Equity
-€6,601
Debts exceed assets in financial year 2025.
Retail Management Consultancy
Lifetime
9 annual accounts with figures on one time axispeak €223,619 (2017)
€3,521▲ €7,064
lowest -€19,033 (2019)
€2,900▲ €7,175
peak €12,641 (2020)
-€6,601▲ €2,900
€9,680▼ 4.7%
peak 5.7 FTE (2017)
-not published
Board1 name since 2022
1 directorSven GEERAERTS
Owners
Documentsfilings and deeds
01-02-20261 day late
2025micro format
Gross margin from -€3,543 to €3,521Back to profit: €2,900Equity from -€9,501 to -€6,601Cash from €8 to €3,079
Key points
from the 2025 annual accountsFilings
9 annual accounts 3 late
The 2017 accounts came latest: 334 days after the end of the period.
Position in the sector
-214.4%
Lower solvency than 94% of companies in wholesale trade. Sector median 40.4% · 13,805 companies.
Checked score
56
Fair
Financially stronger than 59% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.2%▲ +0.1 percentage points vs 12-2024
02-2025: 1.3%▲ +0.1 percentage points vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 1.3%● unchanged vs 03-2025
05-2025: 1.3%● unchanged vs 04-2025
06-2025: 1.3%● unchanged vs 05-2025
07-2025: 1.3%● unchanged vs 06-2025
08-2025: 1.3%● unchanged vs 07-2025
09-2025: 1.3%● unchanged vs 08-2025
10-2025: 1.3%● unchanged vs 09-2025
11-2025: 1.2%▼ -0.1 percentage points vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.4%▲ +0.2 percentage points vs 12-2025
02-2026: 1.8%▲ +0.4 percentage points vs 01-2026highest value
03-2026: 0.4%▼ -1.4 percentage points vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.3%▼ -0.1 percentage points vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€6,601
lowers risk
Size: total assets €3,079
Liquidity: current ratio 0.32, cash €3,079
Founded in 2016
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 46, micro). It does better than 6% of them on solvency, 51% on liquidity, 95% on profitability and 82% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 3,632 companies had the same profile as Retail Management Consultancy has now. Each dot stands for 10 companies, two years later.
91.8%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Retail Management Consultancy itself is lower: 0.3% within 12 months. It rests on far more data about Retail Management Consultancy than the profile alone.
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 3,632 companies, not a prediction for Retail Management Consultancy. 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
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 13805 sector peers (2025).
NBB · sector comparisonPosition among 13805 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
1 day late
2024
7 days early
2023
33 days early
2022
26 days early
2021
2 days early
2020
1 day late
2019
on the day
← 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 9 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 24 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0645703066
Resignation: Sven GEERAERTS (director)
Reappointment: Sven GEERAERTS (director) · “De vennootschap mag alle verrichtingen stellen van commerciële, industriële, onroerende, roerende of…” (deed in Dutch) · General meeting of 30-08-2024 · Gazette deed
Incorporation
published on 19-01-2016 · Gazette deed
First establishment
JBC, Bloemenhof 1, Lier
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Retail Management Consultancy Lier | €3,079 | €3,521 | -214.4% | - |
| INFINITY HOME Anderlecht | €2,875 | €7,063 | -3018.3% | - |
| A.P. CONSULT Brasschaat | €6,810 | €3,439 | 30.5% | - |
| Webstra Heist-op-den-Berg | €3,921 | €1 | 99.0% | - |
| BOURSEAUX Lontzen | €5,116 | -€12,573 | -669.6% | - |
| UNITED STATES OF BELGIUM Brussels | €7,410 | -€1,400 | -97.1% | - |
| Mercurex Zonhoven | €6,415 | €11,413 | 23.0% | - |
These companies have the same main activity as Retail Management Consultancy: agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160). They are comparable in size and age: total assets between €2,880 and €7,410, founded between 2012 and 2020.
Official details
Source: KBO- Status
- Active since 07-01-2016Normal situation
- Activity
- Agents in the wholesale of textiles, clothing, fur, footwear and leather goodsNACE 46160
- Establishment unit
- 2.250.966.1622500 Lier, since 07-01-2016
- Financial year end
- 30 June
- Peppol
- Reachable since 09-09-2025
Insights on Retail Management Consultancy
Retail Management Consultancy files the micro format. That format states no turnover. The gross margin fell from €223,619 in 2017 to €3,521 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 Retail Management Consultancy
- What is the company number of Retail Management Consultancy?
- The company number of Retail Management Consultancy is 0645.703.066. The VAT number is the same number with BE in front: BE 0645.703.066.
- Where is Retail Management Consultancy based?
- The registered office is at Bloemenhof 1, 2500 Lier.Company details
- What does Retail Management Consultancy do?
- According to the KBO register, the main activity is agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160).
- What is the legal form of Retail Management Consultancy?
- Retail Management Consultancy is a private limited company (BV).
- When was Retail Management Consultancy founded?
- Retail Management Consultancy was founded on 07-01-2016.
- Is Retail Management Consultancy still active?
- Yes, Retail Management Consultancy is an active enterprise in the KBO register.
- How many employees does Retail Management Consultancy have?
- Retail Management Consultancy had an average of 5.3 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of Retail Management Consultancy?
- The turnover in financial year 2025 is ≈ €31,000. This figure is estimated from the gross margin of €3,521 and 70 comparable companies (NACE 461). It probably lies between €14,000 and €51,000. It is a rough estimate.
- Is Retail Management Consultancy profitable?
- In financial year 2025, Retail Management Consultancy made a profit of €2,900.
- Where can I find the annual accounts of Retail Management Consultancy?
- Retail Management Consultancy filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Retail Management Consultancy due?
- Retail Management Consultancy must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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