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WATCH AND GOLD

Active
Private limited company (pre-2019)founded 2009active for 17 yearsZuidstraat 42, 1000 Brussel, BelgiumKBO/BCE: BE 0809.548.736

From the official registers: KBO 16 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

WATCH AND GOLD has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €199,583 and a net result of €17,870. Equity has been growing by about 3.2% per year since 2018. Its solvency ranks better than 92% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Overview

Official details

KBO
Status
Active since 03-02-2009 Normal situation
Activity
Retail sale of watches and jewellery NACE 47770and 2 others
Establishment unit
2.176.644.663 1000 Brussel, since 03-02-2009
Financial year end
31 December
Peppol
Reachable since 17-03-2026

Board and ownership

Board
  • CIMEN GeorgesDirector

Financial position

85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Annual accounts 2025
Gross margin
€24,078
▲ 7.1%
Turnover
≈ €260,000
estimated
Profit
€17,870
▼ 2.9%
Equity
€199,583
▲ 9.8%
Total assets
€238,283
▲ 15.3%
Filed on 25-09-2026, 56 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 56 days late; 1 of the last 3 accounts lateSize: total assets €238,283Liquidity: current ratio 6.42, cash €6,248, halvedlowers riskFounded in 2009Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 68% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 83.8% of total assets
Liquidity 50-16
short-term debt 15.5% · cash 2.6%
Profitability 78-2
return on assets 7.5%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.5%▲ +0.1 percentage points vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.5 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026 09-2026: 0.4%▲ +0.1 percentage points vs 08-2026 10-2026: 0.5%▲ +0.1 percentage points vs 09-2026
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.42 (8.28 in 2024), above the usual 1.5. Short-term debt is 15.5% and cash 2.6% of total assets. 16.2% of the assets are financed with debt and provisions.
Calculation

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 92% of them on solvency, 50% on liquidity, 68% on profitability and 60% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Founded in 2009
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Last filed accounts filed 56 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Size: total assets €238,283
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 6.42, cash €6,248, halved
NBB · annual accounts
raises risk · 2025 accounts filed 56 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
56 days late
2024
8 days early
2023
28 days late
2022
3 days early
2021
60 days late
2020
59 days late
2019
61 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 36 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 91% of companies in retail tradesector median 36.6% · 12,757 companies 83.8% View

Comparable companies

These companies have the same main activity as WATCH AND GOLD: retail sale of watches and jewellery (NACE 47770). They are comparable in size and age: total assets between €242,000 and €336,000, founded between 2002 and 2012.

CompanyTotal assetsGross margin
WATCH AND GOLD Brussel€238,283€24,078
MULTIDISCI Watermaal-Bosvoorde€300,783€37,391
J CONSULTING Watermaal-Bosvoorde€248,854€24,941
THESIAU Chaudfontaine€253,539€23,795
TACALI La Louvière€241,768€22,697
MERCHIE Moorslede€288,377€34,601
BIJOUTERIE FABER Neufchâteau€335,773€27,959
Full comparison

Documents

Annual accounts at the NBB

All 16 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about WATCH AND GOLD

What is the company number of WATCH AND GOLD?
The company number of WATCH AND GOLD is 0809.548.736. The VAT number is the same number with BE in front: BE 0809.548.736.
Where is WATCH AND GOLD based?
The registered office is at Zuidstraat 42, 1000 Brussel.Company details
What does WATCH AND GOLD do?
According to the KBO register, the main activity is retail sale of watches and jewellery (NACE 47770).
What is the legal form of WATCH AND GOLD?
The legal form of WATCH AND GOLD is Private limited company (pre-2019) (BVBA).
When was WATCH AND GOLD founded?
WATCH AND GOLD was founded on 03-02-2009.
Is WATCH AND GOLD still active?
Yes, WATCH AND GOLD is an active enterprise in the KBO register.
What is the turnover of WATCH AND GOLD?
The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €24,078 and 49 comparable companies (NACE 477). It probably lies between €130,000 and €630,000. It is a rough estimate.Financials
Is WATCH AND GOLD profitable?
In financial year 2025, WATCH AND GOLD made a profit of €17,870.
Where can I find the annual accounts of WATCH AND GOLD?
WATCH AND GOLD filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of WATCH AND GOLD due?
WATCH AND GOLD must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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