RUPALI TRADERS
ActiveSummary
RUPALI TRADERS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,038 and a net result of €18,039. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+72
Solvency72▲+6
Growth73▲+28
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.7 in 2024; short-term debt: 53.2% and cash: 20.3% of total assets), but 53.2% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
46.8%
Return on assets
29.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €29,038
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
5 d late
2023
27 d late
2022
137 d late
2021
121 d late
2020
100 d late
2019
186 d late
← 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 87 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 (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€312,132▲ 1.1%
2024 · €308,851
EBIT margin
6.9%▲ 4.9pp
2024 · 2.1%
Net result
€18,039
2024 · -€1,361
Working capital
€29,038▲ 102%
2024 · €14,407
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€218,534▲ 46.1%€283,211▲ 29.6%€307,843▲ 8.7%€308,851▲ 0.3%€312,132▲ 1.1%
Operating result€429-€6,439€23,608€6,442▼ 72.7%€21,654▲ 236%
Net result€195within the sector's middle half-€6,719below the sector's middle half€23,328above the sector's middle half-€1,361within the sector's middle half€18,039within the sector's middle half
EBIT margin0.2%▲ 10.7pp-2.3%▼ 2.5pp7.7%▲ 9.9pp2.1%▼ 5.6pp6.9%▲ 4.9pp
Equity-€20,780below the sector's middle half▲ 0.9%-€14,118below the sector's middle half▲ 32.1%€15,768within the sector's middle half€14,407within the sector's middle half▼ 8.6%€29,038within the sector's middle half▲ 102%
Total assets€3,622below the sector's middle half▲ 88.2%€6,107below the sector's middle half▲ 68.6%€19,800below the sector's middle half▲ 224%€34,869below the sector's middle half▲ 76.1%€62,057within the sector's middle half▲ 78.0%
Debt€24,402▲ 6.6%€20,225▼ 17.1%€4,032▼ 80.1%€20,462▲ 408%€33,019▲ 61.4%
Working capital-€20,780below the sector's middle half▲ 0.9%-€14,118below the sector's middle half▲ 32.1%€15,768within the sector's middle half€14,407within the sector's middle half▼ 8.6%€29,038within the sector's middle half▲ 102%
Solvency-231.2%below the sector's middle half79.6%above the sector's middle half▲ 310.8pp41.3%within the sector's middle half▼ 38.3pp46.8%within the sector's middle half▲ 5.5pp
Current ratio0.30below the sector's middle half4.91above the sector's middle half▲ 4.611.70within the sector's middle half▼ 3.211.88within the sector's middle half▲ 0.18
Return on assets (ROA)-110.0%below the sector's middle half117.8%above the sector's middle half▲ 227.8pp-3.9%below the sector's middle half▼ 121.7pp29.1%above the sector's middle half▲ 33.0pp
Staff (FTE)0.80.8=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 236% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €62,057
Equity
€29,038 ▲ 102%
Debt
€33,019 ▲ 61.4%
Debt's share of the balance-sheet total falls from 58.7% to 53.2%. Equity and debt are higher.
Key figures and ratios
Quick ratio
0.57▼
2024 · 0.94
Debt to equity
1.14▼
2024 · 1.42
ROE
62.1%▲
2024 · -9.4%
Debt ≤ 1 year
€33,019▲
2024 · €20,462
Income taxes
€3,400▼
2024 · €7,526
Staff costs
€4,257▲
2024 · €3,810
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €218,534 | €283,211 | €307,843 | €308,851 | €312,132 | ▲ 1.1% |
| Non-recurring operating income76A | - | - | €316 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €205,786 | €271,450 | €277,191 | €283,407 | €280,796 | ▼ 0.9% |
| Remuneration, social security and pensions62 | €12,318 | €13,682 | €6,937 | €3,810 | €4,257 | ▲ 11.7% |
| Other operating charges640/8 | - | €4,518 | €1,623 | €16,392 | €6,626 | ▼ 59.6% |
| Gross operating margin9900 | €12,747 | €11,761 | €32,169 | €26,644 | €32,537 | ▲ 22.1% |
| Operating profit (loss)9901 | €429 | -€6,439 | €23,608 | €6,442 | €21,654 | ▲ 236% |
| Financial charges65/66B | €234 | €280 | €281 | €277 | €215 | ▼ 22.4% |
| Recurring financial charges65 | €234 | €280 | €281 | €277 | €215 | ▼ 22.4% |
| Profit (loss) for the period before taxes9903 | €195 | -€6,719 | €23,328 | €6,165 | €21,439 | ▲ 248% |
| Income taxes67/77 | - | - | - | €7,526 | €3,400 | ▼ 54.8% |
| Profit (loss) for the period9904 | €195 | -€6,719 | €23,328 | -€1,361 | €18,039 | ▲ 1,425% |
| Profit (loss) for the period to be appropriated9905 | €195 | -€6,719 | €23,328 | -€1,361 | €18,039 | ▲ 1,425% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,622 | €6,107 | €19,800 | €34,869 | €62,057 | ▲ 78.0% |
| Current assets29/58 | €3,622 | €6,107 | €19,800 | €34,869 | €62,057 | ▲ 78.0% |
| Stocks and contracts in progress3 | €2,495 | €4,695 | €5,090 | €15,648 | €43,375 | ▲ 177% |
| Stocks30/36 | €2,495 | €4,695 | €5,090 | €15,648 | €43,375 | ▲ 177% |
| Amounts receivable within one year40/41 | - | - | €7,292 | €15,332 | €6,064 | ▼ 60.4% |
| Trade receivables40 | - | - | €7,252 | €15,332 | €1,599 | ▼ 89.6% |
| Other amounts receivable41 | - | - | €40 | - | €4,465 | - |
| Cash at bank and in hand54/58 | €1,127 | €1,412 | €7,418 | €3,889 | €12,617 | ▲ 224% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,622 | €6,107 | €19,800 | €34,869 | €62,057 | ▲ 78.0% |
| Equity10/15 | -€20,780 | -€14,118 | €15,768 | €14,407 | €29,038 | ▲ 102% |
| Contributions10/11 | €15,441 | €15,441 | €22,000 | €22,000 | €18,592 | ▼ 15.5% |
| Reserves13 | €500 | €500 | €500 | €500 | €500 | = |
| Non-distributable reserves130/1 | €500 | €500 | €500 | €500 | €500 | = |
| Reserves not available under the articles1311 | €500 | €500 | €500 | €500 | €500 | = |
| Profit (loss) carried forward14 | -€36,721 | -€30,059 | -€6,732 | -€8,093 | €9,946 | ▲ 223% |
| Amounts payable17/49 | €24,402 | €20,225 | €4,032 | €20,462 | €33,019 | ▲ 61.4% |
| Amounts payable within one year42/48 | €24,402 | €20,225 | €4,032 | €20,462 | €33,019 | ▲ 61.4% |
| Trade debts44 | €1,794 | €4,247 | - | €19,518 | €6,704 | ▼ 65.7% |
| Suppliers440/4 | €1,794 | €4,247 | - | €19,518 | €6,704 | ▼ 65.7% |
| Taxes, remuneration and social security45 | €22,608 | €15,978 | €2,288 | €944 | €21,607 | ▲ 2,189% |
| Taxes450/3 | €1,780 | €840 | €1,866 | €448 | €5,933 | ▲ 1,223% |
| Remuneration and social security454/9 | €20,829 | €15,138 | €423 | €495 | €15,674 | ▲ 3,064% |
| Other amounts payable47/48 | - | - | €1,743 | - | €4,707 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €195 | -€6,719 | €23,328 | -€1,361 | €18,039 | ▲ 1,425% |
| Operating cash flow (approximation) | €195 | -€6,719 | €23,328 | -€1,361 | €18,039 | ▲ 1,425% |
| Change in cash | - | €285 | €6,006 | -€3,529 | €8,728 | ▲ 347% |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €18,039
Net result €18,039 after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €23,328
Net result €23,328 after one loss-making year.
31-12
Financial
Liquidity times 16current ratio 4.91
Current ratio from 0.30 to 4.91; short-term debt falls from €20,225 to €4,032.
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 137 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
31-12
Financial
Back to profitnet €195
Net result €195 after 2 loss-making years.
08-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 100 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 186 days late
2019
31-12
Financial
Weakest financial yearnet -€22,128
Net result drops to -€22,128, the lowest in the series; recovery starts the following year.
Show earlier events
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Brussel · 2 establishment units since 2013
Ground area
495 m²
Building footprint
274 m²
Volume, LiDAR
2,910 m³
2 parcels, Brussels · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Rupali Traders Euro-Bangla
since 20132.220.656.731
Rupali Traders
since 20252.380.990.803
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21010B0049/00L006 | Brussels | 415 m² | 1 · 198 m² | 11.1 m · 3 fl. |
| 21812N0223/00C000 | Brussels | 80 m² | 1 · 76 m² | 17.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2 sitesBrussel2.220.656.731
Jette2.380.990.803
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 4,405 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
Founded15-06-1998
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463565671
Also
9925:BE0463565671
Registered
01-05-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.