Equity
-€262,234
Debts exceed assets in financial year 2025.
RAINERI GEMBLOUX
Lifetime
15 annual accounts with figures on one time axisTurnoverpeak €982,682 (2024)
€958,345▼ 2.5%
Resultlowest -€142,248 (2011)
-€7,007▼ €46,242
Equitypeak -€42,248 (2011)
-€262,234▼ €7,007
Debts
€888,665▼ 2.0%
Staffpeak 4 FTE (2011)
-not published
Board2 names since 2022
1 directorRAINERI Gianfranco
Documentsfilings and deeds
15-10-202676 days late
2025financial year
Gross margin from €267,676 to €198,285Loss of €7,007Cash from €120,703 to €68,464
Key points
from the 2025 annual accountsDebts
€888,665 142% of the balance sheet
Suppliers 97%Taxes and wages 1%Other 2%
Of this, €887,635 falls due within a year.
Payment terms
411 days to suppliers
RAINERI GEMBLOUX pays its suppliers 7 days later than in 2024. Customers pay 19 days later.
Filings
15 annual accounts 76 days
Latest accounts filed late: after the legal deadline.
At the same address
7 companies
Position in the sector
-€262,234
Less equity than 95% of companies in retail trade. Sector median €448,423 · 5,058 companies.
Checked score
54
Fair
Financially stronger than 24% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,273 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025lowest value
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.7%● unchanged vs 06-2025
08-2025: 0.8%▲ +0.1 percentage points vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.7%▼ -0.1 percentage points vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 1.0%▲ +0.3 percentage points vs 07-2026
09-2026: 1.2%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 1.1%▼ -0.1 percentage points vs 09-2026
11-2026: 1.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€262,234
Last filed accounts filed 76 days late; 1 of the last 3 accounts late
lowers risk
Size: turnover €958,345, total assets €626,431
Founded in 2010
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 6% of them on solvency, 13% on liquidity, 39% on profitability and 37% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 1,216 companies had the same profile as RAINERI GEMBLOUX has now. Each dot stands for 4 companies, two years later.
95.7%
were still trading
2.6%
stopped another way
1.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RAINERI GEMBLOUX itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,216 companies, not a prediction for RAINERI GEMBLOUX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.23 (0.22 in 2024), below 1. Short-term debt is 141.7% and cash 10.9% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€262,234
raises risk · 2025 accounts filed 76 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-10-2026, 76 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 · 10 filingsDeviation from the deadline
2025
76 days late
2024
35 days early
2023
33 days early
2022
70 days late
2021
130 days early
2020
61 days early
2019
52 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 24 days before 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 29 June (4 of the last 5 accounts filed within 102 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0828987536
Resignation: ISEPPI Michele Francesco (director)
General meeting of 30-09-2022 · Gazette deed
First establishment
Rue de la Sucrerie 4A, Gembloux
Incorporation
published on 14-09-2010 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| RAINERI GEMBLOUX Gembloux | €1.0m | -0.7% | -41.9% | - |
| FRANCINE CHABOTAU Houyet | - | - | 69.8% | - |
| Culinair Huis Bon Appétit Haacht | - | - | 18.5% | - |
| GRIBOUILLON Erezée | - | - | 44.4% | - |
| Said Antwerp | €2.5m | -0.6% | 46.1% | - |
| LOUIS BESSELING DISTRIBUTION Vaux-sur-Sûre | - | - | 35.8% | 4.7 |
| SER FELIZ Kortrijk | - | - | 2.9% | 2.3 |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as RAINERI GEMBLOUX: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €536,000 and €640,000, founded between 2008 and 2011.
Official details
Source: KBO- Status
- Active since 03-09-2010Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Establishment unit
- 2.191.595.4325030 Gembloux, since 01-12-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 21-11-2025
Annual accounts 2025
- Total assets
- €626,431▼ 3.9%
- Staff
- ≈ 4.9 FTEestimated
- Filing
- Filed on 15-10-2026
Insights on RAINERI GEMBLOUX
RAINERI GEMBLOUX has existed since 2010. Turnover grew from €320,848 in 2011 to €958,345 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RAINERI GEMBLOUX
- What is the company number of RAINERI GEMBLOUX?
- The company number of RAINERI GEMBLOUX is 0828.987.536. The VAT number is the same number with BE in front: BE 0828.987.536.
- Where is RAINERI GEMBLOUX based?
- The registered office is at Rue de la Sucrerie 4, 5030 Gembloux.Company details
- What does RAINERI GEMBLOUX 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 RAINERI GEMBLOUX?
- RAINERI GEMBLOUX is a private limited company (pre-2019) (BVBA).
- When was RAINERI GEMBLOUX founded?
- RAINERI GEMBLOUX was founded on 03-09-2010.
- Is RAINERI GEMBLOUX still active?
- Yes, RAINERI GEMBLOUX is an active enterprise in the KBO register.
- How many employees does RAINERI GEMBLOUX have?
- RAINERI GEMBLOUX had an average of 1.9 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
- What is the turnover of RAINERI GEMBLOUX?
- The turnover of RAINERI GEMBLOUX was €958,345 in financial year 2025, according to the filed annual accounts.
- Is RAINERI GEMBLOUX profitable?
- In financial year 2025, RAINERI GEMBLOUX made a loss of €7,007.
- Where can I find the annual accounts of RAINERI GEMBLOUX?
- RAINERI GEMBLOUX filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RAINERI GEMBLOUX due?
- RAINERI GEMBLOUX must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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