Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of GRENIER D’AFRIQUE is 3.3% (moderate). The 2024 annual accounts show equity of €22k and a net result of €-18k. Its solvency ranks better than 59% of 6698 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.3%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 29-07-2025 | 2 d early | 2025-00326790 |
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 2023, 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
Turnover€114k
EBIT margin16.7%
Net result€-18k
Working capital€-6k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 29.7% | 20.4% | |
| Net result | €-18k | €4k | |
| Equity | €22k | €16k | |
| Gross operating margin | €38k | €24k | |
| Staff costs | €13k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €114k |
| EBITDA | €25k |
| Net profit | €-18k |
| Cash flow | €-11k |
| Staff costs | €13k |
| Income taxes | €730 |
| Dividends | - |
| Total assets | €76k |
| Equity | €22k |
| Debt | €53k |
| of which ≤ 1y | €53k |
| of which > 1y | - |
| Working capital | €-6k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.89 |
| Quick ratio | 0.45 |
| Working capital ratio | -7.5% |
| Solvency | 29.7% |
| Debt / equity | 2.37 |
| Long-term debt ratio | - |
| Interest coverage | 34.78 |
| Gross margin | -14.8% |
| Net margin | -15.5% |
| ROA | -23.2% |
| ROE | -78.3% |
| EBITDA margin | 22.3% |
| Days sales outstanding | 11d |
| Days payable outstanding | - |
| Inventory turnover | 5.50 |
| Days inventory (DSI) | 66d |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €76k |
| Fixed assets | 21/28 | €28k |
| Tangible fixed assets | 22/27 | €26k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €47k |
| Stocks & contracts in progress | 3 | €24k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €18k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €76k |
| Equity | 10/15 | €22k |
| Contributions / capital | 10/11 | €40k |
| Accumulated profits (losses) | 14 | €-18k |
| Amounts payable | 17/49 | €53k |
| Amounts payable within one year | 42/48 | €53k |
| Income statement | ||
| Turnover | 70 | €114k |
| Gross operating margin | 9900 | €38k |
| Operating result | 9901 | €19k |
| Financial charges | 65 | €730 |
| Result before taxes | 9903 | €18k |
| Income taxes | 67/77 | €730 |
| Net result for the period | 9904 | €-18k |
| Result to be appropriated | 9905 | €-18k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed41
/ 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.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
3 directorsCurrent directors & mandates
-
Current08-12-2025 → present
Former directors (2)
-
Former- → 08-12-2025
-
Former- → 08-12-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 25-05-2023 |
| Status | Active |
| Postal code | 7110 |
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 Hector Ameye(H-G) 807110 La LouvièreEstablishment units
1 locationGRENIER D’AFRIQUE
since 20232.349.564.088
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,251 m²
Buildings2
Building footprint500 m²
Volume (LiDAR)732 m³
Tallest building11.2 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55020C0921/00V000 | Wallonia | 1,096 m² | 1 · 425 m² | - |
| 53403E0619/00E000 | Wallonia | 155 m² | 1 · 75 m² | 11.2 m · 3 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
4 acts Capital history · 1
08-12-2025
v3.2
Address history · 1
02-04-2024
v3.2
All acts · 4
updated 2 months ago
2026
15-06-2026 General meeting · Share transfer · Officer resignation · Officer appointment
- Filing: 2025-06-15 · GRENIER D'AFRIQUE
- General meeting: 2026-05-11 · GRENIER D'AFRIQUE
- Share transfer · GRENIER D'AFRIQUE
- Officer resignation: role: administrateur et administrateur délégué · NGANKEU BORIS PARFAIT
- Officer appointment: role: administrateur délégué, compensation: gratuit · GOUT & SAVEURS D'AFRIQUE SAS
- Power of attorney: purpose: procédures administratives liées à ces résolutions · ZOTAM NOUBISSI SIEGFRIED DONALD
- Publication: 2026-06-15
- Act object: VENTES D'ACTIONS, DEMISSIONS, NOMINATIONS
Summary:
General meeting · Share transfer · Officer resignation · Officer appointment
2025
08-12-2025 Transaction in capital or shares
Summary:
v3.2
2024
02-04-2024 Registered office moved from Boussu to Mons
- Rue de Valenciennes 1, 7301 Boussu → Rue des Capucins 58, 7000 Mons
Summary:
v3.2
2023
30-05-2023 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes49
/ 100
Mixed profile: strong on stability, weaker on profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
41
Profitability
33
Solvency
44
Growth
-
Stability
79
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Credit advice
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Company registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in andere voedingsmiddelen, neg46389Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Groothandel in dranken, algemeen assortiment46349Groothandel in dranken, algemeen assortiment46349Postdiensten in het kader van de universele dienstverplichting53100Postdiensten in het kader van de universele dienstverplichting53100Overige financiële dienstverlening64999Overige financiële dienstverlening, neg64999
Primary activity highlighted.
Names & trade names
| Legal nameFR | GRENIER D’AFRIQUE |
Registered office
Rue Hector Ameye(H-G) 80
7110 La Louvière, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.