Age3 yrs
Real estate2 parcels · 5,809 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Graphème is 7.4% (elevated). The 2024 annual accounts show negative equity (€-31k) and a net result of €-7k. Its solvency ranks better than 13% of 3380 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone7.4%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+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 2024: 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-10-2025, 62 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.
How we compute the deadline
The year end is derived from 2 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 31-12-2024, that is 31-07-2025.
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 | 01-10-2025 | 62 d late | 2025-00521304 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00405963 |
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 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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€-7k+79.9%
Working capital€3k-84.8%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 01-10-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -47.8% | 25.2% | |
| Net result | €-7k | €4k | |
| Equity | €-31k | €22k | |
| Gross operating margin | €-434 | €19k | |
| Total assets | €64k | €105k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-903
+95.1%
23-24
€-7k
+79.9%
23-24
€-5k
+84.8%
23-24
€64k
-26.8%
23-24
€-31k
-28.5%
23-24
€3k
-84.8%
23-24
€95k
-15.0%
23-24
€56k
-11.1%
23-24
Show 8 other metrics
€38k
-22.1%
23-24
1.05
-18.0%
23-24
0.01
-97.8%
23-24
-47.8%
-75.6%
23-24
-3.09
+33.8%
23-24
22.2%
-84.4%
23-24
-10.6%
+72.6%
23-24
-0.22
+96.0%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-903 |
| Net profit | €-7k |
| Cash flow | €-5k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €64k |
| Equity | €-31k |
| Debt | €95k |
| of which ≤ 1y | €56k |
| of which > 1y | €38k |
| Working capital | €3k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.05 |
| Quick ratio | 0.01 |
| Working capital ratio | 4.1% |
| Solvency | -47.8% |
| Debt / equity | -3.09 |
| Long-term debt ratio | -1.23 |
| Interest coverage | -0.22 |
| Gross margin | - |
| Net margin | - |
| ROA | -10.6% |
| ROE | 22.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €64k |
| Fixed assets | 21/28 | €6k |
| Intangible fixed assets | 21 | €4k |
| Tangible fixed assets | 22/27 | €2k |
| Current assets | 29/58 | €58k |
| Stocks & contracts in progress | 3 | €58k |
| Amounts receivable within one year | 40/41 | €493 |
| Cash & bank | 54/58 | €80 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €64k |
| Equity | 10/15 | €-31k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €-41k |
| Amounts payable | 17/49 | €95k |
| Amounts payable after one year | 17 | €38k |
| Amounts payable within one year | 42/48 | €56k |
| Trade debts payable within one year | 44 | €20k |
| Income statement | ||
| Gross operating margin | 9900 | €-434 |
| Operating result | 9901 | €-3k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €-7k |
| Net result for the period | 9904 | €-7k |
| Result to be appropriated | 9905 | €-7k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed30
/ 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 2024. Indicative, not credit advice.
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.
Vanderkinderestraat 1101180 UkkelEstablishment units
2 locationsGraphème
since 20222.334.702.304
Graphème
since 20222.337.049.704
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area5,809 m²
Buildings2
Building footprint3,960 m²
Volume (LiDAR)87,594 m³
Tallest building45.8 m · ±8 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.
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0131/00T000 | Brussels | 5,672 m² | 1 · 3,878 m² | 45.8 m · 8 fl. |
| 21016B0152/00K004 | Brussels | 137 m² | 1 · 82 m² | 16.5 m · 5 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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Address history · 1
05-06-2026
Seat change: to: Rue Vanderkindere 110, 1180 Uccle, from: Avenue Louise 523, 1050 Bruxelles
All acts · 3
updated 2 months ago
2026
05-06-2026 General meeting · Seat change · Power of attorney · Act object
- Filing: 2026-05-29 · Graphème
- General meeting: 2026-03-31 · Graphème
- Seat change: to: Rue Vanderkindere 110, 1180 Uccle, from: Avenue Louise 523, 1050 Bruxelles · Graphème
- Power of attorney: purpose: procéder aux différentes formalités liées à ces décisions, en ce compris la signature des documents de publication au Moniteur belge · Stéphane Marécha
- Publication: 2026-06-05
- Act object: Siège
Summary:
General meeting · Seat change · Power of attorney · Act object
2024
02-02-2024 Change in the board of directors
Summary:
v3.2
2022
31-08-2022 Incorporation of a new SRL
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured65
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
30
Profitability
100
Solvency
45
Growth
58
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
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BE 0826.576.986 · Ukkel
BE 0733.563.191 · Ukkel
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 82 of the 796 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in parfumerieën en cosmetica46450Groothandel in parfumerieën en cosmetica46450Overige niet-gespecialiseerde detailhandel47120Detailhandel in cosmetica en toiletartikelen in gespecialiseerde winkels47750Detailhandel in cosmetica en toiletartikelen47750Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
| Legal nameFR | Graphème |
Registered office
Vanderkinderestraat 110
1180 Ukkel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.