Checked.be
Active
BE 0442.297.135Public limited company
CREDIFORT
Willemsstraat 30 ·1210 Sint-Joost-ten-Node, Belgium· 35 yrs active
Sector: Non-specialised food retail
(47110)
Conclusion
The computed 12-month bankruptcy probability of CREDIFORT is 1.8% (moderate). The 2022 annual accounts show equity of €279k and a net result of €23k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 4290 sector peers (fiscal year 2022). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €279k |
| Net result | €23k |
| Staff (FTE) | 1.9 |
| Better than sector | 75% |
Snowflake analysis
73
/ 100
Strong profile, led by stability.
Health
82
Profitability
41
Solvency
88
Growth
52
Stability
100
Bankruptcy probability (12 mo)
1.8%
Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region
+Annual accounts: weaker financial profile
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
KBO register: special legal situation
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Administrative Flags
No administrative flags
Health barometer
82
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 06-07-2023 with the NBB · fiscal year 2022 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~4.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 49.0% | 20.0% | |
| Net result | €23k | €3k | |
| Equity | €279k | €14k | |
| Gross operating margin | €80k | €19k | |
| Staff costs | €24k | €30k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€37k
+124.7%
-89% vs sector
€23k
+13.5%
-88% vs sector
€26k
+18.8%
-89% vs sector
€569k
+90.3%
-86% vs sector
€279k
+8.9%
-90% vs sector
€202k
-1.2%
-58% vs sector
2
-
-65% vs sector
€24k
-
-89% vs sector
€7k
-8.2%
-92% vs sector
€290k
+576.4%
-76% vs sector
€290k
+576.6%
-63% vs sector
1.70
-70.6%
-24% vs sector
0.75
-87.1%
-47% vs sector
49.0%
-42.8%
-27% vs sector
1.04
+521.3%
+110% vs sector
8.1%
+4.2%
+3% vs sector
4.0%
-40.4%
-17% vs sector
8.05
-73.1%
-11% vs sector
Figures by fiscal year
| Fiscal year | 2022 |
|---|---|
| Revenue | - |
| EBITDA | €37k |
| Net profit | €23k |
| Cash flow | €26k |
| Staff costs | €24k |
| Income taxes | €7k |
| Dividends | - |
| Total assets | €569k |
| Equity | €279k |
| Debt | €290k |
| of which ≤ 1y | €290k |
| of which > 1y | - |
| Working capital | €202k |
| Employees (FTE) | 1.9 |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 1.70 |
| Quick ratio | 0.75 |
| Working capital ratio | 35.6% |
| Solvency | 49.0% |
| Debt / equity | 1.04 |
| Long-term debt ratio | - |
| Interest coverage | 8.05 |
| Gross margin | - |
| Net margin | - |
| ROA | 4.0% |
| ROE | 8.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €569k |
| Fixed assets | 21/28 | €76k |
| Tangible fixed assets | 22/27 | €55k |
| Financial fixed assets | 28 | €22k |
| Current assets | 29/58 | €493k |
| Stocks & contracts in progress | 3 | €276k |
| Amounts receivable within one year | 40/41 | €102k |
| Investments | 50/53 | €4k |
| Cash & bank | 54/58 | €99k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €569k |
| Equity | 10/15 | €279k |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €132k |
| Accumulated profits (losses) | 14 | €85k |
| Amounts payable | 17/49 | €290k |
| Amounts payable within one year | 42/48 | €290k |
| Trade debts payable within one year | 44 | €126k |
| Income statement | ||
| Gross operating margin | 9900 | €80k |
| Operating result | 9901 | €34k |
| Financial income | 75 | €126 |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €29k |
| Income taxes | 67/77 | €7k |
| Net result for the period | 9904 | €23k |
| Result to be appropriated | 9905 | €23k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Legal Structure
| NACE primary | Non-specialised food retail(47110) |
| Legal form | Public limited company(014) |
| Incorporation | 20-10-1990 |
| Status | Active |
| Postal code | 1210 |
Establishment units
Maria van Hongarijelaan 64, 1083 Ganshoren
since 19902.050.043.728
HAKTAT
since 20222.330.373.728
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
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.
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0104/00F000 | Brussels | 3,465 m² | 1 · 3,289 m² | 74.5 m · 3 fl. |
| 21392A0064/00L002 | Brussels | 680 m² | 1 · 145 m² | 20.5 m · 6 fl. |
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.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
28-02-2025
State Gazette act
Director changes
2024
30-10-2024
State Gazette act
Director changes
2023
06-07-2023
NBB filing
Annual accounts filed
2022
06-12-2022
State Gazette act
Director changes
20-05-2022
NBB filing
Annual accounts filed
20-05-2022
NBB filing
Annual accounts filed
21-01-2022
State Gazette act
Registered-office change
2020
27-11-2020
NBB filing
Annual accounts filed
2019
08-10-2019
NBB filing
Annual accounts filed
2018
17-12-2018
NBB filing
Annual accounts filed
2017
27-09-2017
NBB filing
Annual accounts filed
03-01-2017
NBB filing
Annual accounts filed
2015
22-09-2015
NBB filing
Annual accounts filed
2014
08-08-2014
NBB filing
Annual accounts filed
Belgisch Staatsblad, acts
Address history · 1
21-01-2022
Registered-office move
All acts · 4
updated 1 year ago
2025
28-02-2025 1 director appointed, 1 resigning
- Altintas Onur, Bestuurder
- Cengiz Mehmet Arif, Bestuurder
Technical details
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"effective_date": "2025-02-01",
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"act_meta": {
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},
"decisions": [
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"date": "2025-01-31",
"unanimous": true
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],
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}2024
30-10-2024 1 director appointed, 1 resigning
- Cengiz Mehmet Arif, Bestuurder
- Gülal Thalia, Bestuurder
Technical details
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},
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"subkind": null,
"via_org": null,
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"effective_date": "2024-09-02",
"evidence_quote": "La d\u00E9mission de Mme G\u00FClal Thalia en tant qu\u0027administratrice. Mme. G\u00FClal n\u0027aura plus rien \u00E0 voir avec la",
"decharge_status": null,
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},
{
"kind": "director_in",
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"person": {
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"address": "rue du Progres 187/112 \u00E0 1030 Schaerbeek",
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"reason": null,
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},
{
"kind": "board_snapshot",
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"compensated": null,
"effective_date": "2024-09-02",
"evidence_quote": "Les changements ci-dessus prendront court \u00E0 partir du 02/09/2024.",
"decharge_status": null,
"mandate_duration": null,
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],
"notary": {
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},
"act_meta": {
"language": "fr",
"pub_date": "2024-10-30",
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},
"decisions": [
{
"body": "buitengewone_algemene_vergadering",
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],
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"publication_proxy": {
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}2022
06-12-2022 2 resigning, 1 reappointed
- BOULAICH Abdellatif, Bestuurder
- BOULAICH Mohammed, Bestuurder
- BOULAICH Mohammed, Bestuurder
Notary:
Jean VAN den WOUWER · BruxellesFirm:
Jean Van den Wouwer, Notaire
Technical details
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"notary": {
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},
"act_meta": {
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"decisions": [
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"is_correction": false,
"subject_company": {
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},
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}21-01-2022 Registered office moved from Saint-Josse-ten-Noode to Ganshoren
- Rue Willems 30 : 1210 Saint-Josse-ten-Noode → 1083 Ganshoren, avenue Marie de Hongrie, 64 boîte 8
Notary:
Jean VAN den WOUWER · BruxellesFirm:
Jean Van den Wouwer, Notaire
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "1083 Ganshoren, avenue Marie de Hongrie, 64 bo\u00EEte 8",
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"region": "brussels_hoofdstedelijk_gewest",
"street": "avenue Marie de Hongrie",
"country": "BE",
"postcode": "1083",
"box_number": "8",
"street_number": "64",
"locality_suffix": null
},
"old_address": {
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}
],
"notary": {
"name": "Jean VAN den WOUWER",
"firm_city": null,
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"is_associated": true
},
"act_meta": {
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},
"decision": {
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"date": "2022-01-18",
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},
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},
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},
"co_filed_documents": [
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]
}Credit advice
AI due-diligence brief
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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE)
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113
Primary activity highlighted.
Names & trade names
| Legal nameFR | CREDIFORT |
Registered office
Willemsstraat 30
1210 Sint-Joost-ten-Node, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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