SUPER MARKET HERSTAL
ActiveSUPER MARKET HERSTAL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236k and a net result of €-11k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-24
Solvency65=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.78 in 2024; short-term debt: 53.3% and cash: 15.8% of total assets), but 60.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
42 d early
2023
166 d late
2022
31 d late
2021
31 d late
2020
25 d late
2019
89 d late
← 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
20-09-2026 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
€-11k
2024 · €24k
2018: €15k
2019: €-50k
2020: €52k
2021: €24k
2022: €27k
2023: €23k
2024: €24k
2018 → 2025
Working capital
€239k▼ 5.4%
2024 · €253k
2018: €91k
2019: €62k
2020: €126k
2021: €149k
2022: €180k
2023: €249k
2024: €253k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€200k▲ 15.7%€223k▲ 11.4%€247k▲ 10.7%€236k▼ 4.6%
Operating result€38k-€44k▲ 16.5%€27k▼ 40.1%€27k▲ 3.2%€11k▼ 60.6%
Net result€24k-€27k▲ 13.1%€23k▼ 15.9%€24k▲ 5.0%€-11k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €591k
Fixed assets
€37k▼ 16.2%
Current assets
€554k▼ 4.1%
Equity and liabilities €591k
Equity
€236k▼ 4.6%
Debt
€355k▼ 5.3%
The debt ratio falls from 60.3% to 60.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €37k
Cash flow
€-2k▼
2024 · €33k
Solvency
39.9%▲
2024 · 39.7%
Current ratio
1.76▼
2024 · 1.78
Quick ratio
1.06▲
2024 · 0.97
Debt / equity
1.51▼
2024 · 1.52
ROE
-4.8%▼
2024 · 9.7%
ROA
-1.9%▼
2024 · 3.9%
Interest coverage
1.35▼
2024 · 3.36
Debt
€355k▼
2024 · €375k
Debt ≤ 1 year
€315k▼
2024 · €326k
Debt > 1 year
€40k▼
2024 · €50k
Income taxes
€20k▲
2024 · €8k
Staff costs
€87k▲
2024 · €79k
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€623k€591k▼
Fixed assets21/28€44k€37k▼
Tangible fixed assets22/27€44k€37k▼
Plant, machinery and equipment23€43k€36k▼
Furniture and vehicles24€1k€661▼
Current assets29/58€578k€554k▼
Stocks and contracts in progress3€261k€220k▼
Stocks30/36€261k€220k▼
Amounts receivable within one year40/41€265k€239k▼
Trade receivables40€4k€8k▲
Other amounts receivable41€261k€231k▼
Cash at bank and in hand54/58€53k€93k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€623k€591k▼
Equity10/15€247k€236k▼
Contributions10/11€90k€90k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€154k€143k▼
Amounts payable17/49€375k€355k▼
Amounts payable after more than one year17€50k€40k▼
Financial debts170/4€50k€40k▼
Amounts payable within one year42/48€326k€315k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€236k€210k▼
Suppliers440/4€236k€210k▼
Taxes, remuneration and social security45€69k€84k▲
Taxes450/3€46k€57k▲
Remuneration and social security454/9€23k€28k▲
Other amounts payable47/48€12k€12k=
Income statement
Code20242025
Remuneration, social security and pensions62€79k€87k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€3k€6k▲
Gross operating margin9900€118k€113k▼
Operating profit (loss)9901€27k€11k▼
Financial income75/76B€15k€13k▼
Recurring financial income75€15k€13k▼
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€32k€9k▼
Income taxes67/77€8k€20k▲
Profit (loss) for the period9904€24k€-11k▼
Profit (loss) for the period to be appropriated9905€24k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€143k▼
Profit (loss) brought forward from the previous period14P€130k€154k▲
Social balance
Average headcount (FTE)90872.73.0▲
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
13-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 166 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €200k ▲15.7%
3 profitable years in a row build equity to €200k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €173k ▲16.1%
2 profitable years in a row build equity to €173k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.04
Current ratio from 1.34 to 3.04; short-term debt falls from €184k to €62k.
31-12
Financial
Equity above €100kEq €149k ▲53.4%
Equity rises from €97k to €149k.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-50k ▼424%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 113 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herstal · 1 establishment unit since 2016
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.
En Laixheau 784040 HerstalGround area
283 m²
Building footprint
96 m²
Volume, LiDAR
364 m³
Parcel 62313E1030/00X002, Wallonia · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Super Market Herstal
since 20162.249.683.584
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62313E1030/00X002indicative | Wallonia | 283 m² | 1 · 96 m² | 6.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 siteHerstal2.249.683.584
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CHOICE LINE
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LE PARADIS DU FRUIT
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SM DINANT
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Dinant · Eq €236k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,859. 4,052 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-01-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.