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Generated 15-08-2026
Active BE 0782.272.534Private limited company

RF-ZNAD

Oudesmidsestraat 20 ·1700 Dilbeek, Belgium· 4 yrs active
Sector: Groothandel in auto's en lichte bestelwagens (<= 3,5 ton) (46711)
Conclusion Checked

The computed 12-month bankruptcy probability of RF-ZNAD is 2.1% (moderate). The 2024 annual accounts show equity of €2k and a net result of €597. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 55% of 3378 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €2k
Net result €597
Better than sector 55%
Active 4 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health73Profitability100Solvency58Growth78Stability94
81 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 73
Profitability 100
Solvency 58
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Health barometer FY 2024 · computed
73 / 100 Healthy
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 2024. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · micro
€-2k€-1k€-500€0€500Operating result 2022: €-1k€-1kNet result 2022: €-1k€-1kOperating result 2023: €596€596Net result 2023: €524€524Operating result 2024: €695€695Net result 2024: €597€597202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~31%/year over 3 fiscal years, indicative, assuming unchanged policy.
€1k€2k€3k€4k2025: €3k (€3k - €3k)2026: €4k (€3k - €4k)2027: €4k (€4k - €4k)2022: €1k2023: €2k2024: €2k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 30.7% 25.2%
better than 55% of 3378 sector peers
Net result €597 €4k
better than 41% of 3365 sector peers
Equity €2k €23k
better than 30% of 3385 sector peers
Gross operating margin €695 €19k
better than 27% of 3351 sector peers
Total assets €8k €105k
better than 7% of 3383 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-165
- 22-24
Net profit
€597
+13.8% 22-24
Cash flow
€-165
- 22-24
Total assets
€8k
+3.4% 22-24
Equity
€2k
+33.0% 22-24
Working capital
€2k
+33.0% 22-24
Debt
€5k
-5.9% 22-24
Debt ≤ 1y
€5k
-5.9% 22-24
Current ratio
1.44
+9.9% 22-24
Quick ratio
0.91
+12.1% 22-24
Solvency
30.7%
+28.7% 22-24
Debt / equity
2.26
-29.3% 22-24
ROE
24.8%
-14.4% 22-24
ROA
7.6%
+10.1% 22-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€597
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€8k
Equity€2k
Debt€5k
of which ≤ 1y€5k
of which > 1y-
Working capital€2k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.44
Quick ratio0.91
Working capital ratio30.7%
Solvency30.7%
Debt / equity2.26
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA7.6%
ROE24.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€8k
Current assets 29/58€8k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€804
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€8k
Equity 10/15€2k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-94
Amounts payable 17/49€5k
Amounts payable within one year 42/48€5k
Income statement
Gross operating margin 9900€695
Operating result 9901€695
Financial charges 65€98
Result before taxes 9903€597
Net result for the period 9904€597
Result to be appropriated 9905€597
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)(46711)
Legal form Private limited company(610)
Incorporation16-02-2022
StatusActive
Postal code1700
Establishment units 1 location
RF-ZNAD
Rue du Carabinier Français 66, 6200 ChâteletGroothandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20222.328.139.263
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
52012B0001/00C023 Wallonia 333 m² 1 · 66 m² 8.2 m · 2 fl.
23016D0063/00W002 Flanders 300 m² 1 · 299 m² 12.6 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
24-12-2024
State Gazette act Director changes
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
01-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
24-12-2024 Discharge granted to the board Director changes
Technical details 
{
  "events": [
    {
      "kind": "substantive_delegation",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Meneer Aznadi Nawfal",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Meneer Aznadi Nawfal",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-12-24",
    "filing_date": "2024-12-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-12-10",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0782.272.534",
    "name_full": "RF - ZNAD",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Meneer Aznadi Nawfal",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Handelsbemiddeling in de groothandel in andere specifieke goederen46180Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811
Primary activity highlighted.
Names & trade names
Legal nameNL RF-ZNAD
Registered office
Oudesmidsestraat 20
1700 Dilbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative