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GHARRAFI

Active
Private limited companyfounded 2018active for 7 yearsd'Aumalestraat 90, 1070 Anderlecht, BelgiumKBO/BCE: BE 0713.416.984
Summary

GHARRAFI has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45,197 and a net result of €6,740. Equity has been growing by about 14% per year since 2019. Its solvency ranks better than 95% of 4,785 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 09-11-2018 Normal situation
Activity
Limited-service restaurants, excluding mobile food services NACE 56112
Establishment unit
2.284.353.166 1070 Anderlecht, since 15-11-2018
Financial year end
31 December
Peppol
Reachable since 04-05-2025

Financial position

69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts 2025
Turnover
€112,988
▲ 7.6%
Profit
€6,740
▲ 53.4%
Equity
€45,197
▲ 17.5%
Total assets
€52,377
▲ 35.4%
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Score breakdownraises riskSize: turnover €112,988, total assets €52,377Last filed accounts filed 31 days late; 3 of the last 3 accounts lateSector: Food and beverage service activities (NACE 56)lowers riskLiquidity: current ratio 6.68, cash €39,771Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 77% of micro companies in food and beverage service (NACE 56)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 86.3% of total assets
Liquidity 98-2
short-term debt 13.7% · cash 75.9%
Profitability 72+3
return on assets 12.9%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,778 companies, NACE 56, micro)
Last 24 months 12-2024: 1.3% 01-2025: 1.2%▼ -0.1 percentage points vs 12-2024 02-2025: 1.0%▼ -0.2 percentage points vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.1%▲ +0.1 percentage points vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.0%▼ -0.1 percentage points vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 1.3%▲ +0.3 percentage points vs 07-2025 09-2025: 1.5%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 1.0%▼ -0.5 percentage points vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.0%● unchanged vs 11-2025 01-2026: 0.9%▼ -0.1 percentage points vs 12-2025 02-2026: 1.0%▲ +0.1 percentage points vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 0.9%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 1.2%▲ +0.3 percentage points vs 07-2026 09-2026: 0.9%▼ -0.3 percentage points vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026 11-2026: 0.9%● unchanged vs 10-2026
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.68, above the usual 1.5. Short-term debt is 13.7% and cash 75.9% of total assets. 13.7% of the assets are financed with debt and provisions.
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 56, micro). It does better than 94% of them on solvency, 97% on liquidity, 53% on profitability and 63% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Size: turnover €112,988, total assets €52,377
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 6.68, cash €39,771
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filings
Deviation from the deadline
2025
31 days late
2024
31 days late
2023
31 days late
2022
30 days late
2021
31 days late
2020
150 days late
2019
61 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 52 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 94% of companies in food and beverage servicesector median 29.8% · 4,785 companies 86.3% View
  • Positive: 4 years of growth in a rowturnover 2025: €112,988 4 years View

Recent changes

  1. · Gazette deed Legal-form change · Resignations & appointments
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as GHARRAFI: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €43,700 and €60,100, founded between 2018 and 2019.

CompanyTotal assetsGross margin
GHARRAFI Anderlecht€52,377€9,488
JBK INVEST Sint-Jans-Molenbeek€60,123€8,307
LIMOR GROUP Sint-Joost-ten-Node€43,707€9,428
FIDAN Diepenbeek€52,648€8,473
ShiLies Gent€56,967€10,165
LA CROISETTE Dinant€53,881€11,481
SARAY GRILL 42 Châtelet€46,624€8,236
Full comparison

Key facts about GHARRAFI

What is the company number of GHARRAFI?
The company number of GHARRAFI is 0713.416.984. The VAT number is the same number with BE in front: BE 0713.416.984.
Where is GHARRAFI based?
The registered office is at d'Aumalestraat 90, 1070 Anderlecht.Company details
What does GHARRAFI do?
According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
What is the legal form of GHARRAFI?
The legal form of GHARRAFI is Private limited company (BV).
When was GHARRAFI founded?
GHARRAFI was founded on 09-11-2018.
Is GHARRAFI still active?
Yes, GHARRAFI is an active enterprise in the KBO register.
What is the turnover of GHARRAFI?
The turnover of GHARRAFI was €112,988 in financial year 2025, according to the filed annual accounts.Financials
Is GHARRAFI profitable?
In financial year 2025, GHARRAFI made a profit of €6,740.
Where can I find the annual accounts of GHARRAFI?
GHARRAFI filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GHARRAFI due?
GHARRAFI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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