Active BE 0799.309.692Private limited company

NOTENBERG GROEP

Kruikstraat 27 ·2018 Antwerpen, Belgium· 3 yrs active

Sector: Retail sale of fruit and vegetables (47210)

Conclusion Checked

The computed 12-month bankruptcy probability of NOTENBERG GROEP is 2.1% (moderate). The 2024 annual accounts show equity of €46k and a net result of €42k. Its solvency ranks better than 75% of 26065 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 2 annual accounts.

Key figures

Equity	€46k
Net result	€42k
Staff (FTE)	2.7
Better than sector	75%

Financial profile 5 of 5 axes measured · computed by Checked

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 99

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

2.1% Moderate

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More 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 Flags0 events

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.

Checked score FY 2024 · computed

100 / 100 Excellent

050100

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.

Indicative credit limit

€5k

estimate, not credit advice

Score history

58 2023

100 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 2.18 (≥ 1.5) +10

Quick ratio Quick ratio 1.97 (≥ 1.0) +5

Leverage Debt/equity 0.60 (< 1.0) +10

Profitability ROE 93% (≥ 10%) +10

Interest coverage Interest coverage 17.0× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

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	62.6%	32.3%	better than 75% of 26065 sector peers
Net result	€42k	€4k	better than 87% of 26033 sector peers
Equity	€46k	€39k	better than 53% of 26125 sector peers
Gross operating margin	€142k	€31k	better than 86% of 25989 sector peers
Staff costs	€71k	€38k	higher than 72% of 12217 sector peers

EBITDA

€62k

+3453.6% 23-24

Net profit

€42k

+5841.4% 23-24

Cash flow

€47k

+6317.9% 23-24

Total assets

€73k

+70.0% 23-24

Equity

€46k

+1321.2% 23-24

Working capital

€32k

+932.0% 23-24

Employees (FTE)

3

+12.5% 23-24

Staff costs

€71k

+757.3% 23-24

Income taxes

€12k

+3129.8% 23-24

Debt

€27k

-31.2% 23-24

Debt ≤ 1y

€27k

-29.6% 23-24

Current ratio

2.18

+102.0% 23-24

Quick ratio

1.97

+108.2% 23-24

Solvency

62.6%

+736.1% 23-24

Debt / equity

0.60

-95.2% 23-24

ROE

93.0%

+318.1% 23-24

ROA

58.2%

+3395.5% 23-24

Interest coverage

16.96

+538.6% 23-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023
Deposit	micro schema	micro schema
Revenue	-	-
EBITDA	€62k	€2k
Net profit	€42k	€715
Cash flow	€47k	€729
Staff costs	€71k	€8k
Income taxes	€12k	€359
Dividends	-	-
Total assets	€73k	€43k
Equity	€46k	€3k
Debt	€27k	€40k
of which ≤ 1y	€27k	€39k
of which > 1y	-	-
Working capital	€32k	€3k
Employees (FTE)	2.7	2.4

Ratios (computed)

	2024	2023
Current ratio	2.18	1.08
Quick ratio	1.97	0.95
Working capital ratio	44.3%	7.3%
Solvency	62.6%	7.5%
Debt / equity	0.60	12.36
Long-term debt ratio	-	-
Interest coverage	16.96	2.66
Gross margin	-	-
Net margin	-	-
ROA	58.2%	1.7%
ROE	93.0%	22.2%
EBITDA margin	-	-
Days sales outstanding	-	-
Days payable outstanding	-	-
Inventory turnover	-	-
Days inventory (DSI)	-	-

Balance-sheet composition 2024

Assets

Fixed assets €13k · 18.3% Current assets €60k · 81.7%

Equity & liabilities

Equity €46k · 62.6% Debt €27k · 37.4%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€73k	€43k
Fixed assets	21/28	€13k	€982
Tangible fixed assets	22/27	€13k	€982
Current assets	29/58	€60k	€42k
Stocks & contracts in progress	3	€6k	€5k
Amounts receivable within one year	40/41	€3k	€3k
Cash & bank	54/58	€51k	€34k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€73k	€43k
Equity	10/15	€46k	€3k
Contributions / capital	10/11	€3k	€3k
Reserves	13	€43k	-
Accumulated profits (losses)	14	€0	€715
Amounts payable	17/49	€27k	€40k
Amounts payable within one year	42/48	€27k	€39k
Trade debts payable within one year	44	€2k	€28k
Income statement
Gross operating margin	9900	€142k	€17k
Operating result	9901	€58k	€2k
Financial income	75	€27	-
Financial charges	65	€4k	€657
Result before taxes	9903	€54k	€1k
Income taxes	67/77	€12k	€359
Net result for the period	9904	€42k	€715
Result to be appropriated	9905	€42k	€715

Legal Structure

NACE primary	Retail sale of fruit and vegetables(47210)
Legal form	Private limited company(610)
Incorporation	08-03-2023
Status	Active
Postal code	2018

Establishment units 1 location

NOTENBERG GROEP

Kruikstraat 27, 2018 AntwerpenRetail trade

since 20232.344.642.329

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11806F1221/00Y005	Flanders	91 m²	1 · 91 m²	13.3 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

All 3Financial 1Filings 2

2025

26-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 26 days late

2024

31-12

Financial Liquidity doublescurrent ratio 2.18

Current ratio from 1.08 to 2.18; short-term debt falls from €39k to €27k.

13-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 44 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Retail sale of fruit and vegetables47210Retail trade47810Plumbing work43221Retail sale of bread and pastry (bakery outlets)47241Other retail sale of food47279Retail trade47299

Names & trade names

Legal nameNL

NOTENBERG GROEP

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