Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of EGD CUSTOMS is 2.2% (moderate). The 2023 annual accounts show negative equity (€-16k) and a net result of €-43k. Equity is shrinking by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 368 sector peers (fiscal year 2023). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.2%
Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 386 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 18-12-2024, 140 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 8 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 18-12-2024 | 140 d late | 2024-00618910 |
| 31-12-2022 | 31-07-2023 | 21-09-2023 | 52 d late | 2023-00450507 |
| 31-12-2021 | 31-07-2022 | 02-08-2022 | 2 d late | 2022-20260131 |
| 31-12-2020 | 31-07-2021 | 27-10-2021 | 88 d late | 2021-73400507 |
| 31-12-2019 | 31-07-2020 | 22-12-2020 | 144 d late | 2020-76600395 |
| 31-12-2018 | 31-07-2019 | 14-10-2019 | 75 d late | 2019-70000131 |
| 31-12-2017 | 31-07-2018 | 27-11-2018 | 119 d late | 2018-72900233 |
| 31-12-2016 | 31-07-2017 | 14-11-2017 | 106 d late | 2017-69600271 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2015, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-43k-32.9%
Working capital€666k+16.8%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 18-12-2024 with the NBB · fiscal year 2023 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~26.1%/year over 6 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 2023 · NACE 52 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -2.1% | 32.4% | |
| Net result | €-43k | €7k | |
| Equity | €-16k | €23k | |
| Gross operating margin | €117k | €30k | |
| Staff costs | €124k | €43k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P18
Weakening position over 2020-2023
· n=76-368
P5
Weakening position over 2020-2023
· n=76-368
P10
Weakening position over 2020-2023
· n=76-368
P84
Improving position over 2020-2023
· n=76-364
Describes the position versus peers, not a forecast.
€-8k
-
18-23
€-43k
-32.9%
18-23
€-17k
-167.0%
18-23
€759k
+6.8%
18-23
€-16k
-
18-23
€666k
+16.8%
18-23
2
-
18-23
€124k
+31.5%
18-23
Show 12 other metrics
€448
+5.7%
18-23
€47k
-
18-23
€775k
+13.4%
18-23
€28k
-55.0%
18-23
€7k
-62.8%
18-23
24.70
+143.8%
18-23
24.70
+143.8%
18-23
-2.1%
-
18-23
-48.30
-
18-23
268.9%
-
18-23
-5.7%
-24.5%
18-23
-0.95
-
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-8k |
| Net profit | €-43k |
| Cash flow | €-17k |
| Staff costs | €124k |
| Income taxes | €448 |
| Dividends | - |
| Total assets | €759k |
| Equity | €-16k |
| Debt | €775k |
| of which ≤ 1y | €28k |
| of which > 1y | - |
| Working capital | €666k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 24.70 |
| Quick ratio | 24.70 |
| Working capital ratio | 87.8% |
| Solvency | -2.1% |
| Debt / equity | -48.30 |
| Long-term debt ratio | - |
| Interest coverage | -0.95 |
| Gross margin | - |
| Net margin | - |
| ROA | -5.7% |
| ROE | 268.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €759k |
| Fixed assets | 21/28 | €65k |
| Intangible fixed assets | 21 | €26k |
| Tangible fixed assets | 22/27 | €35k |
| Financial fixed assets | 28 | €4k |
| Current assets | 29/58 | €694k |
| Amounts receivable within one year | 40/41 | €673k |
| Cash & bank | 54/58 | €22k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €759k |
| Equity | 10/15 | €-16k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €-36k |
| Amounts payable | 17/49 | €775k |
| Amounts payable within one year | 42/48 | €28k |
| Trade debts payable within one year | 44 | €10k |
| Income statement | ||
| Gross operating margin | 9900 | €117k |
| Operating result | 9901 | €-34k |
| Financial charges | 65 | €9k |
| Result before taxes | 9903 | €-43k |
| Income taxes | 67/77 | €448 |
| Net result for the period | 9904 | €-43k |
| Result to be appropriated | 9905 | €-43k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed37
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Current20-09-2023 → present
2 events
- 20-09-2023 Mandate renewed· Director
- 20-09-2023 Resigned· Manager
-
Current20-09-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
2 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| GILET Franca Statutory auditor |
- | - → 15-06-2022 |
Show 1 earlier auditors
| Marie-France Wilmet Statutory auditor |
- | 15-06-2022 → 12-09-2025 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Opslag(52100) |
| Legal form | Private limited company(610) |
| Incorporation | 21-12-2015 |
| Status | Active |
| Postal code | 5032 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Rue Guillaume Fouquet,Isnes 285032 GemblouxEstablishment units
1 locationEGD CUSTOMS
since 20152.248.382.992
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.2 ha
Buildings1
Building footprint2,073 m²
Volume (LiDAR)18,104 m³
Tallest building9.8 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065B0060/00A002 | Wallonia | 1.2 ha | 1 · 2,073 m² | 9.8 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts All acts · 4
updated 10 months ago
2025
24-10-2025 Marie-France Wilmet resigns as statutory auditor
2023
20-09-2023 1 director appointed, 1 resigning, 1 reappointed
- Marie-France Lise Marcelle WILMET, Bestuurder
- Erwin GERARD, Zaakvoerder
- Erwin GERARD, Bestuurder
Summary:
v3.2
2022
14-07-2022 1 director appointed, 1 resigning
2015
23-12-2015 Incorporation of a new SNC
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured67
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
37
Profitability
100
Solvency
67
Growth
32
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 137 of the 1,027 companies in this sector. 65 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Opslag52100Handelsbemiddeling in de groothandel in voedings- en genotmiddelen46170Groothandel in dranken, algemeen assortiment46349Logistieke diensten52250Overige vervoerondersteunende activiteiten52290Overige posterijen en koeriers53200
Primary activity highlighted.
Names & trade names
| Legal nameFR | EGD CUSTOMS |
Registered office
Rue Guillaume Fouquet,Isnes 28
5032 Gembloux, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.