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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of KO MINI WATERLOO is 2.1% (moderate). The 2024 annual accounts show negative equity (€-47k) and a net result of €-45k. Its solvency ranks better than 22% of 786 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 everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Lower-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 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, 11 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 23-09-2025, 54 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 | 23-09-2025 | 54 d late | 2025-00511300 |
| 31-12-2023 | 31-07-2024 | 04-07-2024 | 27 d early | 2024-00223098 |
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
Turnover€674k
EBIT margin-4.7%
Net result€-45k-108.1%
Working capital€-376k-25.0%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 23-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 93 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -8.0% | 20.2% | |
| Net result | €-45k | €2k | |
| Equity | €-47k | €18k | |
| Gross operating margin | €249k | €24k | |
| Staff costs | €217k | €21k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€674k
-
23-24
€32k
-19.2%
23-24
€-45k
-108.1%
23-24
€19k
-31.0%
23-24
€582k
+0.7%
23-24
€-47k
-2827.1%
23-24
€-376k
-25.0%
23-24
4
+50.0%
23-24
€217k
+10.0%
23-24
€628k
+8.4%
23-24
€446k
+28.6%
23-24
€182k
-21.7%
23-24
0.16
+18.3%
23-24
0.16
+24.6%
23-24
-8.0%
-2807.3%
23-24
-13.50
+96.3%
23-24
96.6%
-92.9%
23-24
-7.7%
-106.7%
23-24
-6.7%
-
23-24
4.7%
-
23-24
2.44
-24.6%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €674k |
| EBITDA | €32k |
| Net profit | €-45k |
| Cash flow | €19k |
| Staff costs | €217k |
| Income taxes | - |
| Dividends | - |
| Total assets | €582k |
| Equity | €-47k |
| Debt | €628k |
| of which ≤ 1y | €446k |
| of which > 1y | €182k |
| Working capital | €-376k |
| Employees (FTE) | 4.2 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.16 |
| Quick ratio | 0.16 |
| Working capital ratio | -64.7% |
| Solvency | -8.0% |
| Debt / equity | -13.50 |
| Long-term debt ratio | -3.91 |
| Interest coverage | 2.44 |
| Gross margin | 36.9% |
| Net margin | -6.7% |
| ROA | -7.7% |
| ROE | 96.6% |
| EBITDA margin | 4.7% |
| Days sales outstanding | 15d |
| Days payable outstanding | 94d |
| Inventory turnover | 1735.53 |
| Days inventory (DSI) | 0d |
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 | €582k |
| Fixed assets | 21/28 | €512k |
| Tangible fixed assets | 22/27 | €512k |
| Current assets | 29/58 | €70k |
| Stocks & contracts in progress | 3 | €245 |
| Amounts receivable within one year | 40/41 | €30k |
| Cash & bank | 54/58 | €38k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €582k |
| Equity | 10/15 | €-47k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €-67k |
| Amounts payable | 17/49 | €628k |
| Amounts payable after one year | 17 | €182k |
| Amounts payable within one year | 42/48 | €446k |
| Trade debts payable within one year | 44 | €109k |
| Income statement | ||
| Turnover | 70 | €674k |
| Gross operating margin | 9900 | €249k |
| Operating result | 9901 | €-32k |
| Financial charges | 65 | €13k |
| Result before taxes | 9903 | €-45k |
| Net result for the period | 9904 | €-45k |
| Result to be appropriated | 9905 | €-45k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed22
/ 100
Critical
Computed from 6 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 with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address register
Sint-Pieters-Woluwe
exact location from the address register
Establishment units
1 locationKO MINI WATERLOO
since 20232.341.132.513
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area5.0 ha
Buildings2
Building footprint2,058 m²
Volume (LiDAR)22,570 m³
Tallest building14.1 m · ±4 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
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763L0748/00F002 | Wallonia | 5.0 ha | 1 · 1,948 m² | 14.1 m · 4 fl. |
| 21683D0238/00M002 | Brussels | 361 m² | 1 · 110 m² | 11.6 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
3 acts Address history · 1
26-05-2026
Seat change: new: Avenue Orban 214, 1150 Woluwe-Saint-Pierre, old: Drève Richelle 4A, 1410 Waterloo
All acts · 3
updated 2 months ago
2026
26-05-2026 General meeting · Seat change · Statute amendment · Auditor mandate
- Filing: 2026-05-21 · KO MINI WATERLOO
- Publication: 2026-05-26 · KO MINI WATERLOO
- General meeting: 2026-04-13 · KO MINI WATERLOO
- Seat change: new: Avenue Orban 214, 1150 Woluwe-Saint-Pierre, old: Drève Richelle 4A, 1410 Waterloo · KO MINI WATERLOO
- Statute amendment: Article 2 · KO MINI WATERLOO
- Auditor mandate: end: 2028-12-31, start: 2026-04-13, duration: trois ans · FORVIS MAZARS REVISEURS D'ENTREPRISES SRL
- Permanent representative: représentant permanent · Guillaume VANHOLLEBEKE
- Mandate compensation · FORVIS MAZARS REVISEURS D'ENTREPRISES SRL
- Permanent representative: représentant permanent · STÉRIN Pierre-Edouard
- Officer resignation: représentant permanent · MALNOY Edouard
- Power of attorney: coordination des statuts · KO MINI WATERLOO
- Notarial deed: 2026-04-13 · KO MINI WATERLOO
- Act object: STATUTS (TRADUCTION, COORDINATION, AUTRES
Summary:
General meeting · Seat change · Statute amendment · Auditor mandate
2025
12-06-2025 Change in the board of directors
Summary:
v3.2
2022
14-12-2022 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes44
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
22
Profitability
41
Solvency
33
Growth
32
Stability
94
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Primary activity highlighted.
Names & trade names
| Legal nameFR | KO MINI WATERLOO |
Registered office
Orbanlaan 214
1150 Sint-Pieters-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.