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Complete company report
Generated 01-08-2026
Active BE 0766.678.397Private limited company

SANDHU

Larum 30 ·2440 Geel, Belgium· 5 yrs active
Sector: Retail trade (47621)
Conclusion Checked

The computed 12-month bankruptcy probability of SANDHU is 2.2% (moderate). The 2025 annual accounts show equity of €40k and a net result of €27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 1394 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €40k
Net result €27k
Better than sector 68%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health84Profitability100Solvency88Growth78Stability94
89 / 100

Exceptional profile, strong across almost every axis.

Health 84
Profitability 100
Solvency 88
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.2% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Multiple establishment units +

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 3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
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
Health barometer FY 2025 · computed
84 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview5 NBB filings
Annual accounts filed on 03-06-2026 with the NBB · fiscal year 2025 · micro
€-40k€-20k€0€20k€40kOperating result 2021: €34k€34kNet result 2021: €22k€22kOperating result 2022: €-19k€-19kNet result 2022: €-24k€-24kOperating result 2023: €1k€1kNet result 2023: €-5k€-5kOperating result 2024: €14k€14kNet result 2024: €10k€10kOperating result 2025: €39k€39kNet result 2025: €27k€27k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~56% of the level (threshold 35%). We therefore deliberately show no projection line.
€0€10k€20k€30k€40k2021: €32k2022: €8k2023: €4k2024: €13k2025: €40k20212022202320242025
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 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 44.6% 23.6%
better than 68% of 1394 sector peers
Net result €27k €8k
better than 74% of 1391 sector peers
Equity €40k €26k
better than 58% of 1395 sector peers
Gross operating margin €42k €35k
better than 53% of 1388 sector peers
Total assets €89k €133k
better than 39% of 1395 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€41k
+162.3% +152% vs sector
Net profit
€27k
+181.6% +143% vs sector
Cash flow
€29k
+149.7% +143% vs sector
Total assets
€89k
+85.3% -76% vs sector
Equity
€40k
+204.8% -81% vs sector
Working capital
€39k
+151.5% -80% vs sector
Income taxes
€6k
+3902.7% +46% vs sector
Debt
€50k
+40.8% -69% vs sector
Debt ≤ 1y
€41k
+52.9% -63% vs sector
Debt > 1y
€8k
0.0% -95% vs sector
Current ratio
1.95
+23.6% -31% vs sector
Quick ratio
0.59
+14.4% -61% vs sector
Solvency
44.6%
+64.5% -22% vs sector
Debt / equity
1.24
-53.8% +66% vs sector
ROE
67.2%
-7.6% far above sector median
ROA
30.0%
+52.0% far above sector median
Interest coverage
6.15
+64.2% -46% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€41k
Net profit€27k
Cash flow€29k
Staff costs-
Income taxes€6k
Dividends-
Total assets€89k
Equity€40k
Debt€50k
of which ≤ 1y€41k
of which > 1y€8k
Working capital€39k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.95
Quick ratio0.59
Working capital ratio43.9%
Solvency44.6%
Debt / equity1.24
Long-term debt ratio0.20
Interest coverage6.15
Gross margin-
Net margin-
ROA30.0%
ROE67.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€89k
Fixed assets 21/28€9k
Tangible fixed assets 22/27€4k
Financial fixed assets 28€5k
Current assets 29/58€81k
Stocks & contracts in progress 3€56k
Amounts receivable within one year 40/41€7k
Cash & bank 54/58€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€89k
Equity 10/15€40k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€30k
Amounts payable 17/49€50k
Amounts payable after one year 17€8k
Amounts payable within one year 42/48€41k
Trade debts payable within one year 44€20k
Income statement
Gross operating margin 9900€42k
Operating result 9901€39k
Financial charges 65€7k
Result before taxes 9903€32k
Income taxes 67/77€6k
Net result for the period 9904€27k
Result to be appropriated 9905€27k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47621)
Legal form Private limited company(610)
Incorporation13-04-2021
StatusActive
Postal code2440
Establishment units 2 locations
't Etiket Larum
Larum 30, 2440 GeelActiviteiten ivm de verkoop van loterijbriefjes, het afleveren en inzamelen van deelnemingsformulieren, enz
since 20212.315.911.523
Sandhu dagwinkel
Laar 2, 2400 MolNiet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
since 20252.369.051.883
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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13434F1045/00D000 Flanders 3,170 m² 1 · 1,822 m² 19.8 m · 1 fl.
13374D0921/00G000
ProtectedTownscape or village viewMolen van Larum met omgevingSource ↗
 Flanders 841 m² 1 · 283 m² 11.2 m · 2 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 6 events

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

2026
03-06-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
25-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
07-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
19-02-2024
State Gazette act Director changes
2023
27-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
08-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
19-02-2024 1 director appointed, 1 resigning Director changes
  • Kaur Harpreet, Bestuurder
  • Singh Taljinder, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Singh Taljinder",
        "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": "De heer Singh Taljinder neemt ontslag als bestuurder, en dit vanaf heden.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Kaur Harpreet",
        "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": "Mevrouw Kaur Harpreet wordt benoemd als bestuurder, en dit vanaf heden.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Luik",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-02-19",
    "filing_date": "2024-02-08",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-01-25",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0766.678.397",
    "name_full": null,
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "Boekhoudkantoor Meynen",
    "person_name": "Lieselotte Gys",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621
Primary activity highlighted.
Names & trade names
Legal nameNL SANDHU
Registered office
Larum 30
2440 Geel, 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