14 STARS
ActiveThe computed 12-month bankruptcy probability of 14 STARS is 3.2% (moderate). The 2025 annual accounts show equity of €17k and a net result of €2k. Equity is growing by ~52.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 18173 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▲+5
Solvency53▲+25
Growth35▼-17
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.61 against 1.03 in 2024; short-term debt: 62% and cash: 2.5% of total assets), but 72.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 4 filingsDeviation from the deadline
2025
11 d late
2024
1 d early
2023
48 d late
2022
571 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€295k▼ 1.2%
2024 · €299k
2022: €487k
2023: €218k
2024: €299k
2022 → 2025
EBIT margin
0.9%▼ 0.8pp
2024 · 1.7%
2022: 0.7%
2023: 2.5%
2024: 1.7%
2022 → 2025
Net result
€2k▼ 59.6%
2024 · €5k
2022: €3k
2023: €5k
2024: €5k
2022 → 2025
Working capital
€23k▲ 113%
2024 · €11k
2022: €0
2023: €5k
2024: €11k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€487k-€218k▼ 55.3%€299k▲ 37.1%€295k▼ 1.2%
Equity€5k€11k▲ 93.4%€17k▲ 56.0%
Operating result€3k-€5k▲ 58.2%€5k▼ 6.6%€3k▼ 46.2%
Net result€3k-€5k▲ 58.2%€5k▼ 6.6%€2k▼ 59.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €59k
Equity
€17k▲ 56.0%
Debt
€43k▼ 86.2%
The debt ratio falls from 96.7% to 72.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
27.9%▲
2024 · 3.3%
Current ratio
1.61▲
2024 · 1.03
Quick ratio
1.33▲
2024 · 1.03
Debt / equity
2.58▼
2024 · 29.22
ROE
12.5%▼
2024 · 48.3%
ROA
3.5%▲
2024 · 1.6%
Debt
€43k▼
2024 · €310k
Debt ≤ 1 year
€37k▼
2024 · €310k
Debt > 1 year
€6k
Income taxes
€517
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€321k€59k▼
Current assets29/58€321k€59k▼
Stocks and contracts in progress3-€11k
Stocks30/36-€11k
Amounts receivable within one year40/41€315k€47k▼
Trade receivables40€305k-
Other amounts receivable41€10k€47k▲
Cash at bank and in hand54/58€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€321k€59k▼
Equity10/15€11k€17k▲
Profit (loss) carried forward14€11k€17k▲
Amounts payable17/49€310k€43k▼
Amounts payable after more than one year17-€6k
Other amounts payable178/9-€6k
Amounts payable within one year42/48€310k€37k▼
Trade debts44€304k€33k▼
Suppliers440/4€304k€33k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Income statement
Code20242025
Turnover70€299k€295k▼
Goods, raw materials, services and sundry goods60/61€52k€303k▲
Other operating charges640/8-€6k
Gross operating margin9900€5k€9k▲
Operating profit (loss)9901€5k€3k▼
Financial income75/76B-€15
Recurring financial income75-€15
Financial charges65/66B-€183
Recurring financial charges65-€183
Profit (loss) for the period before taxes9903€5k€3k▼
Income taxes67/77-€517
Profit (loss) for the period9904€5k€2k▼
Profit (loss) for the period to be appropriated9905€5k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€17k▲
Profit (loss) brought forward from the previous period14P€5k€14k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼59.6%
Net result drops to €2k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 571 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 48 days late
2023
31-12
Financial
Highest result since 2022net €5k ▲58.2%
Operating result €5k, net result €5k, both a record.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2021
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.
Gustave Latinislaan 1541030 SchaarbeekGround area
1,672 m²
Building footprint
771 m²
Volume, LiDAR
11,733 m³
Parcel 21904B0381/00A005, Brussels · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PECO BELO
since 20212.322.400.229
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0381/00A005 | Brussels | 1,672 m² | 1 · 771 m² | 19.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.322.400.229
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Sint-Jans-Molenbeek · Eq €16k
Of 2,477 companies in sector 47279 we hold annual accounts for 949. 670 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2021
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47242Retail sale of chocolate and confectionery
47260Retail trade
47784Retail sale of souvenirs and religious articles
47786Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:kazmi-ali2203@hotmail.com
Phone:0475969198