RETAIL OPERATING
ActiveSummary
The computed 12-month bankruptcy probability of RETAIL OPERATING is 2.1% (moderate). The 2024 annual accounts show equity of €44,481 and a net result of €13,967. Equity is shrinking by ~40.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 37% of 26040 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability26▼-30
Solvency43▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.27 against 0.47 in 2023; short-term debt: 76.6% and cash: 2.3% of total assets), and 82.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
17.8%
Return on assets
5.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
19 d late
2023
27 d late
2022
30 d late
2021
52 d late
2020
403 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 106 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 (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€44,481▲ 45.8%
2023 · €30,514
Total assets
€250,512▲ 16.2%
2023 · €215,582
Net result
€13,967
2023 · -€21,231
Working capital
-€139,424▼ 41.1%
2023 · -€98,846
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€129,810-€72,576▼ 44.1%€17,622▼ 75.7%€44,098▲ 150%-€5,299
Net result€88,133-€45,239▼ 48.7%€11,110▼ 75.4%-€21,231€13,967
Equity€93,133-€138,371▲ 48.6%€51,745▼ 62.6%€30,514▼ 41.0%€44,481▲ 45.8%
Total assets€202,326-€271,070▲ 34.0%€272,777▲ 0.6%€215,582▼ 21.0%€250,512▲ 16.2%
Debt€109,194-€132,699▲ 21.5%€221,032▲ 66.6%€185,068▼ 16.3%€206,032▲ 11.3%
Working capital€47,795-€913▼ 98.1%-€83,610-€98,846▼ 18.2%-€139,424▼ 41.1%
Staff (FTE)2-4.5▲ 125%5.5▲ 22.2%5.4▼ 1.8%4.5▼ 16.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €5,299 after €44,098 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €250,512
Fixed assets
€197,920 ▲ 53.0%
Current assets
€52,592 ▼ 39.0%
Equity and liabilities €250,512
Equity
€44,481 ▲ 45.8%
Debt
€206,032 ▲ 11.3%
Debt's share of the balance-sheet total falls from 85.8% to 82.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
-€2,134▼
2023 · €50,093
Cash flow
€17,132▲
2023 · -€15,236
Current ratio
0.27▼
2023 · 0.47
Quick ratio
0.08▼
2023 · 0.16
Debt to equity
4.63▼
2023 · 6.06
ROE
31.4%▲
2023 · -69.6%
ROA
5.6%▲
2023 · -9.8%
Interest coverage
-5.66▼
2023 · 59.12
Debt ≤ 1 year
€192,016▲
2023 · €185,068
Debt > 1 year
€14,016
Income taxes
-€19,305▼
2023 · €64,482
Staff costs
€93,967▼
2023 · €129,288
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €30,760 | €106,179 | €110,040 | €129,288 | €93,967 | ▼ 27.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €425 | €5,865 | €5,997 | €5,995 | €3,165 | ▼ 47.2% |
| Other operating charges640/8 | - | €6,804 | €4,535 | €5,297 | €1,663 | ▼ 68.6% |
| Gross operating margin9900 | €160,995 | €191,424 | €138,193 | €184,679 | €93,496 | ▼ 49.4% |
| Operating profit (loss)9901 | €129,810 | €72,576 | €17,622 | €44,098 | -€5,299 | ▼ 112% |
| Financial income75/76B | - | - | €1,634 | - | €338 | - |
| Recurring financial income75 | - | - | €1,634 | - | €338 | - |
| Financial charges65/66B | €401 | €488 | €1,519 | €847 | €377 | ▼ 55.5% |
| Recurring financial charges65 | €401 | €488 | €1,519 | €847 | €377 | ▼ 55.5% |
| Profit (loss) for the period before taxes9903 | €129,409 | €72,089 | €17,737 | €43,251 | -€5,338 | ▼ 112% |
| Income taxes67/77 | €41,276 | €26,850 | €6,627 | €64,482 | -€19,305 | ▼ 130% |
| Profit (loss) for the period9904 | €88,133 | €45,239 | €11,110 | -€21,231 | €13,967 | ▲ 166% |
| Profit (loss) for the period to be appropriated9905 | €88,133 | €45,239 | €11,110 | -€21,231 | €13,967 | ▲ 166% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €202,326 | €271,070 | €272,777 | €215,582 | €250,512 | ▲ 16.2% |
| Fixed assets21/28 | €46,174 | €140,689 | €135,356 | €129,360 | €197,920 | ▲ 53.0% |
| Tangible fixed assets22/27 | €17,574 | €12,089 | €6,756 | €760 | €69,320 | ▲ 9,016% |
| Plant, machinery and equipment23 | €1,749 | €1,249 | €750 | €250 | - | - |
| Furniture and vehicles24 | €15,825 | €10,840 | €6,006 | €511 | €69,320 | ▲ 13,479% |
| Financial fixed assets28 | €28,600 | €128,600 | €128,600 | €128,600 | €128,600 | = |
| Current assets29/58 | €156,152 | €130,381 | €137,422 | €86,222 | €52,592 | ▼ 39.0% |
| Stocks and contracts in progress3 | €66,999 | €48,918 | €66,461 | €56,161 | €36,796 | ▼ 34.5% |
| Stocks30/36 | €66,999 | €48,918 | €66,461 | €56,161 | €36,796 | ▼ 34.5% |
| Amounts receivable within one year40/41 | €7,593 | €28,626 | €62,723 | €14,788 | €9,983 | ▼ 32.5% |
| Trade receivables40 | €5,092 | €28,626 | €1,394 | €947 | €2,057 | ▲ 117% |
| Other amounts receivable41 | €2,501 | - | €61,329 | €13,840 | €7,927 | ▼ 42.7% |
| Cash at bank and in hand54/58 | €81,560 | €52,837 | €8,212 | €11,397 | €5,675 | ▼ 50.2% |
| Deferred charges and accrued income490/1 | - | - | €25 | €3,876 | €138 | ▼ 96.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €202,326 | €271,070 | €272,777 | €215,582 | €250,512 | ▲ 16.2% |
| Equity10/15 | €93,133 | €138,371 | €51,745 | €30,514 | €44,481 | ▲ 45.8% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €88,133 | €133,371 | €46,745 | €46,745 | €46,745 | = |
| Distributable reserves133 | €88,133 | €133,371 | €46,745 | €46,745 | €46,745 | = |
| Profit (loss) carried forward14 | - | - | - | -€21,231 | -€7,264 | ▲ 65.8% |
| Amounts payable17/49 | €109,194 | €132,699 | €221,032 | €185,068 | €206,032 | ▲ 11.3% |
| Amounts payable after more than one year17 | - | - | - | - | €14,016 | - |
| Financial debts170/4 | - | - | - | - | €14,016 | - |
| Amounts payable within one year42/48 | €108,357 | €129,468 | €221,032 | €185,068 | €192,016 | ▲ 3.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €14,777 | - |
| Trade debts44 | €46,342 | €31,000 | €114,561 | €130,636 | €112,600 | ▼ 13.8% |
| Suppliers440/4 | €46,342 | €31,000 | €114,561 | €130,636 | €112,600 | ▼ 13.8% |
| Taxes, remuneration and social security45 | €52,272 | €89,669 | €59,359 | €34,215 | €39,435 | ▲ 15.3% |
| Taxes450/3 | €47,296 | €76,497 | €40,911 | €16,867 | €23,379 | ▲ 38.6% |
| Remuneration and social security454/9 | €4,976 | €13,172 | €18,448 | €17,347 | €16,056 | ▼ 7.4% |
| Other amounts payable47/48 | €9,742 | €8,799 | €47,112 | €20,218 | €25,204 | ▲ 24.7% |
| Accrued charges and deferred income492/3 | €837 | €3,230 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €88,133 | €45,239 | €11,110 | -€21,231 | €13,967 | ▲ 166% |
| + Depreciation and write-downs630 | €425 | €5,865 | €5,997 | €5,995 | €3,165 | ▼ 47.2% |
| Operating cash flow (approximation) | €88,557 | €51,103 | €17,107 | -€15,236 | €17,132 | ▲ 212% |
| Investment in fixed assets (approximation) | - | -€100,379 | -€663 | €0 | -€71,725 | - |
| Change in cash | - | -€28,723 | -€44,624 | €3,185 | -€5,722 | ▼ 280% |
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
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €13,967
Net result €13,967 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet -€21,231
Net result drops to -€21,231, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 403 days late
2021
31-12
Financial
Equity above €100,000Eq €138,371 ▲48.6%
2 profitable years in a row build equity to €138,371.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Seraing · 1 establishment unit since 2020
Ground area
100 m²
Building footprint
55 m²
Volume, LiDAR
445 m³
Parcel 62058A0564/00N015, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RETAIL OPERATING
since 20202.305.946.752
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62058A0564/00N015 | Wallonia | 100 m² | 1 · 55 m² | 9.4 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSeraing2.305.946.752
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Of 1,265 companies in sector 47300 we hold annual accounts for 950. 693 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
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-mail
retail.operating@gmail.com
Phone
+32471257330
E-invoicing
Reachable via Peppol
Peppol ID
0208:0740985275
Also
9925:BE0740985275
Registered
15-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.