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Complete company report
Generated 05-09-2026
Active BE 0802.583.938Private limited company

LAVAZZA

Assesteenweg 231 ·1740 Ternat, Belgium· 3 yrs active
Sector: Non-specialised retail sale with food, beverages or tobacco predominating (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of LAVAZZA is 2.1% (moderate). The 2025 annual accounts show equity of €14k and a net result of €2k. Its solvency ranks better than 43% of 17366 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €14k
Net result €2k
Better than sector 43%
Active 3 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health61Profitability83Solvency34Growth78Stability94
70 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 61
Profitability 83
Solvency 34
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.1% Moderate
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
61 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€1k
estimate, not credit advice
Score history
20 2024
61 2025
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 0.75 (< 1.0) -10
Quick ratio Quick ratio 0.48 (< 0.6) -5
Profitability ROE 17% (≥ 10%) +10
Interest coverage Interest coverage 228.1× (≥ 3×) +8
Profit trend Net profit up YoY +5
Equity growth Equity growing YoY +3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 13-07-2026 with the NBB · fiscal year 2025 · micro schema
€-40k€-20k€0Operating result 2024: €-38k€-38kNet result 2024: €-38k€-38kOperating result 2025: €2k€2kNet result 2025: €2k€2k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 26.2% 34.6%
better than 43% of 17366 sector peers
Net result €2k €5k
better than 43% of 17348 sector peers
Equity €14k €44k
better than 33% of 17394 sector peers
Gross operating margin €42k €34k
better than 55% of 17313 sector peers
Staff costs €32k €40k
higher than 43% of 7870 sector peers
EBITDA
€10k
- 24-25
Net profit
€2k
- 24-25
Cash flow
€10k
- 24-25
Total assets
€54k
+46.6% 24-25
Equity
€14k
+19.8% 24-25
Working capital
€-10k
-177.5% 24-25
Staff costs
€32k
+82.7% 24-25
Debt
€40k
+59.3% 24-25
Debt ≤ 1y
€40k
+59.3% 24-25
Current ratio
0.75
-12.6% 24-25
Quick ratio
0.48
-43.5% 24-25
Solvency
26.2%
-18.3% 24-25
Debt / equity
2.82
+32.9% 24-25
ROE
16.6%
- 24-25
ROA
4.3%
- 24-25
Interest coverage
228.13
- 24-25
Figures by fiscal year and ratios
Fiscal year20252024
Depositmicro schemamicro schema
Revenue--
EBITDA€10k€-33k
Net profit€2k€-38k
Cash flow€10k€-33k
Staff costs€32k€18k
Income taxes--
Dividends--
Total assets€54k€37k
Equity€14k€12k
Debt€40k€25k
of which ≤ 1y€40k€25k
of which > 1y--
Working capital€-10k€-4k
Employees (FTE)--
Ratios (computed)
20252024
Current ratio0.750.86
Quick ratio0.480.86
Working capital ratio-18.6%-9.8%
Solvency26.2%32.0%
Debt / equity2.822.12
Long-term debt ratio--
Interest coverage228.13-688.06
Gross margin--
Net margin--
ROA4.3%-103.0%
ROE16.6%-321.9%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Balance-sheet composition 2025
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20252024
Balance sheet, Assets
TOTAL ASSETS 20/58€54k€37k
Fixed assets 21/28€24k€15k
Tangible fixed assets 22/27€24k€15k
Current assets 29/58€30k€22k
Stocks & contracts in progress 3€11k-
Amounts receivable within one year 40/41€12k€20k
Cash & bank 54/58€8k€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€54k€37k
Equity 10/15€14k€12k
Contributions / capital 10/11€50k€50k
Accumulated profits (losses) 14€-36k€-38k
Amounts payable 17/49€40k€25k
Amounts payable within one year 42/48€40k€25k
Trade debts payable within one year 44€21k€15k
Income statement
Gross operating margin 9900€42k€-16k
Operating result 9901€2k€-38k
Financial charges 65€45€49
Result before taxes 9903€2k€-38k
Net result for the period 9904€2k€-38k
Result to be appropriated 9905€2k€-38k
Directors & mandates 2 directors
Current directors & mandates
  • Kharkhach Abdellatif
    Director
    State Gazette act 25055460 (29-04-2025)
    Current
    29-04-2025 → present
Former directors (1)
  • Rahhab Siham
    Director
    State Gazette act 25055460 (29-04-2025)
    Former
    - → 29-04-2025
Legal Structure
NACE primary Non-specialised retail sale with food, beverages or tobacco predominating(47110)
Legal form Private limited company(610)
Incorporation09-06-2023
StatusActive
Postal code1740
Establishment units 1 location
LAVAZZA
Groeninghestraat 2-4, 1080 Sint-Jans-MolenbeekNon-specialised retail sale with food, beverages or tobacco predominating
since 20232.346.217.588
Real-estate footprint Source: CBE × cadastre
Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
23086A0285/00D000 Flanders 671 m² 1 · 144 m² -
21523B0779/00V002 Brussels 166 m² 1 · 193 m² 16.9 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events
Next filing, fiscal year 2026, expected by 31-07-2027
2026
13-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €2k
Net result €2k after one loss-making year.
17-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
29-04
State Gazette act Capital & shares
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Capital history · 1
29-04-2025
Capital change
All acts · 1 updated 1 year ago
2025
29-04-2025 Transaction in capital or shares Capital & shares
Technical details 
{
  "events": [
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "RAHHAB Siham",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": null,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Kharkhach Abellatif",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": null,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Kharkhach Abdellatif",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 100,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-04-29",
    "filing_date": "2025-03-31",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2025-03-31",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2025-03-31"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0802.583.938",
    "name_full": "LAVAZZA",
    "legal_form": "BESLOTEN VENNOOTSCHAP",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Kharkhach Abdellatif",
      "role": "aandeelhouder",
      "n_shares": 100,
      "share_class": null
    }
  ],
  "share_classes_after": []
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Non-specialised retail sale with food, beverages or tobacco predominating47110Retail sale of fruit and vegetables47210Retail trade47271
Names & trade names
Legal nameNL LAVAZZA
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative

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