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Complete company report
Generated 18-08-2026
Active BE 0805.480.080Private limited company

VRAC

Rue Roc Saint-Nicaise(TOU) 54 ·7500 Tournai, Belgium· 2 yrs active
Sector: Detailhandel in dranken, algemeen assortiment (47252)
Conclusion Checked

The computed 12-month bankruptcy probability of VRAC is 4.2% (elevated). The 2024 annual accounts show negative equity (€-9k) and a net result of €-29k. Its solvency ranks better than 18% of 6720 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-9k
Net result €-29k
Better than sector 18%
Active 2 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health10Profitability100Solvency42Growth-Stability67
55 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 42
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
4.2% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, 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 Flags0 events
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.
Health barometer FY 2024 · computed
10 / 100 Critical
050100
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -22.3% 20.4%
better than 18% of 6720 sector peers
Net result €-29k €4k
better than 9% of 6701 sector peers
Equity €-9k €16k
better than 18% of 6735 sector peers
Gross operating margin €-24k €24k
better than 5% of 6680 sector peers
Total assets €42k €94k
better than 28% of 6724 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-24k
Net profit€-29k
Cash flow€-25k
Staff costs-
Income taxes-
Dividends-
Total assets€42k
Equity€-9k
Debt€52k
of which ≤ 1y€27k
of which > 1y€25k
Working capital€-2k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.91
Quick ratio0.42
Working capital ratio-5.7%
Solvency-22.3%
Debt / equity-5.49
Long-term debt ratio-2.65
Interest coverage-18.11
Gross margin-
Net margin-
ROA-69.4%
ROE311.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€42k
Fixed assets 21/28€18k
Tangible fixed assets 22/27€18k
Current assets 29/58€24k
Stocks & contracts in progress 3€13k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€42k
Equity 10/15€-9k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€-29k
Amounts payable 17/49€52k
Amounts payable after one year 17€25k
Amounts payable within one year 42/48€27k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€-24k
Operating result 9901€-28k
Financial income 75€0
Financial charges 65€1k
Result before taxes 9903€-29k
Net result for the period 9904€-29k
Result to be appropriated 9905€-29k
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Augustin Charlot
    Director
    State Gazette act 25129637 (13-10-2025)
    Former
    - → 02-10-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Detailhandel in dranken, algemeen assortiment(47252)
Legal form Private limited company(610)
Incorporation05-09-2023
StatusActive
Postal code7500
Establishment units 1 location
VRAC
Rue de la Terre à Briques(MAR) 9B, 7522 TournaiGroothandel in wijnen en geestrijke dranken
since 20232.349.830.245
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57081G0213/00A000 Wallonia 59 m² 1 · 40 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
13-10-2025
State Gazette act Director changes
v3.2
09-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
07-09-2023
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 10 months ago
2025
13-10-2025 Augustin Charlot resigns as director Director changes
  • Augustin Charlot, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Augustin Charlot",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-10-02",
      "evidence_quote": "L\u0027assambl\u00E9e accepte la d\u00E9mission de son poste d\u0027administrateur de Mr Augustin Charlot. Son mandat prend fin ce 02/10/2025.",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0805.480.080",
    "name_full": "VRAC",
    "legal_form": "SRL"
  }
}
2023
07-09-2023 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "7500 Tournai, Chauss\u00E9e de Lille 204",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1982-04-24",
        "name": "CHARLOT Augustin Hyppolite Marie",
        "niss": null,
        "address": "7520 Tournai (Templeuve), rue Emmanuel Martin, 10"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "CHARLOT Augustin Hyppolite Marie",
      "is_subscriber_only": true,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1986-01-30",
        "name": "RIBAUCOURT Vincent Olivier",
        "niss": null,
        "address": "7500 Tournai, Rue Roc Saint-Nicaise, 54"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "RIBAUCOURT Vincent Olivier",
      "is_subscriber_only": true,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 20000,
  "subject_company": {
    "kbo": "0805.480.080",
    "name_full": "VRAC",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2023-09-01",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252
Primary activity highlighted.
Names & trade names
Legal nameFR VRAC
Registered office
Rue Roc Saint-Nicaise(TOU) 54
7500 Tournai, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative