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NOUR AL CHAAM

Active
Private limited company (pre-2019)founded 2019active for 7 yearsAntwerpsesteenweg 62, 2500 Lier, BelgiumKBO/BCE: BE 0717.889.971

From the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of NOUR AL CHAAM is 2.9% (moderate). The 2025 annual accounts show equity of €40,791 and a net result of €8,831. Equity has been growing by about 12% per year since 2020. Its solvency ranks better than 36% of 22,726 sector peers (NACE 47, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 09-01-2019 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Establishment unit
2.285.662.567 2500 Lier, since 09-01-2019
Financial year end
31 December
Peppol
Reachable since 08-12-2025

Board and ownership

Board
  • Alkhassem AbdelkaderDirector · since 09-01-2019
  • KENTAR MALEKDirector · since 09-01-2019

Financial position

51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.9%
Annual accounts 2025
Gross margin
€112,371
▲ 14.5%
Turnover
≈ €940,000
estimated
Profit
€8,831
▼ 49.8%
Equity
€40,791
▲ 27.6%
Total assets
€236,570
▲ 22.8%
Staff
≈ 3.1 FTE
estimated
Filed on 13-10-2026, 74 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 74 days late; 3 of the last 3 accounts lateFounded in 2019Size: total assets €236,570Sector: Retail trade (NACE 47)Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 46% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 42=
equity 17.2% of total assets
Liquidity 14-8
short-term debt 82.8% · cash 7.2%
Profitability 73-7
return on assets 3.7%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 11.5% 12-2024: 11.5%● unchanged vs 11-2024 01-2025: 11.5%● unchanged vs 12-2024 02-2025: 11.5%● unchanged vs 01-2025 03-2025: 11.5%● unchanged vs 02-2025 04-2025: 11.5%● unchanged vs 03-2025 05-2025: 11.6%▲ +0.1 percentage points vs 04-2025highest value 06-2025: 11.6%● unchanged vs 05-2025highest value 07-2025: 11.2%▼ -0.4 percentage points vs 06-2025 08-2025: 4.9%▼ -6.3 percentage points vs 07-2025 09-2025: 5.3%▲ +0.4 percentage points vs 08-2025 10-2025: 7.5%▲ +2.2 percentage points vs 09-2025 11-2025: 7.0%▼ -0.5 percentage points vs 10-2025 12-2025: 8.2%▲ +1.2 percentage points vs 11-2025 01-2026: 10.9%▲ +2.7 percentage points vs 12-2025 02-2026: 10.9%● unchanged vs 01-2026 03-2026: 5.3%▼ -5.6 percentage points vs 02-2026 04-2026: 5.3%● unchanged vs 03-2026 05-2026: 5.3%● unchanged vs 04-2026 06-2026: 5.1%▼ -0.2 percentage points vs 05-2026 07-2026: 5.1%● unchanged vs 06-2026 08-2026: 5.7%▲ +0.6 percentage points vs 07-2026 09-2026: 5.8%▲ +0.1 percentage points vs 08-2026 10-2026: 2.9%▼ -2.9 percentage points vs 09-2026lowest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.04 (0.96 in 2024), below the usual 1.5. Short-term debt is 82.8% and cash 7.2% of total assets. 82.8% 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, micro). It does better than 33% of them on solvency, 13% on liquidity, 58% on profitability and 78% on growth.

The bankruptcy probability was computed on 31-10-2026 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises risk
raises risk · Last filed accounts filed 74 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €236,570
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · 2025 accounts filed 74 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-10-2026, 74 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 · 6 filings
Deviation from the deadline
2025
74 days late
2024
208 days late
2023
336 days late
2022
679 days late
2021
1044 days late
2020
152 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 416 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (4 of the last 5 accounts filed within 342 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 6 profitable years in a rowprofit 2025: €8,831 6 years View
  • Higher gross margin than 80% of companies in retail tradesector median €34,185 · 22,661 companies €112,371 View

Comparable companies

These companies have the same main activity as NOUR AL CHAAM: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €175,000 and €255,000, founded between 2018 and 2019.

CompanyTotal assetsGross margin
NOUR AL CHAAM Lier€236,570€112,371
ELK INVEST Antwerpen€200,854€83,034
LEMAN Antwerpen€175,018€101,192
S & G BUSINESS Gent€254,928€113,496
SA TRADE Namur€224,664€127,875
ALBOURAK Vresse-sur-Semois€222,798€100,583
Afghania Oostende€198,414€125,555
Full comparison

Documents

Annual accounts at the NBB

All 6 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about NOUR AL CHAAM

What is the company number of NOUR AL CHAAM?
The company number of NOUR AL CHAAM is 0717.889.971. The VAT number is the same number with BE in front: BE 0717.889.971.
Where is NOUR AL CHAAM based?
The registered office is at Antwerpsesteenweg 62, 2500 Lier.Company details
What does NOUR AL CHAAM do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of NOUR AL CHAAM?
The legal form of NOUR AL CHAAM is Private limited company (pre-2019) (BVBA).
When was NOUR AL CHAAM founded?
NOUR AL CHAAM was founded on 09-01-2019.
Is NOUR AL CHAAM still active?
Yes, NOUR AL CHAAM is an active enterprise in the KBO register.
How many employees does NOUR AL CHAAM have?
NOUR AL CHAAM had an average of 0.3 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
What is the turnover of NOUR AL CHAAM?
The turnover in financial year 2025 is ≈ €940,000. This figure is estimated from the gross margin of €112,371 and 70 comparable companies (NACE 47110). It probably lies between €640,000 and €1.2m.
Is NOUR AL CHAAM profitable?
In financial year 2025, NOUR AL CHAAM made a profit of €8,831.
Where can I find the annual accounts of NOUR AL CHAAM?
NOUR AL CHAAM filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of NOUR AL CHAAM due?
NOUR AL CHAAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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