SINGH KAUR
ActiveThe computed 12-month bankruptcy probability of SINGH KAUR is 1.5% (moderate). The 2025 annual accounts show equity of €26k and a net result of €580. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 10252 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-63
Solvency48▼-10
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.9 against 1.13 in 2024; short-term debt: 70.1% and cash: 3.9% of total assets), and 76.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Sector 47
higher
← 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
23.2%
Return on assets
0.5%
Age of the figures
9 mo
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 19-05-2026, 73 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
73 d early
2024
50 d early
2023
56 d early
2022
55 d early
2021
11 d early
2020
60 d late
2019
37 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€580▼ 98.8%
2024 · €50k
2019: €8k
2020: €4k
2021: €-880
2022: €-30k
2023: €-24k
2024: €50k
2019 → 2025
Working capital
€-8k
2024 · €6k
2019: €6k
2020: €11k
2021: €16k
2022: €-9k
2023: €-25k
2024: €6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€-322€-25k▼ 7,520%€25k€26k▲ 2.3%
Operating result€2k-€-26k€-23k▲ 13.9%€53k€4k▼ 92.5%
Net result€-880-€-30k▼ 3,299%€-24k▲ 19.1%€50k€580▼ 98.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 93% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€41k▲ 118%
Current assets
€70k▲ 23.3%
Equity and liabilities €111k
Equity
€26k▲ 2.3%
Debt
€85k▲ 68.9%
The debt ratio rises from 66.8% to 76.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €54k
Cash flow
€4k▼
2024 · €51k
Solvency
23.2%▼
2024 · 33.2%
Current ratio
0.90▼
2024 · 1.13
Quick ratio
0.12▲
2024 · 0.06
Debt / equity
3.32▲
2024 · 2.01
ROE
2.3%▼
2024 · 197.8%
ROA
0.5%▼
2024 · 65.7%
Interest coverage
2.11▼
2024 · 30.24
Debt
€85k▲
2024 · €50k
Debt ≤ 1 year
€78k▲
2024 · €50k
Debt > 1 year
€7k
Income taxes
€-135▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€76k€111k▲
Fixed assets21/28€19k€41k▲
Intangible fixed assets21€19k€17k▼
Tangible fixed assets22/27-€24k
Land and buildings22-€949
Furniture and vehicles24-€23k
Financial fixed assets28€100€100=
Current assets29/58€57k€70k▲
Stocks and contracts in progress3€54k€61k▲
Stocks30/36€54k€61k▲
Amounts receivable within one year40/41€865€5k▲
Trade receivables40€255€5k▲
Other amounts receivable41€610-
Cash at bank and in hand54/58€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€76k€111k▲
Equity10/15€25k€26k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€6k€7k▲
Amounts payable17/49€50k€85k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€50k€78k▲
Current portion of amounts payable after more than one year42-€4k
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Taxes, remuneration and social security45€3k€756▼
Taxes450/3€1k€756▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€38k€62k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€57k€10k▼
Operating profit (loss)9901€53k€4k▼
Financial income75/76B€1€18▲
Recurring financial income75€1€18▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€51k€445▼
Income taxes67/77€1k€-135▼
Profit (loss) for the period9904€50k€580▼
Profit (loss) for the period to be appropriated9905€50k€580▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€7k▲
Profit (loss) brought forward from the previous period14P€-43k€6k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €50k
Net result €50k after 3 loss-making years.
31-12
Financial
Liquidity times 15current ratio 1.13
Current ratio from 0.07 to 1.13.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2024
Resigned as Director
Location & real-estate footprint
Registered office, Zemst · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brusselsesteenweg 3111980 ZemstGround area
114 m²
Building footprint
113 m²
Volume, LiDAR
709 m³
Parcel 23020D0136/00F000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SINGH KAUR
since 20182.281.307.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23020D0136/00F000 | Flanders | 114 m² | 1 · 113 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
1 siteZemst2.281.307.168
Similar companies · same sector, comparable size
COVID 76
BE 0773.914.894
Schaarbeek · Eq €26k
N.W.P.& B.S.S.
BE 0892.339.226
Nivelles · Eq €26k
YUVRAJ AND ZORAWAR
BE 1010.037.640
Zonnebeke · Eq €26k
Bio Vrac Schaarbeek
BE 0771.667.068
Schaarbeek · Eq €26k
AMBALIYA
BE 0895.279.217
Antwerpen · Eq €26k
Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-10-2018
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.