Turnover
≈ €150,000 estimated
The micro format states no turnover.
YOUR VISUAL HERE
Lifetime
11 annual accounts with figures on one time axispeak €34,449 (2025)
€34,449▲ €50,077
lowest -€19,937 (2023)
€27,498▲ €46,202
peak €33,968 (2022)
€22,824▲ €27,498
€36,554▼ 42.8%
Board2 names since 2015
1 directorFAIN Guillaume Christian Jean Catherine
Documentsfilings and deeds
19-09-202650 days late
2025micro format
Gross margin from -€15,628 to €34,449Back to profit: €27,498Registered office moved from Laeken to Evere 21-08Equity from -€4,674 to €22,824Debts from €63,857 to €36,554
Key points
from the 2025 annual accountsChecked score
65
Healthy
Financially stronger than 75% of micro companies in wholesale trade (NACE 46)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.7%
01-2025: 3.6%▼ -0.1 percentage points vs 12-2024
02-2025: 3.6%● unchanged vs 01-2025
03-2025: 3.6%● unchanged vs 02-2025
04-2025: 3.7%▲ +0.1 percentage points vs 03-2025
05-2025: 3.7%● unchanged vs 04-2025
06-2025: 3.5%▼ -0.2 percentage points vs 05-2025
07-2025: 3.5%● unchanged vs 06-2025
08-2025: 4.1%▲ +0.6 percentage points vs 07-2025
09-2025: 7.2%▲ +3.1 percentage points vs 08-2025
10-2025: 10.6%▲ +3.4 percentage points vs 09-2025highest value
11-2025: 7.8%▼ -2.8 percentage points vs 10-2025
12-2025: 7.8%● unchanged vs 11-2025
01-2026: 7.8%● unchanged vs 12-2025
02-2026: 7.7%▼ -0.1 percentage points vs 01-2026
03-2026: 7.6%▼ -0.1 percentage points vs 02-2026
04-2026: 7.9%▲ +0.3 percentage points vs 03-2026
05-2026: 8.0%▲ +0.1 percentage points vs 04-2026
06-2026: 7.8%▼ -0.2 percentage points vs 05-2026
07-2026: 7.7%▼ -0.1 percentage points vs 06-2026
08-2026: 8.2%▲ +0.5 percentage points vs 07-2026
09-2026: 8.2%● unchanged vs 08-2026
10-2026: 1.5%▼ -6.7 percentage points vs 09-2026lowest value
11-2026: 1.5%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 50 days late; 3 of the last 3 accounts late
1 change of registered office in 24 months
Size: total assets €59,378
lowers risk
Liquidity: current ratio 1.39, cash €17,177
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 46, micro). It does better than 47% of them on solvency, 59% on liquidity, 95% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 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).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as YOUR VISUAL HERE has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of YOUR VISUAL HERE itself is higher: 1.5% within 12 months. It rests on far more data about YOUR VISUAL HERE than the profile alone.
Test of the method
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 34,693 companies, not a prediction for YOUR VISUAL HERE. 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.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.39 (0.78 in 2024), below the usual 1.5. Short-term debt is 61.6% and cash 28.9% of total assets. 61.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 50 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 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 filingsDeviation from the deadline
2025
50 days late
2024
61 days late
2023
122 days late
2022
98 days late
2021
131 days late
2020
108 days late
2019
132 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 100 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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 6 November (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Laeken to Evere
New registered office: Avenue de L'Optimisme, 15 à 1140 EVERE · Previous registered office: RUE CHARLES DEMEER 49 1020 LAEKEN · Resignation: Muriel Van Elewyck (director) · General meeting of 20-06-2025 · Gazette deed
2 managers resigning, 2 directors reappointed
Resignations: FAIN Guillaume Christian Jean Catherine (manager) and VAN ELEWYCK Muriel Catherine (manager) · Reappointments: FAIN Guillaume Christian Jean Catherine (director) and VAN ELEWYCK Muriel Catherine (director) · General meeting of 21-12-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0598884532
Incorporation
published on 25-02-2015 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| YOUR VISUAL HERE Evere | €59,378 | €34,449 | 38.4% | - |
| Tinori Pajottegem | €46,146 | €21,470 | 55.6% | - |
| NICLE Ranst | €92,422 | €36,392 | 85.1% | - |
| Outdoorjackets.be Antwerp | €61,979 | €18,334 | 38.1% | - |
| AM Collection Antwerp | €68,703 | €19,139 | 21.7% | - |
| AYA SOFIA Jette | €91,935 | €66,248 | 6.0% | - |
| CMKA Molenbeek-Saint-Jean | €111,710 | €47,866 | 14.0% | - |
These companies have the same main activity as YOUR VISUAL HERE: agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160). They are comparable in size and age: total assets between €46,100 and €112,000, founded between 2013 and 2016.
Official details
Source: KBO- Status
- Active since 23-02-2015Normal situation
- Activity
- Agents in the wholesale of textiles, clothing, fur, footwear and leather goodsNACE 46160
- Establishment unit
- 2.239.869.5601140 Evere, since 23-02-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Insights on YOUR VISUAL HERE
YOUR VISUAL HERE files the micro format. That format states no turnover. The gross margin rose from €6,401 in 2015 to €34,449 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about YOUR VISUAL HERE
- What is the company number of YOUR VISUAL HERE?
- The company number of YOUR VISUAL HERE is 0598.884.532. The VAT number is the same number with BE in front: BE 0598.884.532.
- Where is YOUR VISUAL HERE based?
- The registered office is at Optimismelaan 15, 1140 Evere.Company details
- What does YOUR VISUAL HERE do?
- According to the KBO register, the main activity is agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160).
- What is the legal form of YOUR VISUAL HERE?
- YOUR VISUAL HERE is a private limited company (BV).
- When was YOUR VISUAL HERE founded?
- YOUR VISUAL HERE was founded on 23-02-2015.
- Is YOUR VISUAL HERE still active?
- Yes, YOUR VISUAL HERE is an active enterprise in the KBO register.
- What is the turnover of YOUR VISUAL HERE?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €34,449 and 38 comparable companies (NACE 461). It probably lies between €94,000 and €380,000.Financials
- Is YOUR VISUAL HERE profitable?
- In financial year 2025, YOUR VISUAL HERE made a profit of €27,498.
- Where can I find the annual accounts of YOUR VISUAL HERE?
- YOUR VISUAL HERE filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of YOUR VISUAL HERE due?
- YOUR VISUAL HERE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
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