KSTROCHUS
ActiveSummary
KSTROCHUS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302,346 and a net result of €452,346. Its solvency ranks better than 20% of 12,777 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 20-02-2024 Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110and 1 other
- Joint committee
- 202.01 Paritair Subcomité voor de middelgrote levensmiddelenbedrijven · annual accounts 30-06-2025
- Establishment unit
- 2.359.017.927 8500 Kortrijk, since 01-05-2024
- Financial year end
- 30 June
- Peppol
- Reachable since 04-11-2025
Board and ownership
Board
- JuloDirector · since 20-02-2024
- Shalane Diane VandemaeleDirector · since 20-02-2024
Shareholders
- Juloannual accounts 30-06-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.0%
Annual accounts to 30-06-2025
- Gross margin
- €3.5m
- Turnover
- ≈ €23.0m
- estimated
- Profit
- €452,346
- Equity
- €302,346
- Total assets
- €3.2m
- Employees on 30-06-2025
- 47
- 2025 accounts filed 27 days after the deadline
Score breakdownraises riskFounded in 2024Equity €302,346 (9.4% of total assets)lowers riskLiquidity: current ratio 2.33, cash €536,286Profit of €452,346 (financial year 2025)Show the evidence
Checked score
Score 2025
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 60% of small companies in retail trade (NACE 47)
Financial strength
Average
Solvency
34
equity 9.4% of total assets
Liquidity
54
short-term debt 36.8% · cash 16.7%
Profitability
86
return on assets 14.1%
Bankruptcy probability within 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2025: 1.8%
04-2025: 1.8%● unchanged vs 03-2025
05-2025: 1.9%▲ +0.1 percentage points vs 04-2025
06-2025: 2.2%▲ +0.3 percentage points vs 05-2025
07-2025: 2.3%▲ +0.1 percentage points vs 06-2025
08-2025: 2.6%▲ +0.3 percentage points vs 07-2025
09-2025: 2.6%● unchanged vs 08-2025
10-2025: 2.9%▲ +0.3 percentage points vs 09-2025
11-2025: 2.8%▼ -0.1 percentage points vs 10-2025
12-2025: 2.8%● unchanged vs 11-2025
01-2026: 3.0%▲ +0.2 percentage points vs 12-2025
02-2026: 3.2%▲ +0.2 percentage points vs 01-2026highest value
03-2026: 0.9%▼ -2.3 percentage points vs 02-2026lowest value
04-2026: 0.9%● unchanged vs 03-2026lowest value
05-2026: 0.9%● unchanged vs 04-2026lowest value
06-2026: 0.9%● unchanged vs 05-2026lowest value
07-2026: 0.9%● unchanged vs 06-2026lowest value
08-2026: 0.9%● unchanged vs 07-2026lowest value
09-2026: 1.0%▲ +0.1 percentage points vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Credit of up to €20,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 2.33, above the usual 1.5. Short-term debt is 36.8% and cash 16.7% of total assets. However, 90.6% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 21% of them on solvency, 72% on liquidity and 88% on profitability.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12777 sector peers (2025).
NBB · sector comparisonPosition among 12777 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
27 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 27 days after the deadline Filed on 27 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00045226.
Annual accounts 2025 filed on 27-02-2026 PDF
Turnover
≈ €23.0m
Estimated: probably between €14.0m and €28.0m
Total assets
€3.2m
Net result
€452,346
Working capital
€1.6m
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
Assets €3.2m
Fixed assets
€464,976
Current assets
€2.8m
Equity and liabilities €3.2m
Equity
€302,346
Debt
€2.9m
Debt's share of the balance-sheet total is 90.6%.
Key figures and ratios
EBITDA
€633,559
Cash flow
€521,842
Current ratio
2.33
Quick ratio
1.75
Debt to equity
9.64
ROE
149.6%
ROA
14.1%
Interest coverage
11.55
Debt ≤ 1 year
€1.2m
Debt > 1 year
€1.5m
Income taxes
€69,987
Staff costs
€2.8m
Staff
| Item | 30-06-2025 |
|---|---|
| Employees at the balance-sheet date | 47 |
| full-time | 20 |
| part-time | 27 |
| in full-time equivalents | 38.8 |
| Average over the year, in full-time equivalents | 39.9 |
| On a permanent contract | 47 |
| Joined | 60 |
| Left | 13 |
Source: social balance sheet in the 2025 annual accounts
Investments
| Item | 30-06-2025 |
|---|---|
| Tangible fixed assets | €534,257 |
| Intangible fixed assets | €1 |
| Depreciation and write-downs of the year | €69,496 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2025 · 1 entry · €176 awarded · €176 paidAnnual accounts
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €2.8m |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.07m |
| Other operating charges640/8 | €0.002m |
| Gross operating margin9900 | €3.5m |
| Operating profit (loss)9901 | €0.6m |
| Financial income75/76B | €0.01m |
| Recurring financial income75 | €0.01m |
| Financial charges65/66B | €0.05m |
| Recurring financial charges65 | €0.05m |
| Profit (loss) for the period before taxes9903 | €0.5m |
| Income taxes67/77 | €0.07m |
| Profit (loss) for the period9904 | €0.5m |
| Profit (loss) for the period to be appropriated9905 | €0.5m |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €3.2m | |
| Formation expenses20 | €0.001m | |
| Fixed assets21/28 | €0.5m | |
| Tangible fixed assets22/27 | €0.5m | |
| Plant, machinery and equipment23 | €0.5m | |
| Other tangible fixed assets26 | €0.007m | |
| Current assets29/58 | €2.8m | |
| Stocks and contracts in progress3 | €0.7m | |
| Stocks30/36 | €0.7m | |
| Amounts receivable within one year40/41 | €0.3m | |
| Trade receivables40 | €0.2m | |
| Other amounts receivable41 | €0.1m | |
| Current investments50/53 | €1.2m | |
| Cash at bank and in hand54/58 | €0.5m | |
| Deferred charges and accrued income490/1 | €0.02m | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €3.2m | |
| Equity10/15 | €0.3m | |
| Contributions10/11 | €0.2m | |
| Reserves13 | €0.2m | |
| Distributable reserves133 | €0.2m | |
| Profit (loss) carried forward14 | €0 | |
| Amounts payable17/49 | €2.9m | |
| Amounts payable after more than one year17 | €1.5m | |
| Trade debts175 | €1.5m | |
| Amounts payable within one year42/48 | €1.2m | |
| Trade debts44 | €0.5m | |
| Suppliers440/4 | €0.5m | |
| Taxes, remuneration and social security45 | €0.3m | |
| Taxes450/3 | €0.07m | |
| Remuneration and social security454/9 | €0.3m | |
| Other amounts payable47/48 | €0.3m | |
| Accrued charges and deferred income492/3 | €0.3m | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €452,346 |
| + Depreciation and write-downs630 | €69,496 |
| Operating cash flow (approximation) | €521,842 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 513 companies had the same profile as KSTROCHUS has now. Two years later, 96.3% were still going and 2.3% had gone bankrupt.
- Small
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
96.3%
was still going
1.4%
stopped otherwise
2.3%
went bankrupt
That fits the bankruptcy probability of KSTROCHUS itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 513 companies, not a prediction for KSTROCHUS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | abbreviated format | 27-02-2026 | 2026-00045226 |
Board & ownership
Directors
Directors
2 directors, no change since 2024
Julo
Current
Director (not named in the articles) · since 20-02-2024 · term without a fixed end · Limited partnership · listed in the 2025 annual accounts, filed on 27-02-2026
Shalane Diane Vandemaele
Current
Director (not named in the articles) · since 20-02-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 27-02-2026
Owners and capital
Shareholders
1 ownerOwners 1
-
share not stated
Capital transactions
Shareholders according to the deeds
At incorporation
act of 22-02-2024 ↗
- JULO (BE 0772.711.995) sole founder · 100% at incorporation
Capital over time
- 22-02-2024 Incorporation · €150,000 · 150 shares
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| Julo |
|
| Shalane Diane Vandemaele |
|
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
KNOORD
Shared corporate director
→
Timeline
Acts, filings and financial milestones
2026
27-02
abbreviated format · 27 days late
2024
22-02
Gazette deed
IncorporationStarting capital €150,000 · Appointments: JULO (director) and Shalane Diane Vandemaele (director) · Permanent representative: Shalane Diane Vandemaele · Founder9 points ▸
Gazette deed
Incorporation
Starting capital €150,000 · Appointments: JULO (director) and Shalane Diane Vandemaele (director) · Permanent representative: Shalane Diane Vandemaele · Founder9 points ▸
- Incorporation, “KSTROCHUS” (deed in Dutch)
- Founder, JULO
- Founding capital, €150,000
- Registered office clause, “Kortrijjk, Pater Beckstraat 47” (deed in Dutch)
- Board rule, 2, “vergadering” (deed in Dutch)
- Director appointment, JULO (director (not named in the articles))
- Director appointment, Shalane Diane Vandemaele (director (not named in the articles))
- Permanent representative, Shalane Diane Vandemaele
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en activiteiten ondernomen in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordName
KSTROCHUS in Dutch
Trade name
DELHAIZE KORTRIJK SINT-ROCHUS in Dutch
Enterprise number
1006.190.896
Legal form
Private limited company
Status
Active, normale toestand
Founded
20-02-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 22-02-2024 (in Dutch)Name clauseThe company operates under this name according to its articles.
Delhaize Kortrijk Sint-Rochus
deed of 22-02-2024 (in Dutch)Registered office and establishments
Registered office
Pater Beckstraat(Kor) 47, 8500 Kortrijk, Belgium
Establishment unit
Delhaize Kortrijk Sint-Rochus, Pater Beckstraat(Kor) 47, 8500 Kortrijk since 01-05-2024 · unit number 2.359.017.927
Activities
NACEBEL 2025VAT activities
47110
Non-specialised retail sale with food, beverages or tobacco predominating main activity
47120
Other non-specialised retail sale
Social security (RSZ) activities
47110
Non-specialised retail sale with food, beverages or tobacco predominating main activity
Codes under NACEBEL 2008
VAT activities
47114
Supermarkets main activity
47910
Retail trade
Social security (RSZ) activities
47114
Supermarkets main activity
Joint committee
202.01 Paritair Subcomité voor de middelgrote levensmiddelenbedrijven annual accounts 30-06-2025
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 22-02-2024 (in Dutch)
“De uitbating van supermarkten,groot- en kleinhandel,aan- en verkoop,in- en uitvoer van voedingswaren,eigen bereidingen en artikelen die…”
33 activities
- De uitbating van supermarkten,groot- en kleinhandel,aan- en verkoop,in- en uitvoer van voedingswaren,eigen bereidingen en artikelen die behoren tot het volledige winkelassortiment evenals het voeren van alle activiteiten welke daarmee rechtsreeks en onrechtstreeks verband houden,zoals:beenhouwerij,verse vis,gevogelte,kaas en zuivel,bakkerij en banketbakkers- en suikerwerk,groenten en fruit,traiteurdienst,de aan–en verkoop en het bereiden van koude en warme maaltijden en snacks,de aan- en verkoop van dranken,bieren,wijnen,likeuren en rookartikelen,dit alles in de meest ruime zin,inclusief de uitbating van verkooppunten(shop in the shop)
- De klein- en groothandel in voedings- en genotsmiddelen,de handel in algemene voedingsmiddelen,margarines en vetten,soepen,sausen,kruiden en specerijen,droge voeding,bakproducten,conserven en diepvriesproducten,snoep,markt- en straathandel in voedingsmiddelen en textielwaren,handel in onderhouds- en verzorgingsproducten,parfumerie,drank- en wijnhandel met inbegrip van alcoholische dranken,speelgoed,seizoenartikelen,audio,multimedia,video- en fotoartikelen
- De klein- en groothandel in non-foodartikelen
- De klein- en groothandel in tabaksproducten en rookwaren,boeken,kranten,tijdschriften,papierwaren,kantoorbenodigdheden,speelgoed,geschenken,imitatiesieraden,gadgets en ambachtelijke producten
- De activiteiten in verband de verkoop van loterijbriefjes,het afleveren en inzamelen van deelnemingsformulieren voor acties
- De klein- en groothandel in doe het zelf artikelen,tuingereedschap,dierenartikelen,bloemen en planten,textielproducten,schoeisel en lederwaren
- De klein- en groothandel in veevoeders en dierenvoeding
- De klein- en groothandel en de in- en uitvoer van alle horecabenodigdheden en meubilair,inrichting en installaties voor horeca-zaken
- De groot- en kleinhandel in kleding,textiel en accessoires,inclusief de uitbating van de verkooppunten
- De aan- en verkoop,in- en uitvoer,groot- en kleinhandel in groenten en fruit,het conditioneren ervan,inclusief de opslag en logistieke werkzaamheden rond transport,verpakking,levering,etcetera
- De aan- en verkoop,in- en uitvoer,groot-en kleinhandel in meubelen,tuinmeubelen,decoratie-artikelen en–accessoires
- De activiteiten van interieurconsulent,interieurdecorateur,de uitbating van meubelwinkel,decoratiewinkel,interieurwinkel en detailhandel in artikelen/volledig assortiment voor binnenhuis- en woninginrichting,tapijten,gordijnen,textiel en stoffen al dan niet bedrukt,behang,muurbekleding,kunst,bed- en bedlinnen in de breedste zin
- De uitbating van een verbruikszalen en eetgelegenheden met of zonder bediening inclusief de activiteiten als restauranthouder.Catering,bereiden,eventueel serveren van maaltijden en bereide schotels
- Het inrichten en organiseren van feestelijkheden,recepties,seminaries,congressen,tentoonstellingen,events,dit alles in de meest ruime zin,zowel voor eigen rekening,voor rekening van derden of in deelneming met derden,alsmede de uitvoering van alle handelingen die rechtstreeks of onrechtstreeks hiermee verband houden
- Het verstrekken van secretariaatsondersteuning en encodage-diensten al dan niet in onderaanneming
- Tussenpersoon voor telecomdiensten en leveranciers voor nutsvoorzieningen
- Het verstrekken van technische prestaties en algemene montage-diensten al dan niet in onderaanneming
- De verhuring van divers materiaal,alle roerende en onroerende goederen
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen en diensten,in het kort tussenpersoon in de handel
- Handelsbemiddeling,al dan niet via gebruik van webshop(webwinkel)en/of webportalen,detailhandel in allerlei producten via het internet(e-commerce),overige zakelijke dienstverlening
- Het goederenvervoer over de weg,bestel- en koerierdiensten inclusief expressleveringen,leveringen aan huis
- De activiteiten van franchisegever,het verlenen van franchises,agenturen en handelsagenturen
- Het verstrekken van adviezen inzake management,het begeleiden en adviseren inzake crisismanagement,verkoopspromotie en public-relations,het organiseren van alle verkoops- en prestaties bevorderende activiteiten;het verlenen van adviezen van financiële,commerciële,organisatorische,operationele,technologische of administratieve aard in de ruimste zin;het verlenen van bijstand en ondersteunende diensten,zonder enige beperking,aan personen,bedrijven en de overheid,rechtstreeks of onrechtstreeks,op vlak van administratie,verkoop,productie en algemeen bestuur in de ruimste zin,en dit zowel voor nieuw op te richten als bestaande ondernemingen
- De organisatie van evenementen met verhuur van tenten en benodigdheden voor bedrijfsfeesten,tentoonstellingen,enzovoort
- De handelsbemiddeling,gespecialiseerd in overige goederen,al dan via gebruik van webshop
- De exploitatie van paardenhouderij/paardenstoeterij;de aankoop en verkoop van paarden;het fokken van paarden;de begeleiding met paarden,zowel activiteiten als therapie;zorg met paarden,zowel recreatieve,educatieve als curatieve activiteiten met therapeutische effecten;de activiteiten van paardensportsportclubs;klein- en groothandel in uitrusting voor paarden
- De uitbating van vakantieverblijven en/of trainingscentra in België en het buitenland met aangepaste infrastructuur,met of zonder restaurant
- De studie en het bevorderen van de ontwikkeling van technologische innovaties,het daarmee gepaard gaande in licentie nemen of geven van brevetten,octrooien,knowhow en andere intellectuele rechten
- Het verstrekken van informatie en/of onderricht,het organiseren en geven van seminaries,trainingen,lezingen,voordrachten,bijscholingen;het publiceren van artikels,vakliteratuur,alsmede de uitvoering van alle handelingen die rechtstreeks of onrechtstreeks hiermee verband houden
- Het verrichten van alle handelingen welke rechtstreeks of onrechtstreeks in verband staan met haar voorwerp
- Het investeren en beleggen in(on)roerende goederen,dit zowel in België als het buitenland,zoals:het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten(blote eigendom,tréfonds,vruchtgebruik,recht van opstal,erfpacht,…);de aankoop,verkoop,beheer,uitbating,inrichting,huur en/of leasen,verhuur en andere diensten in verband met onroerend goed
- De aan- en verkoop,huur en verhuur,leasen van roerende goederen,begeleidende accommodaties,inclusief gebouwen,kortom van een volledige materiële infrastructuur;het verstrekken van leningen of voorschotten,hypothekeren of in het algemeen bezwaren van onroerende goederen en/of enig recht of belang in onroerende goederen;alsmede zich borg stellen voor het goede verloop van verbintenissen,door derde personen aangegaan,die het genot zouden hebben van voormelde roerende en onroerende goederen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen;alle verrichtingen met betrekking tot roerende goederen en rechten van welke aard ook(blote eigendom,vruchtgebruik,….),zoals het verwerven door inbreng,inschrijving of aankoop,het beheren van aandelen,certificaten van aandelen,aandelenopties,obligaties,kasbons,afgeleide producten,winstbewijzen of andere roerende waarden in de meest ruime zin,van welke vorm ook,uitgegeven door Belgische of buitenlandse emittenten
Invoicing and payment
VAT number
BE 1006.190.896
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyKortrijkunit number 2.359.017.927
Sites & property
Location
Buildings and parcels at the address
Ground area
4,543 m²
Building footprint
2,601 m²
Building volume
11,799 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34022E0129/00T002 | Flanders | 4,543 m² | 1 · 2,600 m² | 12.7 m · 2 |