Skip to content

RETSILVER MARIAKERKE

Active
Private limited companyfounded 1960active for 66 yearsBrugsesteenweg 494, 9030 Gent, BelgiumKBO/BCE: BE 0405.235.019
Summary

The computed 12-month bankruptcy probability of RETSILVER MARIAKERKE is 1.9% (moderate). The 2025 annual accounts show equity of €167,008 and a net result of €78,812. Equity is shrinking by about 8.4% per year across the filed financial years. Its solvency ranks better than 19% of 12,686 sector peers (NACE 47, financial year 2025). The company has been active since 1960 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
RETSILVER MARIAKERKEActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Other non-specialised retail sale
NACE 47120Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
1 site
Size
€2.0mtotal assets 2025
Staff
14.4 FTE
Equity
€167,008
Profit
€78,812
Turnover not published (abbreviated format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Structure
Parent
Retsilver Linings · 100%
2025 accounts 10 days early3 of 4 deeds summarised
Why 53raises riskEquity €167,008 (8.2% of total assets)Liquidity: current ratio 0.78, cash €68,025Sector: Retail trade (NACE 47)Size: 14.4 FTE, total assets €2.0mShow the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 26% of its sector peers (NACE 47, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Weak
Solvency 33-23
equity 8.2% of total assets
Liquidity 18-12
short-term debt 68.2% · cash 3.3%
Profitability 62+54
return on assets 3.9%
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,693 companies, NACE 47, small)
Last 24 months 11-2024: 1.1% 12-2024: 1.1%● unchanged vs 11-2024 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025lowest value 07-2025: 1.2%▲ +0.1 percentage points vs 06-2025 08-2025: 1.7%▲ +0.5 percentage points vs 07-2025 09-2025: 1.8%▲ +0.1 percentage points vs 08-2025 10-2025: 2.1%▲ +0.3 percentage points vs 09-2025 11-2025: 2.1%● unchanged vs 10-2025 12-2025: 2.5%▲ +0.4 percentage points vs 11-2025 01-2026: 3.8%▲ +1.3 percentage points vs 12-2025 02-2026: 3.8%● unchanged vs 01-2026 03-2026: 3.8%● unchanged vs 02-2026highest value 04-2026: 3.5%▼ -0.3 percentage points vs 03-2026 05-2026: 3.5%● unchanged vs 04-2026 06-2026: 1.9%▼ -1.6 percentage points vs 05-2026 07-2026: 1.9%● unchanged vs 06-2026 08-2026: 1.9%● unchanged vs 07-2026 09-2026: 1.9%● unchanged vs 08-2026 10-2026: 1.9%● unchanged vs 09-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.78, compared with 1.16 in 2023, below 1; short-term debt: 68.2% and cash: 3.3% of total assets), and 91.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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, small): better than 20% on solvency, 16% on liquidity and 44% on profitability.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
raises riskneutral
raises risk · Equity €167,008 (8.2% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.78, cash €68,025
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Size: 14.4 FTE, total assets €2.0m
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12686 sector peers (2025).
NBB · sector comparison
Position among 12686 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 21-05-2026, 10 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
10 days early
2023
30 days early
2022
31 days late
2021
33 days early
2020
9 days early
2019
16 days early
2018
30 days early
← 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 14 days before the deadline; the sector median (NACE 47) for financial year 2023 is on the deadline day, and 48% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Back to profitnet €78,812
  3. Resignations: WILLAERT José Alberic (statutory director)…Name change · Amendment of…

Key points

  • Caution: Among the weakest 20% on solvencysector median 36.7% · 12,686 companies 8.2% View
  • Controlled by Retsilver Linings 100% View
  • Active since 1960founded 16-03-1960 66 years View

By topic

Financials

Financial year
2025
Total assets
€2.0m
Profit
€78,812
Solvency
8.2%
Total assets▲ 36.6%
Net result
20182025
Go to Financials

Timeline

Events
56
Since
1978
  1. 13-08-2024Appointment: BV Retsilver Linings (bijkomend,niet statutair bestuurder)
  2. 01-07-2024Annual accounts filed
  3. 31-12-2023Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other non-specialised retail saleNACE 47120
Founded
16-03-1960
Year ends
31-10
Peppol
Reachable for e-invoices
Go to Company details

Key facts about RETSILVER MARIAKERKE

What is the company number of RETSILVER MARIAKERKE?
0405.235.019. In Belgium the VAT number is the company number with BE in front: BE 0405.235.019.
Where is RETSILVER MARIAKERKE based?
The registered office is at Brugsesteenweg 494, 9030 Gent.Company details
What does RETSILVER MARIAKERKE do?
According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
What is the legal form of RETSILVER MARIAKERKE?
Private limited company (BV).
When was RETSILVER MARIAKERKE founded?
On 16-03-1960.
Is RETSILVER MARIAKERKE still active?
Yes, RETSILVER MARIAKERKE is an active enterprise in the KBO register.
How many employees does RETSILVER MARIAKERKE have?
On average 14.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of RETSILVER MARIAKERKE?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is RETSILVER MARIAKERKE profitable?
In financial year 2025, RETSILVER MARIAKERKE made a profit of €78,812.
Where can I find the annual accounts of RETSILVER MARIAKERKE?
RETSILVER MARIAKERKE filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.

Companies related to RETSILVER MARIAKERKE

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What support did similar companies receive that this one did not?Subsidies

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure