Checked.be
Active
BE 1012.801.744Private limited company
TOP MODA
Nijverheidszone 'Begijnenmeers' 52 ·1770 Liedekerke, Belgium· 2 yrs active
Sector: Wholesale of clothing, excluding workwear and underwear
(46423)
Conclusion
The computed 12-month bankruptcy probability of TOP MODA is 1.7% (moderate). The 2025 annual accounts show equity of €24k and a net result of €19k. Its solvency ranks better than 28% of 10877 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €24k |
| Net result | €19k |
| Better than sector | 28% |
| Active | 2 yrs |
Financial profile
64
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
100
Solvency
22
Growth
-
Stability
67
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
68
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score components
Liquidity
Current ratio 1.07 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.03 (≥ 1.0)
+5
Leverage
Debt/equity 6.31 (> 3.0)
-10
Profitability
ROE 79% (≥ 10%)
+10
Interest coverage
Interest coverage 5750.0× (≥ 3×)
+8
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 28-07-2026 with the NBB · fiscal year 2025 · micro schema
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.7% | 42.6% | |
| Net result | €19k | €6k | |
| Equity | €24k | €60k | |
| Gross operating margin | €179k | €29k | |
| Staff costs | €152k | €37k |
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €22k |
| Net profit | €19k |
| Cash flow | €22k |
| Staff costs | €152k |
| Income taxes | - |
| Dividends | - |
| Total assets | €176k |
| Equity | €24k |
| Debt | €152k |
| of which ≤ 1y | €152k |
| of which > 1y | - |
| Working capital | €11k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.07 |
| Quick ratio | 1.03 |
| Working capital ratio | 6.0% |
| Solvency | 13.7% |
| Debt / equity | 6.31 |
| Long-term debt ratio | - |
| Interest coverage | 5750.00 |
| Gross margin | - |
| Net margin | - |
| ROA | 10.8% |
| ROE | 79.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | 69d |
| Inventory turnover | 101.09 |
| Days inventory (DSI) | 4d |
Balance-sheet composition 2025
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €176k |
| Fixed assets | 21/28 | €14k |
| Financial fixed assets | 28 | €14k |
| Current assets | 29/58 | €162k |
| Stocks & contracts in progress | 3 | €6k |
| Amounts receivable within one year | 40/41 | €147k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €176k |
| Equity | 10/15 | €24k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €19k |
| Amounts payable | 17/49 | €152k |
| Amounts payable within one year | 42/48 | €152k |
| Trade debts payable within one year | 44 | €115k |
| Income statement | ||
| Gross operating margin | 9900 | €179k |
| Operating result | 9901 | €19k |
| Financial charges | 65 | €4 |
| Result before taxes | 9903 | €19k |
| Net result for the period | 9904 | €19k |
| Result to be appropriated | 9905 | €19k |
Legal Structure
| NACE primary | Wholesale of clothing, excluding workwear and underwear(46423) |
| Legal form | Private limited company(610) |
| Incorporation | 26-08-2024 |
| Status | Active |
| Postal code | 1770 |
Establishment units
TOP MODA
since 20242.362.911.981
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23044A0062/00E000 | Flanders | 3,376 m² | 1 · 1,720 m² | 8.2 m · 2 fl. |
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.
Updates
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Wholesale of clothing, excluding workwear and underwear46423Retail trade47519Retail sale of clothing and accessories for women, men, children and babies (general range)47716Retail sale of second-hand clothing47792
Names & trade names
| Legal nameNL | TOP MODA |
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