Age19 yrs
Staff (FTE)5.3
Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for RAJ SACH DEVA according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €162k and a net result of €7k.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events06-10-2025
Bankruptcy
Opening
Trust signals
1 signalOpen bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€7k-35.0%
Working capital€65k-48.3%
Directors1
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 09-10-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 29.9% | 20.1% | |
| Net result | €7k | €3k | |
| Equity | €162k | €15k | |
| Gross operating margin | €236k | €23k | |
| Staff costs | €187k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P60
Stable position over 2020-2023
· n=1351-5705
P58
Weakening position over 2020-2023
· n=1347-5685
P92
Stable position over 2020-2023
· n=1353-5712
P95
Stable position over 2020-2023
· n=1342-5659
Describes the position versus peers, not a forecast.
€35k
+11.5%
+41% vs sector
€7k
-35.0%
-51% vs sector
€23k
+32.0%
+4% vs sector
€541k
+38.2%
far above sector median
€162k
+4.3%
+183% vs sector
€65k
-48.3%
+173% vs sector
5
+26.2%
far above sector median
€187k
+72.0%
18-23
€5k
-0.7%
+56% vs sector
€379k
+60.5%
far above sector median
€379k
+60.5%
far above sector median
1.17
-23.6%
-40% vs sector
0.42
-46.4%
-78% vs sector
29.9%
-24.5%
-40% vs sector
2.34
+53.9%
+97% vs sector
4.1%
-37.7%
-79% vs sector
1.2%
-53.0%
-86% vs sector
4.58
+38.7%
-64% vs sector
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Revenue | - |
| EBITDA | €35k |
| Net profit | €7k |
| Cash flow | €23k |
| Staff costs | €187k |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €541k |
| Equity | €162k |
| Debt | €379k |
| of which ≤ 1y | €379k |
| of which > 1y | - |
| Working capital | €65k |
| Employees (FTE) | 5.3 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.17 |
| Quick ratio | 0.42 |
| Working capital ratio | 12.0% |
| Solvency | 29.9% |
| Debt / equity | 2.34 |
| Long-term debt ratio | - |
| Interest coverage | 4.58 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.2% |
| ROE | 4.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €541k |
| Fixed assets | 21/28 | €97k |
| Intangible fixed assets | 21 | €5k |
| Tangible fixed assets | 22/27 | €90k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €444k |
| Stocks & contracts in progress | 3 | €285k |
| Amounts receivable within one year | 40/41 | €141k |
| Cash & bank | 54/58 | €15k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €541k |
| Equity | 10/15 | €162k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €137k |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €379k |
| Amounts payable within one year | 42/48 | €379k |
| Trade debts payable within one year | 44 | €213k |
| Income statement | ||
| Gross operating margin | 9900 | €236k |
| Operating result | 9901 | €19k |
| Financial income | 75 | €8 |
| Financial charges | 65 | €8k |
| Result before taxes | 9903 | €11k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed1
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
indexingNo directors on record yet
Directors and mandates usually appear here within 24 hours of publication in the Belgian State Gazette.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | PASCAL LAMBERT RUE DE LA LECHE 36,
4020 LIEGE 2 |
29-09-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 20-06-2007 |
| Status | Active |
| Postal code | 4000 |
| First BS signal | 06-10-2025 |
| Latest BS signal | 06-10-2025 |
Structure & network
Company structure: linked entities
1 linked entityMandates
Locations & real estate
Establishment units
3 locationsRAJ SACH DEVA
since 20072.164.637.647
SUPERETTE DE CHÊNEE
since 20182.283.452.155
RAJ EXPRESS
since 20222.326.914.687
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette06-10-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 1 year ago
2025
29-04-2025 2 directors appointed
- SINGH PARAMJIT, Bestuurder
- RAJ SACH DEVA, Bestuurder
2023
14-12-2023 2 resigning
- Gurmeet Singh, Bestuurder
- Rajinder Kaur, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes25
/ 100
Fragile profile, watch stability in particular.
Health
1
Profitability
21
Solvency
51
Growth
52
Stability
0
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameFR | RAJ SACH DEVA |
Registered office
Rue Eugène-Houdret 79
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.