RAFAT

Active

Private limited company (pre-2019)· 7 yrs active

Rue Saint-Gilles 10 ·4000 Liège, Belgium

KBO/BCE: BE 0713.832.502

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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age7 yrs

Staff (FTE)1.5

Real estate1 parcel · 122 m²

Summary

Conclusion

the dossier summarised in one paragraph

The KBO register records legal situation 013 for RAFAT (Register: dissolution or liquidation); this is today's state according to the register itself, which carries no start date. The 2020 annual accounts show equity of €5k and a net result of €-3k.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

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Dissolution or liquidation

The KBO register records that this company is being wound up. A twelve-month bankruptcy probability no longer says anything in that case, so we show no figure.

Signals

Insufficient current data: the most recent filed accounts (financial year 2020) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Filing behaviour not assessed

The register records a dissolution or liquidation. From that point the liquidator files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.

Filed after the deadline

The financial year that closed on 31-12-2020 was due by 31-07-2021 and was filed on 22-09-2021, 53 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2020, that is 31-07-2021.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	nothing on record	not filed	-
31-12-2022	31-07-2023	nothing on record	not filed	-
31-12-2021	31-07-2022	nothing on record	not filed	-
31-12-2020	31-07-2021	22-09-2021	53 d late	2021-68000468
31-12-2019	31-07-2020	11-06-2021	315 d late	2021-20600402

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

1 signal

The KBO register records legal situation 013 for this company. This is today's state according to the register itself; the register carries no start date.

Administrative Flags

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.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-3k

Working capital€2k-84.8%

CSV export

Annual accounts & ratios

Source: NBB · 2020

Annual accounts filed on 22-09-2021 with the NBB · fiscal year 2020 · micro

Operating resultNet result

EBITDA

€-11k

- 19-20

Net profit

€-3k

- 19-20

Cash flow

€-2k

- 19-20

Total assets

€33k

-19.1% 19-20

Equity

€5k

-72.9% 19-20

Working capital

€2k

-84.8% 19-20

Employees (FTE)

+66.7% 19-20

Income taxes

€6k

- 19-20

Debt

€27k

+34.1% 19-20

Debt ≤ 1y

€27k

+34.1% 19-20

Current ratio

1.09

-39.2% 19-20

Quick ratio

0.35

-80.3% 19-20

Solvency

16.6%

-66.5% 19-20

ROE

-48.8%

- 19-20

ROA

-8.1%

- 19-20

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2020
Deposit	micro
Revenue	-
EBITDA	€-11k
Net profit	€-3k
Cash flow	€-2k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€33k
Equity	€5k
Debt	€27k
of which ≤ 1y	€27k
of which > 1y	-
Working capital	€2k
Employees (FTE)	1.5

Ratios (computed)

	2020
Current ratio	1.09
Quick ratio	0.35
Working capital ratio	7.4%
Solvency	16.6%
Debt / equity	-
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-8.1%
ROE	-48.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2020

Assets

Fixed assets €3k · 9.2% Current assets €30k · 90.8%

Equity & liabilities

Equity €5k · 16.6% Debt €27k · 83.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2020
Balance sheet, Assets
TOTAL ASSETS	20/58	€33k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€3k
Current assets	29/58	€30k
Stocks & contracts in progress	3	€20k
Amounts receivable within one year	40/41	€9k
Cash & bank	54/58	€794
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€33k
Equity	10/15	€5k
Reserves	13	€2k
Accumulated profits (losses)	14	€-3k
Amounts payable	17/49	€27k
Amounts payable within one year	42/48	€27k
Trade debts payable within one year	44	€9k
Income statement
Gross operating margin	9900	€23k
Operating result	9901	€-12k
Financial income	75	€11
Financial charges	65	€2k
Result before taxes	9903	€-15k
Net result for the period	9904	€-15k
Result to be appropriated	9905	€-15k

You are seeing the latest fiscal year only. 1 prior year (figures + ratios) is in a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2020 · computed

0 / 100 Critical

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2020 and the legal situation the KBO register itself records. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

Rue Général-de-Gaulle 123, 4020 Liège

Niet-gespecialiseerde kleinhandel in algemene voedingsmiddelen (verkoopsoppervlakte minder dan 100m2)

since 20182.282.875.402

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area122 m²

Buildings1

Building footprint81 m²

Volume (LiDAR)1,039 m³

Tallest building14.8 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62813E0483/00B000	Wallonia	122 m²	1 · 81 m²	14.8 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals found in the Belgian State Gazette. The KBO register does record a special legal situation for this company, so do not read this as a clean bill of health.

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

22 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 0

Solvency 36

Growth 32

Stability 40

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

RAFAT

Registered office

Rue Saint-Gilles 10

4000 Liège, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.