Financials
- Fiscal year
- 2025
- Total assets
- €49,412
- Profit
- €24,143
- Solvency
- 57.2%
Total assets▼ 4.8%
Net result
20182025
TOP BENIPAL
ActiveSummary
TOP BENIPAL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,268 and a net result of €24,143. Equity is shrinking by ~15.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 70% of 12386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112NACE 47113
1 site
Size
€49,412total assets 2025
- Equity
- €28,268
- Profit
- €24,143
Turnover not published (abridged schema)
Structure
Accounts filed 18 d late0 of 2 deeds read
Why 85- Size: total assets €49,412- Latest accounts 18 days late; 1 of the last 3 late- Sector Retail trade (NACE 47)+ Founded in 2009Show the evidence
Checked score
Score 2025
85
/ 100
Excellent
Probability in this band: under 0.55%
Better than 76% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
82+49
equity 57.2% of total assets
Liquidity
40+19
short-term debt 42.8% · cash 8.6%
Profitability
100+35
return on assets 48.9%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 2.0%
12-2024: 1.9%▼ -5.4% vs 11-2024
01-2025: 1.9%▼ -1.5% vs 12-2024
02-2025: 1.6%▼ -15.1% vs 01-2025
03-2025: 1.6%▼ -1.3% vs 02-2025
04-2025: 1.6%▼ -0.1% vs 03-2025
05-2025: 1.5%▼ -2.4% vs 04-2025
06-2025: 1.5%▼ -2.8% vs 05-2025
07-2025: 1.7%▲ +17.1% vs 06-2025
08-2025: 2.0%▲ +17.5% vs 07-2025highest value
09-2025: 0.8%▼ -61.1% vs 08-2025
10-2025: 0.8%● 0.0% vs 09-2025
11-2025: 0.8%● 0.0% vs 10-2025
12-2025: 0.8%● 0.0% vs 11-2025
01-2026: 0.8%▼ -1.6% vs 12-2025
02-2026: 0.8%● 0.0% vs 01-2026
03-2026: 0.8%▼ -0.4% vs 02-2026
04-2026: 0.8%▲ +1.2% vs 03-2026
05-2026: 0.8%▼ -2.6% vs 04-2026
06-2026: 0.7%▼ -3.1% vs 05-2026
07-2026: 0.8%▲ +4.5% vs 06-2026
08-2026: 1.3%▲ +63.0% vs 07-2026
09-2026: 0.5%▼ -59.5% vs 08-2026lowest value
10-2026: 0.5%● 0.0% vs 09-2026lowest value
- Founded in 2009 lowers the probability for this profile
- Size: total assets €49,412 raises the probability for this profile
- Latest accounts 18 days late; 1 of the last 3 late raises the probability
- Sector Retail trade (NACE 47) raises the probability
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 1.95 against 0.9 in 2024; short-term debt: 42.8% and cash: 8.6% of total assets), and 42.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 70%, liquidity 38%, profitability 96%, growth against the median 99%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €28,268
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
28 d late
2023
57 d late
2022
31 d late
2021
92 d late
2020
71 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 46 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Back to profitnet €24,143
- Liquidity doublescurrent ratio 1.95
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 18-08-2026Annual accounts filed
- 31-12-2025Back to profit
- 31-12-2025Liquidity doubles
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 03-07-2009
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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