strive · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of strive is 0.6% (low). The 2024 annual accounts show equity of €379k and a net result of €139k. Equity is growing by ~43.2% per year across the filed fiscal years. Its solvency ranks better than 63% of 789 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

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-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 17 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 25-08-2025, 25 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 4 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	25-08-2025	25 d late	2025-00398020
31-12-2023	31-07-2024	30-08-2024	30 d late	2024-00407603
31-12-2022	31-07-2023	09-08-2023	9 d late	2023-00320998
31-12-2021	31-07-2022	29-08-2022	29 d late	2022-20330594

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 signals

More than 3 years active

Founded in 2020, 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.6% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€139k+38.5%

Working capital€206k+18.8%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~24.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

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	35.6%	20.1%	better than 63% of 789 sector peers
Net result	€139k	€2k	better than 95% of 791 sector peers
Equity	€379k	€19k	better than 95% of 792 sector peers
Gross operating margin	€202k	€24k	better than 92% of 790 sector peers
Staff costs	€424	€21k	higher than 15% of 280 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P63

Stable position over 2021-2024 · n=250-789

Net result P95

Stable position over 2021-2024 · n=251-791

Equity P95

Improving position over 2021-2024 · n=252-792

Gross operating margin P92

Stable position over 2021-2024 · n=250-790

Describes the position versus peers, not a forecast.

EBITDA

€201k

+31.5% 21-24

Net profit

€139k

+38.5% 21-24

Cash flow

€148k

+37.3% 21-24

Total assets

€1.07M

+5.8% 21-24

Equity

€379k

+58.0% 21-24

Working capital

€206k

+18.8% 21-24

Staff costs

€424

+48.1% 21-24

Income taxes

€32k

+35.7% 21-24

Show 10 other metrics

Debt

€687k

-10.6% 21-24

Debt ≤ 1y

€86k

+1.7% 21-24

Debt > 1y

€601k

-12.1% 21-24

Current ratio

3.40

+11.3% 21-24

Quick ratio

3.40

+11.3% 21-24

Solvency

35.6%

+49.4% 21-24

Debt / equity

1.81

-43.4% 21-24

ROE

36.7%

-12.3% 21-24

ROA

13.1%

+30.9% 21-24

Interest coverage

9.57

+34.1% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€201k
Net profit	€139k
Cash flow	€148k
Staff costs	€424
Income taxes	€32k
Dividends	-
Total assets	€1.07M
Equity	€379k
Debt	€687k
of which ≤ 1y	€86k
of which > 1y	€601k
Working capital	€206k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	3.40
Quick ratio	3.40
Working capital ratio	19.3%
Solvency	35.6%
Debt / equity	1.81
Long-term debt ratio	1.59
Interest coverage	9.57
Gross margin	-
Net margin	-
ROA	13.1%
ROE	36.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €775k · 72.7% Current assets €291k · 27.3%

Equity & liabilities

Equity €379k · 35.6% Debt €687k · 64.4%

Full annual accounts (24 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	€1.07M
Fixed assets	21/28	€775k
Tangible fixed assets	22/27	€84k
Financial fixed assets	28	€691k
Current assets	29/58	€291k
Amounts receivable within one year	40/41	€239k
Investments	50/53	€9k
Cash & bank	54/58	€43k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.07M
Equity	10/15	€379k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€376k
Amounts payable	17/49	€687k
Amounts payable after one year	17	€601k
Amounts payable within one year	42/48	€86k
Trade debts payable within one year	44	€15k
Income statement
Gross operating margin	9900	€202k
Operating result	9901	€192k
Financial income	75	€63
Financial charges	65	€21k
Result before taxes	9903	€171k
Income taxes	67/77	€32k
Net result for the period	9904	€139k
Result to be appropriated	9905	€139k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

94 / 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.

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 Bank

Cannot 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.

Europark 10053530 Houthalen-Helchteren

Establishment units

1 location

strive

Europark 1005, 3530 Houthalen-HelchterenDetailhandel in dranken, algemeen assortiment

since 20202.309.538.425

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1.1 ha

Buildings1

Building footprint5,558 m²

Volume (LiDAR)33,170 m³

Tallest building8.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72015D0578/00W000	Flanders	1.1 ha	1 · 5,558 m²	8.3 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 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

Belgian State Gazette · acts

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

89 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 100

Solvency 78

Growth 78

Stability 94

Credit advice

verdict per customer and amount

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We hold annual accounts for 171 of the 1,489 companies in this sector. 61 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Fitnesscentra93130Activiteiten van fitnesscentra93130Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Sport- en recreatieonderwijs85510Sport- en recreatieonderwijs85510Ambulante revalidatieactiviteiten86905Activiteiten op het gebied van kinesitherapie86951

Primary activity highlighted.

Names & trade names

Legal nameNL

strive

Registered office

Europark 1005 bus 6

3530 Houthalen-Helchteren, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.