WHITE & BRUIN

Active

Private limited companyfounded 20241 yr activeCarnotstraat 5, 2060 Antwerpen, BelgiumKBO/BCE: BE 1013.786.689

WHITE & BRUIN has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35k and a net result of €30k. Its solvency ranks better than 83% of 26052 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).

Watch Print / PDF

Checked score

Score 2024

83 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency98

Growth-

Track record67

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity ample (current ratio 3.77; short-term debt: 26.5% of total assets), and 26.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 1 filing

Deviation from the deadline

2024

27 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€35k

Total assets

€47k

Net result

€30k

Working capital

€35k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Equity and liabilities €47k

73.5%

26.5%

Equity €35k

Debt €13k

Debt finances 26.5% of the balance-sheet total.

Key figures and ratios

2024 value

Solvency

73.5%

Current ratio

3.77

Quick ratio

3.77

Debt / equity

0.36

ROE

85.6%

ROA

62.9%

Debt

€13k

Debt ≤ 1 year

€13k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€47k

Current assets29/58€47k

Amounts receivable within one year40/41€47k

Trade receivables40€38k

Other amounts receivable41€9k

Equity and liabilities

Total equity and liabilities10/49€47k

Equity10/15€35k

Contributions10/11€5k

Reserves13€30k

Distributable reserves133€30k

Amounts payable17/49€13k

Amounts payable within one year42/48€13k

Taxes, remuneration and social security45€13k

Taxes450/3€13k

Income statement Code2024

Gross operating margin9900€30k

Operating profit (loss)9901€30k

Profit (loss) for the period before taxes9903€30k

Profit (loss) for the period9904€30k

Profit (loss) for the period to be appropriated9905€30k

Appropriation of the result

Profit (loss) to be appropriated9906€30k

Transfer to equity691/2€30k

To other reserves6921€30k

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Gazette 2Filings 1

2026

21-08

State Gazette act Registered office

General meeting · Registered-office move2 facts ▸

General meeting, 2026-08-10
Registered-office move, Carnotstraat 5 - 2060 Antwerpen

14-08

State Gazette act Registered office · Resignations & appointments

General meeting · Director resignation · Director appointment4 facts ▸

General meeting, 31/12/2025
Director resignation, Cheema Muhammad Shakeel (bestuurder)
Director appointment, Afzal Ghulam Mohammad (algemeen bestuurder)
Registered-office move, Kattestraat 63,9300 Aalst

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

State Gazette actNBB filing

Directors · office · real estate

Directors

2 directors, no change since 2026

Afzal Ghulam Mohammad

Algemeen bestuurder · since 14-08-2026

Current

14-08-2026 Afzal Ghulam Mohammad: Appointed as Algemeen bestuurder

14-08-2026 Cheema Muhammad Shakeel: Resigned as Director

Location & real-estate footprint

Registered office, Antwerpen · 1 establishment unit since 2024

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Carnotstraat 52060 Antwerpen

Ground area

1,155 m²

Building footprint

966 m²

Volume, LiDAR

10,634 m³

2 parcels, Flanders · tallest building 27.0 m, ±8 floors. Linked by address, not a title deed.

1 establishment unit

WHITE & BRUIN

Mannenberg(S) 97, 3270 Scherpenheuvel-ZichemWholesale of electrical household appliances and audio-video equipment

since 20242.366.117.436

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11808H0951/00K000	Flanders	690 m²	1 · 293 m²	27.0 m · 8 fl.
24098B0001/00Z006	Flanders	465 m²	1 · 673 m²	9.0 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

INTERNATIONAL MARKETING & SALES

Jemeppe-sur-Sambre · Eq €36k

Of 1,510 companies in sector 47540 we hold annual accounts for 805. 499 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-09-2024

Fiscal year end31-12

Activities, NACEBEL

47540Retail sale of electrical household appliances

82920Office administrative, office support and other business support activities

46500Wholesale of information and communication equipment

47400Retail sale of information and communication equipment

61100Wired, wireless and satellite telecommunications

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.