Financials
- Fiscal year
- 2026
- Total assets
- €3.6m
- Profit
- €37,876
- Solvency
- 38.5%
Total assets▲ 2.7%
Net result
20192026
KNAP OP
ActiveSummary
KNAP OP has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €1.4m and a net result of €37,876. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 221 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521Other non-specialised retail sale NACE 47120NACE 47191
#7 company by staff growth in Ostend, Wholesale and retail trade sector1 site
Size
€3.6mtotal assets 2026
- Staff
- 12.4 FTE
- Equity
- €1.4m
- Profit
- €37,876
Structure
Accounts filed 29 d late0 of 4 deeds read
Why 85- Liquidity: current ratio 1.68, cash €163,339- Sector Retail trade (NACE 47)+ Founded in 1980+ Figures for FY 2026 (filed 29-09-2026)Show the evidence
Checked score
Score 2026
85
/ 100
Excellent
Probability in this band: under 0.55%
Better than 48% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Financial strength · tick = 2025
Average
Solvency
63=
equity 38.5% of total assets
Liquidity
43=
short-term debt 29.8% · cash 4.5%
Profitability
53-1
return on assets 1.0%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 0.5%
09-2025: 0.9%▲ +68.8% vs 08-2025
10-2025: 1.1%▲ +19.9% vs 09-2025highest value
11-2025: 0.3%▼ -69.1% vs 10-2025
12-2025: 0.3%● 0.0% vs 11-2025
01-2026: 0.3%● 0.0% vs 12-2025
02-2026: 0.4%▲ +31.9% vs 01-2026
03-2026: 0.4%● 0.0% vs 02-2026
04-2026: 0.4%▼ -2.5% vs 03-2026
05-2026: 0.4%▲ +2.6% vs 04-2026
06-2026: 0.5%▲ +3.8% vs 05-2026
07-2026: 0.5%▲ +7.4% vs 06-2026
08-2026: 0.5%▲ +2.6% vs 07-2026
09-2026: 1.1%▲ +110% vs 08-2026
10-2026: 0.3%▼ -71.8% vs 09-2026lowest value
- Liquidity: current ratio 1.68, cash €163,339 raises the probability
- Sector Retail trade (NACE 47) raises the probability
- Founded in 1980 lowers the probability for this profile
- Figures for FY 2026 (filed 29-09-2026) lowers the probability
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.48 in 2025; short-term debt: 29.8% and cash: 4.5% of total assets), but 61.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 59%, liquidity 50%, profitability 35%, growth against the median 47%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 29-09-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2026
29 d late
2025
29 d late
2024
30 d late
2023
61 d late
2022
5 d late
2021
76 d late
2020
30 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 37 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 29 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-01-2027 close31-08-2027 deadline
- Annual accounts filedfiscal year 2026 · full…
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-08-2027
- 29-09-2026Annual accounts filed
- 29-09-2025Annual accounts filed
- 30-09-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Retail sale of hardware, building materials, paint and…NACE 47521
- Founded
- 28-02-1980
- Year ends
- 31-01
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies
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