Investments
€660 8.9 × depreciation
Green is investment, beige is depreciation.
SIMRAN & ROOP
Lifetime
4 annual accounts with figures on one time axispeak €638,755 (2022)
€528,130▲ 0.7%
lowest -€15,484 (2024)
€9,653▲ €25,137
peak €25,766 (2023)
€19,935▲ 93.9%
€39,964▼ 12.7%
Board1 name since 2021
1 directorSINGH, Gurmukh
Documentsfilings and deeds
25-06-202636 days before the deadline
2025micro format
Gross margin from -€12,816 to €16,207Back to profit: €9,653Equity from €10,282 to €19,935Cash from €15,296 to €1,586
Key points
from the 2025 annual accountsFilings
4 annual accounts since 2022
The last four annual accounts were filed 0 to 36 days before the end of the period.
Starting capital
€10,000 100 shares
Checked score
52
Fair
Financially stronger than 46% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.5%▼ -0.3 percentage points vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025lowest value
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.6%▲ +0.1 percentage points vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 1.9%▲ +1.3 percentage points vs 07-2025
09-2025: 1.9%● unchanged vs 08-2025
10-2025: 1.9%● unchanged vs 09-2025
11-2025: 1.9%● unchanged vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026
03-2026: 2.1%▲ +0.2 percentage points vs 02-2026
04-2026: 2.1%● unchanged vs 03-2026
05-2026: 2.1%● unchanged vs 04-2026
06-2026: 2.1%● unchanged vs 05-2026
07-2026: 2.2%▲ +0.1 percentage points vs 06-2026
08-2026: 2.6%▲ +0.4 percentage points vs 07-2026
09-2026: 3.0%▲ +0.4 percentage points vs 08-2026highest value
10-2026: 2.4%▼ -0.6 percentage points vs 09-2026
11-2026: 2.4%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2021
Size: turnover €528,130, total assets €59,899
Sector: Retail trade (NACE 47)
lowers risk
Figures for financial year 2025 (filed on 25-06-2026)
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 47, micro). It does better than 49% of them on solvency, 17% on liquidity, 49% on profitability and 69% 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 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 26,972 companies had the same profile as SIMRAN & ROOP has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SIMRAN & ROOP itself is higher: 2.4% within 12 months. It rests on far more data about SIMRAN & ROOP 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 26,972 companies, not a prediction for SIMRAN & ROOP. 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
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48 (1.22 in 2024), below the usual 1.5. Short-term debt is 66.7% and cash 2.6% of total assets. 66.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-06-2026, 36 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
36 days early
2024
27 days early
2023
on the day
2022
5 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 17 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SINGH, Gurmukh 50 sharesdeed of 28-04-2021
- KAUR, Kulwant 50 sharesdeed of 28-04-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0767492704
2 establishments registered
Tongeren-Borgloon and Saint-Georges-sur-Meuse
Incorporation
Founding capital of €10,000, 100 shares · Founders: SINGH, Gurmukh; KAUR, Kulwant · Appointment: SINGH, Gurmukh (director) · published on 28-04-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SIMRAN & ROOP Tongeren-Borgloon | €528,130 | 2.3% | 33.3% | - |
| LA TANIERE DES OURSES Jemeppe-sur-Sambre | - | - | 51.6% | - |
| SUNNY BUSINESS Mol | - | - | 72.8% | - |
| MAI BUSINESS Tielt | €318,602 | 2.2% | 58.0% | - |
| ASHAR GONDAL MARKT Sint-Pieters-Leeuw | €74,639 | 24.5% | 29.1% | - |
| ESHAL SUPER MARKET Wetteren | - | - | 58.1% | - |
| SHEK OISHI Uccle | - | - | -14.1% | - |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as SIMRAN & ROOP: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €50,600 and €67,700, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 26-04-2021Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110and 2 others
- Establishment units
- 2.319.931.0833700 Tongeren-Borgloon, since 01-08-2021
- 2.319.931.1824470 Saint-Georges-sur-Meuse, since 01-08-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 01-10-2026
Annual accounts 2025
- €59,899▲ 6.8%
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on SIMRAN & ROOP
Solvency rose in 2025 from 18.3% to 33.3% because of the retained profit and lower debts.
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 SIMRAN & ROOP
- What is the company number of SIMRAN & ROOP?
- The company number of SIMRAN & ROOP is 0767.492.704. The VAT number is the same number with BE in front: BE 0767.492.704.
- Where is SIMRAN & ROOP based?
- The registered office is at Klein-Malstraat 43, 3700 Tongeren-Borgloon.Company details
- What does SIMRAN & ROOP do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of SIMRAN & ROOP?
- SIMRAN & ROOP is a private limited company (BV).
- When was SIMRAN & ROOP founded?
- SIMRAN & ROOP was founded on 26-04-2021.
- Is SIMRAN & ROOP still active?
- Yes, SIMRAN & ROOP is an active enterprise in the KBO register.
- What is the turnover of SIMRAN & ROOP?
- The turnover of SIMRAN & ROOP was €528,130 in financial year 2025, according to the filed annual accounts.Financials
- Is SIMRAN & ROOP profitable?
- In financial year 2025, SIMRAN & ROOP made a profit of €9,653.
- Where can I find the annual accounts of SIMRAN & ROOP?
- SIMRAN & ROOP filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SIMRAN & ROOP due?
- SIMRAN & ROOP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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