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RETSILVER MARIAKERKE

Active
Private limited companyfounded 1960active for 66 yearsBrugsesteenweg 494, 9030 Gent, BelgiumKBO/BCE: BE 0405.235.019
Summary

The computed 12-month bankruptcy probability of RETSILVER MARIAKERKE is 1.9% (moderate). The 2025 annual accounts show equity of €167,008 and a net result of €78,812. Equity has been shrinking by about 8.4% per year since 2018. Its solvency ranks better than 19% of 12,775 sector peers (NACE 47, financial year 2025). The company has been active since 1960 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 16-03-1960 Normal situation
Activity
Other non-specialised retail sale NACE 47120and 1 other
Establishment unit
2.006.103.817 9030 Gent, since 26-07-1989
Financial year end
31 October
Peppol
Reachable since 19-12-2025

Board and ownership

Board
  • Retsilver LiningsDirector · since 04-07-2024 · permanent representative Yannick Haemers
Shareholders

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts to 31-10-2025
Gross margin
€1.4m
Turnover
≈ €9.6m
estimated
Profit
€78,812
Equity
€167,008
Total assets
€2.0m
Employees on 31-10-2025
17
Score breakdownraises riskEquity €167,008 (8.2% of total assets)Liquidity: current ratio 0.78, cash €68,025Sector: Retail trade (NACE 47)Size: 14.4 FTE, total assets €2.0mShow the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 26% of small companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 33-23
equity 8.2% of total assets
Liquidity 18-12
short-term debt 68.2% · cash 3.3%
Profitability 62+54
return on assets 3.9%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,696 companies, NACE 47, small)
Last 24 months 12-2024: 1.1% 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025lowest value 07-2025: 1.2%▲ +0.1 percentage points vs 06-2025 08-2025: 1.7%▲ +0.5 percentage points vs 07-2025 09-2025: 1.8%▲ +0.1 percentage points vs 08-2025 10-2025: 2.1%▲ +0.3 percentage points vs 09-2025 11-2025: 2.1%● unchanged vs 10-2025 12-2025: 2.5%▲ +0.4 percentage points vs 11-2025 01-2026: 3.8%▲ +1.3 percentage points vs 12-2025 02-2026: 3.8%● unchanged vs 01-2026 03-2026: 3.8%● unchanged vs 02-2026highest value 04-2026: 3.5%▼ -0.3 percentage points vs 03-2026 05-2026: 3.5%● unchanged vs 04-2026 06-2026: 1.9%▼ -1.6 percentage points vs 05-2026 07-2026: 1.9%● unchanged vs 06-2026 08-2026: 1.9%● unchanged vs 07-2026 09-2026: 1.9%● unchanged vs 08-2026 10-2026: 1.9%● unchanged vs 09-2026 11-2026: 1.9%● unchanged vs 10-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.78 (1.16 in 2023), below 1. Short-term debt is 68.2% and cash 3.3% of total assets. 91.8% 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 47, small). It does better than 20% of them on solvency, 16% on liquidity and 44% on profitability.

The bankruptcy probability was computed on 02-11-2026 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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Signals

Six signals.
raises riskneutral
raises risk · Equity €167,008 (8.2% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.78, cash €68,025
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Size: 14.4 FTE, total assets €2.0m
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12775 sector peers (2025).
NBB · sector comparison
Position among 12775 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 21-05-2026, 10 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
10 days early
2023
30 days early
2022
31 days late
2021
33 days early
2020
9 days early
2019
16 days early
2018
30 days early
← 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 14 days before the deadline. In the sector (NACE 47), the median for financial year 2023 was on the deadline day, and 48% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower solvency than 80% of companies in retail tradesector median 36.6% · 12,775 companies 8.2% View

Recent changes

  1. · Gazette deed Company renamed from UNIC MARIAKERKE to RETSILVER MARIAKERKEResignations: WILLAERT José Alberic (statutory director) and DEVENYN Christine Nadine Marie-Paule (statutory director)
  2. · Gazette deed Appointment: BV Retsilver Linings (bijkomend,niet statutair bestuurder)Permanent representative: Yannick Haemers
  3. · Gazette deed Demerger: UNIC MARIAKERKE splits off to KAPEDACapital decrease of €16,797.83 to €17,288.86 · Changes of role: WILLAERT José Alberic (statutory director) and DEVENYN Christine Nadine Marie-Paule (statutory director)
All 19 events

Comparable companies

These companies have the same main activity as RETSILVER MARIAKERKE: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €1.2m and €4.7m, founded between 1968 and 1982.

CompanyTotal assetsGross margin
RETSILVER MARIAKERKE Gent€2.0m€1.4m
Vital 1926 Deinze€2.8m€1.4m
Gaba Lier€2.2m€0.8m
INTER - HORO Menen€2.1m€1.1m
RAAS Gavere€1.2m€1.0m
Meubelfabriek Hilaire Jonckheere Meubelen Carolus Sint-Niklaas€4.7m€1.1m
Fecas Bonheiden€2.4m€0.8m
Full comparison

Key facts about RETSILVER MARIAKERKE

What is the company number of RETSILVER MARIAKERKE?
The company number of RETSILVER MARIAKERKE is 0405.235.019. The VAT number is the same number with BE in front: BE 0405.235.019.
Where is RETSILVER MARIAKERKE based?
The registered office is at Brugsesteenweg 494, 9030 Gent.Company details
What does RETSILVER MARIAKERKE do?
According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
What is the legal form of RETSILVER MARIAKERKE?
The legal form of RETSILVER MARIAKERKE is Private limited company (BV).
When was RETSILVER MARIAKERKE founded?
RETSILVER MARIAKERKE was founded on 16-03-1960.
Is RETSILVER MARIAKERKE still active?
Yes, RETSILVER MARIAKERKE is an active enterprise in the KBO register.
How many employees does RETSILVER MARIAKERKE have?
RETSILVER MARIAKERKE had an average of 14.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of RETSILVER MARIAKERKE?
The turnover in financial year 2025 is ≈ €9.6m. This figure is estimated from the gross margin of €1.4m and 30 comparable companies (NACE 471). It probably lies between €5.9m and €12.0m.
Is RETSILVER MARIAKERKE profitable?
In financial year 2025, RETSILVER MARIAKERKE made a profit of €78,812.
Where can I find the annual accounts of RETSILVER MARIAKERKE?
RETSILVER MARIAKERKE filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.

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