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LEAF & MORE

Active
Private limited companyfounded 20179 yrs activeEindestraat 3, 9111 Sint-Niklaas, BelgiumKBO/BCE: BE 0675.407.634
Summary

LEAF & MORE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88,286 and a net result of €56,043. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 24% of 9624 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
LEAF & MOREActiveChecked score 87/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46350
1 site
Size
€509,410total assets 2025
Equity
€88,286
Profit
€56,043
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Largest shareholder
IDEE FIX CONSULTING · 10%
Accounts filed 18 d late0 of 2 deeds read
Why 87- Equity €88,286 (17.3% of total assets)+ Size: total assets €509,410+ Liquidity: current ratio 1.21, cash €304,426+ Figures for FY 2025 (filed 18-08-2026)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 36% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 42-42
equity 17.3% of total assets
Liquidity 55-26
short-term debt 82.7% · cash 59.8%
Profitability 65-35
return on assets 11.0%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▼ -6.8% vs 11-2024 01-2025: 0.1%▼ -0.9% vs 12-2024 02-2025: 0.1%▼ -5.6% vs 01-2025 03-2025: 0.1%▲ +3.9% vs 02-2025 04-2025: 0.1%▲ +16.0% vs 03-2025 05-2025: 0.1%▲ +7.3% vs 04-2025 06-2025: 0.1%▲ +3.8% vs 05-2025 07-2025: 0.2%▲ +22.6% vs 06-2025 08-2025: 0.1%▼ -53.6% vs 07-2025 09-2025: 0.1%▼ -5.1% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.4% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%▲ +4.1% vs 03-2026 05-2026: 0.1%▼ -1.3% vs 04-2026 06-2026: 0.1%▼ -1.3% vs 05-2026 07-2026: 0.1%▲ +13.5% vs 06-2026 08-2026: 0.2%▲ +135% vs 07-2026 09-2026: 0.2%▲ +9.1% vs 08-2026highest value 10-2026: 0.2%▼ -5.6% vs 09-2026
  • Size: total assets €509,410 lowers the probability for this profile
  • Liquidity: current ratio 1.21, cash €304,426 lowers the probability
  • Equity €88,286 (17.3% of total assets) raises the probability
  • Figures for FY 2025 (filed 18-08-2026) lowers the probability
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.21 against 2.47 in 2024; short-term debt: 82.7% and cash: 59.8% of total assets), and 82.7% 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 46, micro). Better than this share of them on solvency 29%, liquidity 60%, profitability 47%, growth against the median 9%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €509,410
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.21, cash €304,426
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Equity €88,286 (17.3% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 18-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9624 sector peers (2025).
NBB · sector comparison
Position among 9624 sector peers
Solvency
better than 24%
← weakest strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filings
Deviation from the deadline
2025
18 d late
2024
2 d early
2023
on the day
2022
45 d early
2021
4 d early
2020
2 d early
2019
26 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 1 day before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 29 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Caution: Result fell in 2025from €137,055 to €56,043 ▼ 59.1% View
  • Positive: 8 profitable years in a rowprofit 2025: €56,043 8 years View
  • Total assets 20256 fiscal years filed €509,410 View

By topic

Financials

Fiscal year
2025
Total assets
€509,410
Profit
€56,043
Solvency
17.3%
Total assets▲ 61.8%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2018
Next accounts
by 31-07-2027
  1. 18-08-2026Annual accounts filed
  2. 29-07-2025Annual accounts filed
  3. 31-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46350
Founded
04-05-2017
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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