Age2 yrs
Real estate3 parcels · 1,022 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of SAMBRE & CO is 4.0% (moderate). The 2024 annual accounts show equity of €18k and a net result of €8k. Its solvency ranks better than 57% of 6676 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Trust signals
3 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone4.0%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Multiple establishment units
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€8k
Working capital€10k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 21-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 27.4% | 20.4% | |
| Net result | €8k | €4k | |
| Equity | €18k | €16k | |
| Gross operating margin | €17k | €24k | |
| Staff costs | €5k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €10k |
| Net profit | €8k |
| Cash flow | €10k |
| Staff costs | €5k |
| Income taxes | - |
| Dividends | - |
| Total assets | €66k |
| Equity | €18k |
| Debt | €48k |
| of which ≤ 1y | €48k |
| of which > 1y | - |
| Working capital | €10k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.21 |
| Quick ratio | 0.02 |
| Working capital ratio | 15.5% |
| Solvency | 27.4% |
| Debt / equity | 2.65 |
| Long-term debt ratio | - |
| Interest coverage | 157.51 |
| Gross margin | - |
| Net margin | - |
| ROA | 12.3% |
| ROE | 44.9% |
| 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 | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €66k |
| Fixed assets | 21/28 | €8k |
| Intangible fixed assets | 21 | €4k |
| Tangible fixed assets | 22/27 | €4k |
| Current assets | 29/58 | €58k |
| Stocks & contracts in progress | 3 | €57k |
| Cash & bank | 54/58 | €503 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €66k |
| Equity | 10/15 | €18k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €8k |
| Amounts payable | 17/49 | €48k |
| Amounts payable within one year | 42/48 | €48k |
| Trade debts payable within one year | 44 | €36k |
| Income statement | ||
| Gross operating margin | 9900 | €17k |
| Operating result | 9901 | €8k |
| Financial charges | 65 | €65 |
| Result before taxes | 9903 | €8k |
| Net result for the period | 9904 | €8k |
| Result to be appropriated | 9905 | €8k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed68
/ 100
Healthy
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
3 locationsAlimentation Franco-Belge
since 20242.360.044.147
TABAC SHOP
since 20242.362.097.280
SAMBRE & CO
since 20242.362.097.379
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels3
Ground area1,022 m²
Buildings3
Building footprint194 m²
Volume (LiDAR)1,974 m³
Tallest building12.9 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52016B0103/00N000 | Wallonia | 649 m² | 1 · 69 m² | 12.8 m · 4 fl. |
| 52322B0771/00V000 | Wallonia | 204 m² | 1 · 59 m² | 12.3 m · 4 fl. |
| 52012B0047/00B009 | Wallonia | 170 m² | 1 · 66 m² | 12.0 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes66
/ 100
Strong profile, led by profitability.
Health
68
Profitability
100
Solvency
47
Growth
50
Stability
67
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621
Primary activity highlighted.
Names & trade names
| Legal nameFR | SAMBRE & CO |
Registered office
Rue du Général de Gaulle(CO) 71
6180 Courcelles, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.