Turnover
The micro format states no turnover.
The micro format states no turnover.
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 23% of them on solvency, 14% on liquidity and 42% on profitability.
The bankruptcy probability was computed on 06-11-2026 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).
In July 2024, 280 companies had the same profile as UW VOETPUNT has now. Each dot is one company, two years later.
The bankruptcy probability of UW VOETPUNT itself is higher: 2.4% within 12 months. It rests on far more data about UW VOETPUNT than the profile alone.
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 280 companies, not a prediction for UW VOETPUNT. 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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| UW VOETPUNT Heusden-Zolder | €23,696 | €1,653 | 5.7% | - |
| R21M Genk | €21,881 | -€3,032 | -10.7% | - |
| ARTAPER Leuven | €21,058 | -€7,841 | 91.8% | - |
| DBD CANDY WORLD Saint-Josse-ten-Noode | €24,373 | -€20,191 | -97.4% | - |
| NOMADIX Oud-Heverlee | €20,675 | -€9,840 | -6.0% | - |
| Chique Happens Aarschot | €31,378 | €2,206 | 6.6% | - |
| CEMATI Heusden-Zolder | €18,881 | -€6,089 | 73.6% | - |
These companies have the same main activity as UW VOETPUNT: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €18,900 and €31,400, founded between 2024 and 2025.
The computed 12-month bankruptcy probability of UW VOETPUNT is 2.4% (moderate). The 2025 annual accounts show equity of €1,339 and a net result of -€1,661.
Its solvency ranks better than 26% of 22,869 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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