% |
| Amounts receivable within one year40/41 | €19,349 | €67,020 | €34,470 | €36,815 | €21,964 | ▼ 40.3% |
| Trade receivables40 | €14,687 | €58,973 | €15,726 | €15,805 | €15,914 | ▲ 0.7% |
| Other amounts receivable41 | €4,663 | €8,046 | €18,744 | €21,010 | €6,050 | ▼ 71.2% |
| Cash at bank and in hand54/58 | €89,969 | €108,821 | €77,654 | €33,776 | €26,515 | ▼ 21.5% |
| Deferred charges and accrued income490/1 | - | €848 | €1,988 | €4,303 | €4,303 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €837,670 | €864,257 | €758,391 | €679,452 | €607,857 | ▼ 10.5% |
| Equity10/15 | €205,366 | €216,556 | €197,317 | €215,523 | €207,115 | ▼ 3.9% |
| Contributions10/11 | €89,000 | €89,000 | €89,000 | €89,000 | €89,000 | = |
| Reserves13 | €40,079 | €52,595 | €43,695 | €43,695 | €43,695 | = |
| Non-distributable reserves130/1 | €8,900 | €8,900 | - | - | - | - |
| Reserves not available under the articles1311 | €8,900 | €8,900 | - | - | - | - |
| Distributable reserves133 | €31,179 | €43,695 | €43,695 | €43,695 | €43,695 | = |
| Profit (loss) carried forward14 | €35,579 | €35,579 | €27,560 | €48,085 | €74,420 | ▲ 54.8% |
| Investment grants15 | €40,709 | €39,382 | €37,062 | €34,742 | - | - |
| Provisions and deferred taxes16 | €22,492 | €20,303 | €19,108 | €17,913 | - | - |
| Deferred taxes168 | €22,492 | €20,303 | €19,108 | €17,913 | - | - |
| Amounts payable17/49 | €609,813 | €627,397 | €541,966 | €446,017 | €400,742 | ▼ 10.2% |
| Amounts payable after more than one year17 | €375,399 | €315,895 | €254,511 | €197,171 | €137,801 | ▼ 30.1% |
| Financial debts170/4 | €341,399 | €287,895 | €232,511 | €175,171 | €115,801 | ▼ 33.9% |
| Other amounts payable178/9 | €34,000 | €28,000 | €22,000 | €22,000 | €22,000 | = |
| Amounts payable within one year42/48 | €234,414 | €311,503 | €287,455 | €248,846 | €262,942 | ▲ 5.7% |
| Current portion of amounts payable after more than one year42 | €51,674 | €56,029 | €55,384 | €57,340 | €59,371 | ▲ 3.5% |
| Financial debts43 | - | - | €2,569 | €2,537 | €2,537 | = |
| Credit institutions430/8 | - | - | €2,569 | €2,537 | €2,537 | = |
| Trade debts44 | €124,154 | €205,762 | €173,862 | €143,986 | €151,185 | ▲ 5.0% |
| Suppliers440/4 | €124,154 | €205,762 | €173,862 | €143,986 | €151,185 | ▲ 5.0% |
| Taxes, remuneration and social security45 | €58,585 | €49,712 | €55,640 | €44,983 | €49,849 | ▲ 10.8% |
| Taxes450/3 | €26,236 | €14,232 | €13,603 | €11,192 | €13,939 | ▲ 24.5% |
| Remuneration and social security454/9 | €32,349 | €35,480 | €42,037 | €33,791 | €35,910 | ▲ 6.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,179 | €12,517 | -€16,919 | €20,526 | €26,334 | ▲ 28.3% |
| + Depreciation and write-downs630 | €31,831 | €42,995 | €41,259 | €39,074 | €34,662 | ▼ 11.3% |
| Operating cash flow (approximation) | €63,009 | €55,511 | €24,340 | €59,599 | €60,996 | ▲ 2.3% |
| Investment in fixed assets (approximation) | - | -€6,950 | -€2,728 | €3,300 | -€3,941 | ▼ 219% |
| Change in cash | - | €18,852 | -€31,167 | -€43,878 | -€7,261 | ▲ 83.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €20,526
Net result €20,526 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €215,523 ▲9.2%
Equity rises from €197,317 to €215,523.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet -€16,919
Net result drops to -€16,919, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 38 days late
2021
31-12
Financial
Equity above €200,000Eq €205,366 ▲15.7%
2 profitable years in a row build equity to €205,366.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €68,188
Net result €68,188 after one loss-making year.
Show earlier events
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 1 establishment unit since 2000
Ground area
8,647 m²
Building footprint
1,696 m²
Volume, LiDAR
7,576 m³
Parcel 21523B0895/00P000, Brussels · tallest building 14.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tom & Co
since 20002.096.672.519
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0895/00P000 | Brussels | 8,647 m² | 1 · 1,696 m² | 14.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.096.672.519
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Of 1,330 companies in sector 47762 we hold annual accounts for 479. 372 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-05-2000
Fiscal year end31-12
Activities, NACEBEL 2025
47762Retail sale of pets, pet food and pet supplies
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0471897872
Also
9925:BE0471897872
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.