NARDELLO
ActiveSummary
The computed 12-month bankruptcy probability of NARDELLO is 1.9% (moderate). The 2024 annual accounts show negative equity (-€32,307) and a net result of -€1,045. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 5% of 26043 sector peers (fiscal year 2024). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Age of the figures
Age of the figures
21 mo
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
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 →
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
26 d late
2023
38 d early
2022
49 d early
2021
57 d early
2020
69 d early
2019
71 d early
← 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 42 days before 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 22 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
-€32,307▼ 3.3%
2023 · -€31,263
Total assets
€278▼ 52.4%
2023 · €583
Net result
-€1,045▲ 44.0%
2023 · -€1,864
Working capital
-€32,307▼ 2.7%
2023 · -€31,444
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
Line20202021202220232024
Operating result-€2,170▼ 163%-€5,793▼ 167%-€1,969▲ 66.0%-€1,690▲ 14.2%-€873▲ 48.4%
Net result-€2,645below the sector's middle half▼ 33.5%-€5,931below the sector's middle half▼ 124%-€2,903within the sector's middle half▲ 51.1%-€1,864within the sector's middle half▲ 35.8%-€1,045within the sector's middle half▲ 44.0%
Equity-€20,564below the sector's middle half▼ 14.8%-€26,495below the sector's middle half▼ 28.8%-€29,398below the sector's middle half▼ 11.0%-€31,263below the sector's middle half▼ 6.3%-€32,307below the sector's middle half▼ 3.3%
Total assets€13,040below the sector's middle half▼ 11.9%€8,006below the sector's middle half▼ 38.6%€703below the sector's middle half▼ 91.2%€583below the sector's middle half▼ 17.1%€278below the sector's middle half▼ 52.4%
Debt€33,604▲ 2.7%€34,501▲ 2.7%€30,101▼ 12.8%€31,846▲ 5.8%€32,585▲ 2.3%
Working capital-€30,689below the sector's middle half▲ 2.3%-€33,793below the sector's middle half▼ 10.1%-€29,799below the sector's middle half▲ 11.8%-€31,444below the sector's middle half▼ 5.5%-€32,307below the sector's middle half▼ 2.7%
Solvency-157.7%below the sector's middle half▼ 36.6pp-330.9%below the sector's middle half▼ 173.2pp
Current ratio0.09below the sector's middle half▲ 0.050.02below the sector's middle half▼ 0.07
Return on assets (ROA)-20.3%below the sector's middle half▼ 6.9pp-74.1%below the sector's middle half▼ 53.8pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €873 in 2024 against €1,690 in 2023; the loss shrinks.
Key figures and ratios
EBITDA
-€691▲
2023 · -€1,470
Cash flow
-€863▲
2023 · -€1,644
Interest coverage
-4.02▲
2023 · -8.45
Debt ≤ 1 year
€32,585▲
2023 · €31,846
Ratios withheld: a balance sheet total of €278 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.6%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 6,622 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,448 | €3,487 | €220 | €220 | €181 | ▼ 17.6% |
| Other operating charges640/8 | - | €1,081 | €497 | €261 | €263 | ▲ 0.7% |
| Non-recurring operating charges66A | - | €155 | €0 | - | - | - |
| Gross operating margin9900 | €1,619 | -€1,070 | -€1,252 | -€1,209 | -€429 | ▲ 64.5% |
| Operating profit (loss)9901 | -€2,170 | -€5,793 | -€1,969 | -€1,690 | -€873 | ▲ 48.4% |
| Financial income75/76B | - | €4 | - | - | - | - |
| Recurring financial income75 | - | €4 | - | - | - | - |
| Financial charges65/66B | - | - | €839 | €174 | €172 | ▼ 1.2% |
| Recurring financial charges65 | €135 | - | €163 | €174 | €172 | ▼ 1.2% |
| Non-recurring financial charges66B | - | - | €676 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€2,305 | -€5,789 | -€2,808 | -€1,864 | -€1,045 | ▲ 44.0% |
| Income taxes67/77 | €340 | €142 | €95 | - | - | - |
| Profit (loss) for the period9904 | -€2,645 | -€5,931 | -€2,903 | -€1,864 | -€1,045 | ▲ 44.0% |
| Profit (loss) for the period to be appropriated9905 | -€2,645 | -€5,931 | -€2,903 | -€1,864 | -€1,045 | ▲ 44.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13,040 | €8,006 | €703 | €583 | €278 | ▼ 52.4% |
| Fixed assets21/28 | €10,125 | €7,298 | €401 | €181 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €10,125 | €7,298 | €401 | €181 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €7,298 | €401 | €181 | €0 | ▼ 100% |
| Current assets29/58 | €2,915 | €708 | €302 | €402 | €278 | ▼ 30.9% |
| Amounts receivable within one year40/41 | €14 | €461 | €85 | €200 | €226 | ▲ 12.9% |
| Other amounts receivable41 | - | €461 | €85 | €200 | €226 | ▲ 12.9% |
| Cash at bank and in hand54/58 | €2,868 | €214 | €217 | €202 | €52 | ▼ 74.3% |
| Deferred charges and accrued income490/1 | - | €33 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13,040 | €8,006 | €703 | €583 | €278 | ▼ 52.4% |
| Equity10/15 | -€20,564 | -€26,495 | -€29,398 | -€31,263 | -€32,307 | ▼ 3.3% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €9,858 | €9,858 | €9,858 | €9,858 | €9,858 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | - | - | - |
| Distributable reserves133 | - | €7,999 | €7,999 | €9,858 | €9,858 | = |
| Profit (loss) carried forward14 | -€49,014 | -€54,945 | -€57,848 | -€59,713 | -€60,757 | ▼ 1.7% |
| Amounts payable17/49 | €33,604 | €34,501 | €30,101 | €31,846 | €32,585 | ▲ 2.3% |
| Amounts payable within one year42/48 | €33,604 | €34,501 | €30,101 | €31,846 | €32,585 | ▲ 2.3% |
| Trade debts44 | €218 | - | - | €254 | €260 | ▲ 2.4% |
| Suppliers440/4 | - | - | - | €254 | €260 | ▲ 2.4% |
| Other amounts payable47/48 | - | €34,501 | €30,101 | €31,592 | €32,325 | ▲ 2.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,645 | -€5,931 | -€2,903 | -€1,864 | -€1,045 | ▲ 44.0% |
| + Depreciation and write-downs630 | €3,448 | €3,487 | €220 | €220 | €181 | ▼ 17.6% |
| Operating cash flow (approximation) | €803 | -€2,444 | -€2,683 | -€1,644 | -€863 | ▲ 47.5% |
| Investment in fixed assets (approximation) | - | -€660 | €6,677 | €0 | -€0 | - |
| Change in cash | - | -€2,654 | €3 | -€15 | -€150 | ▼ 901% |
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
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€5,931
Net result drops to -€5,931, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Mons · 1 establishment unit since 1993
Ground area
1,183 m²
Building footprint
146 m²
Volume, LiDAR
955 m³
Parcel 53038B0563/00K000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SHELL SHOP
since 19932.064.528.501
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53038B0563/00K000 | Wallonia | 1,182 m² | 1 · 146 m² | 8.0 m · 2 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,265 companies in sector 47300 we hold annual accounts for 951. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-11-1993
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47260Retail trade
90393Specialised image, lighting and sound technical services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0451210148
Also
9925:BE0451210148
Registered
31-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.