PROFILE
ActiveSummary
PROFILE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128,150 and a net result of €86,327. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency96▲+33
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 3.23 against 1.59 in 2024; short-term debt: 28.8% and cash: 12.5% of total assets), and 28.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.2%
Return on assets
48%
Age of the figures
18 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 14-11-2025, 14 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 · 10 filingsDeviation from the deadline
2025
14 d late
2024
2 d early
2023
on the day
2022
4 d early
2021
2 d early
2020
24 d late
2019
on the day
← 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 4 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€128,150▲ 206%
2024 · €41,823
Total assets
€179,901▲ 63.6%
2024 · €109,980
Net result
€86,327▲ 41.4%
2024 · €61,041
Working capital
€115,454▲ 185%
2024 · €40,524
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
Line20212022202320242025
Operating result-€5,143€7,970€37,212▲ 367%€76,093▲ 104%€131,501▲ 72.8%
Net result-€7,740below the sector's middle half▼ 1,286%€5,358within the sector's middle half€35,071above the sector's middle half▲ 555%€61,041above the sector's middle half▲ 74.1%€86,327above the sector's middle half▲ 41.4%
Equity-€59,647below the sector's middle half▼ 14.9%-€54,289below the sector's middle half▲ 9.0%-€19,218below the sector's middle half▲ 64.6%€41,823within the sector's middle half€128,150within the sector's middle half▲ 206%
Total assets€13,983below the sector's middle half▲ 93.3%€21,107below the sector's middle half▲ 50.9%€28,803below the sector's middle half▲ 36.5%€109,980within the sector's middle half▲ 282%€179,901within the sector's middle half▲ 63.6%
Debt€73,630▲ 24.5%€75,396▲ 2.4%€48,021▼ 36.3%€68,157▲ 41.9%€51,751▼ 24.1%
Working capital-€59,966▼ 14.8%-€54,609▲ 8.9%-€20,125▲ 63.1%€40,524€115,454▲ 185%
Solvency-426.6%below the sector's middle half▲ 290.9pp-257.2%below the sector's middle half▲ 169.4pp-66.7%below the sector's middle half▲ 190.5pp38.0%within the sector's middle half▲ 104.8pp71.2%above the sector's middle half▲ 33.2pp
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 has risen four years in a row; 2025 is 73% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179,901
Fixed assets
€12,696 ▲ 878%
Current assets
€167,206 ▲ 53.8%
Equity and liabilities €179,901
Equity
€128,150 ▲ 206%
Debt
€51,751 ▼ 24.1%
Debt's share of the balance-sheet total falls from 62.0% to 28.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€133,900▲
2024 · €76,435
Cash flow
€88,726▲
2024 · €61,383
Current ratio
3.23▲
2024 · 1.59
Debt to equity
0.40▼
2024 · 1.63
ROE
67.4%▼
2024 · 146.0%
ROA
48.0%▼
2024 · 55.5%
Interest coverage
28.09▼
2024 · 89.20
Debt ≤ 1 year
€51,751▼
2024 · €68,157
Income taxes
€43,236▲
2024 · €14,388
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 31,324 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €83 | €342 | €2,399 | ▲ 601% |
| Other operating charges640/8 | - | €348 | €348 | €384 | €387 | ▲ 0.8% |
| Gross operating margin9900 | -€4,795 | €8,318 | €37,643 | €76,819 | €134,287 | ▲ 74.8% |
| Operating profit (loss)9901 | -€5,143 | €7,970 | €37,212 | €76,093 | €131,501 | ▲ 72.8% |
| Financial income75/76B | - | - | - | €193 | €2,828 | ▲ 1,367% |
| Recurring financial income75 | €0 | - | - | €193 | €2,828 | ▲ 1,367% |
| Financial charges65/66B | - | €2,612 | €2,141 | €857 | €4,767 | ▲ 456% |
| Recurring financial charges65 | €2,597 | €2,612 | €2,141 | €857 | €4,767 | ▲ 456% |
| Profit (loss) for the period before taxes9903 | -€7,740 | €5,358 | €35,071 | €75,429 | €129,562 | ▲ 71.8% |
| Income taxes67/77 | - | - | - | €14,388 | €43,236 | ▲ 201% |
| Profit (loss) for the period9904 | -€7,740 | €5,358 | €35,071 | €61,041 | €86,327 | ▲ 41.4% |
| Profit (loss) for the period to be appropriated9905 | -€7,740 | €5,358 | €35,071 | €61,041 | €86,327 | ▲ 41.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13,983 | €21,107 | €28,803 | €109,980 | €179,901 | ▲ 63.6% |
| Fixed assets21/28 | €320 | €320 | €907 | €1,299 | €12,696 | ▲ 878% |
| Tangible fixed assets22/27 | - | - | €907 | €1,299 | €12,696 | ▲ 878% |
| Plant, machinery and equipment23 | - | - | - | - | €6,795 | - |
| Furniture and vehicles24 | - | - | €907 | €1,299 | €5,574 | ▲ 329% |
| Other tangible fixed assets26 | - | - | - | - | €326 | - |
| Financial fixed assets28 | €320 | €320 | - | - | - | - |
| Current assets29/58 | €13,664 | €20,788 | €27,896 | €108,681 | €167,206 | ▲ 53.8% |
| Stocks and contracts in progress3 | €7,053 | - | - | €14,000 | - | - |
| Stocks30/36 | - | - | - | €14,000 | - | - |
| Amounts receivable within one year40/41 | €2,457 | €14,072 | €17,127 | €82,082 | €143,388 | ▲ 74.7% |
| Trade receivables40 | - | €11,300 | €13,636 | €62,748 | €61,730 | ▼ 1.6% |
| Other amounts receivable41 | - | €2,772 | €3,491 | €19,334 | €81,657 | ▲ 322% |
| Cash at bank and in hand54/58 | €4,153 | €6,371 | €10,769 | €12,599 | €22,576 | ▲ 79.2% |
| Deferred charges and accrued income490/1 | - | €345 | - | - | €1,242 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13,983 | €21,107 | €28,803 | €109,980 | €179,901 | ▲ 63.6% |
| Equity10/15 | -€59,647 | -€54,289 | -€19,218 | €41,823 | €128,150 | ▲ 206% |
| Contributions10/11 | - | €10,783 | €10,783 | €10,783 | €10,783 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €29,860 | €114,860 | ▲ 285% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €29,860 | €114,860 | ▲ 285% |
| Profit (loss) carried forward14 | -€72,290 | -€66,932 | -€31,861 | €1,180 | €2,506 | ▲ 112% |
| Amounts payable17/49 | €73,630 | €75,396 | €48,021 | €68,157 | €51,751 | ▼ 24.1% |
| Amounts payable within one year42/48 | €73,630 | €75,396 | €48,021 | €68,157 | €51,751 | ▼ 24.1% |
| Financial debts43 | - | €17,997 | - | €9,760 | - | - |
| Credit institutions430/8 | - | €17,997 | - | €9,760 | - | - |
| Trade debts44 | €7,312 | €186 | €195 | €20,261 | €15,583 | ▼ 23.1% |
| Suppliers440/4 | - | €186 | €195 | €20,261 | €15,583 | ▼ 23.1% |
| Taxes, remuneration and social security45 | - | €32 | - | €14,388 | €12,509 | ▼ 13.1% |
| Taxes450/3 | - | €32 | - | €14,388 | €12,509 | ▼ 13.1% |
| Other amounts payable47/48 | - | €57,182 | €47,826 | €23,748 | €23,660 | ▼ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,740 | €5,358 | €35,071 | €61,041 | €86,327 | ▲ 41.4% |
| + Depreciation and write-downs630 | - | - | €83 | €342 | €2,399 | ▲ 601% |
| Operating cash flow (approximation) | -€7,740 | €5,358 | €35,154 | €61,383 | €88,726 | ▲ 44.5% |
| Investment in fixed assets (approximation) | - | €0 | -€670 | -€734 | -€13,796 | ▼ 1,780% |
| Change in cash | - | €2,218 | €4,398 | €1,830 | €9,977 | ▲ 445% |
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
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
31-03
Financial
Highest result since 2019net €86,327 ▲41.4%
Operating result €131,501, net result €86,327, both a record.
31-03
Financial
Liquidity doublescurrent ratio 3.23
Current ratio from 1.59 to 3.23; short-term debt falls from €68,157 to €51,751.
31-03
Financial
Equity above €100,000Eq €128,150 ▲206%
4 profitable years in a row build equity to €128,150.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 1.59
Current ratio from 0.58 to 1.59.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €5,358
Net result €5,358 after 3 loss-making years.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet -€7,740
Net result drops to -€7,740, the lowest in the series; recovery starts the following year.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
Show earlier events
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
10-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
3 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, Vorst · 1 establishment unit since 1996
Ground area
128 m²
Building footprint
92 m²
Volume, LiDAR
1,568 m³
Parcel 21007A0029/00F005, Brussels · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PROFILE
since 19962.079.483.921
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0029/00F005 | Brussels | 128 m² | 1 · 92 m² | 21.4 m · 6 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.
Similar companies · same sector, comparable size
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D&G MOTORS
BE 0436.951.742
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DE VUYST FREDDY & ZOON
BE 0836.177.612
Zottegem · Eq €127,820
Mazzeo Services
BE 0442.786.390
Pajottegem · Eq €128,524
Of 10,664 companies in sector 47811 we hold annual accounts for 5,221. 3,702 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-06-1996
Fiscal year end31-03
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49410Freight transport by road
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458254625
Registered
14-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.