Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of TechnoGSM is 4.0% (moderate). The 2023 annual accounts show equity of €6k and a net result of €3k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 57% of 1842 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 384 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 26-12-2024, 148 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 7 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 31-12-2023, that is 31-07-2024.
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 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 26-12-2024 | 148 d late | 2024-00625154 |
| 31-12-2022 | 31-07-2023 | 23-09-2023 | 54 d late | 2023-00452106 |
| 31-12-2021 | 31-07-2022 | 22-09-2022 | 53 d late | 2022-20433514 |
| 31-12-2020 | 31-07-2021 | 19-11-2021 | 111 d late | 2021-77800592 |
| 31-12-2019 | 31-07-2020 | 19-11-2021 | 476 d late | 2021-77800479 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-59400484 |
| 31-12-2017 | 31-07-2018 | 31-08-2018 | 31 d late | 2018-60300413 |
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 2017, 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 everyone4.0%
Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Higher-failure-rate region
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€109k-18.3%
EBIT margin-12.2%-22.5pp
Net result€3k
Working capital€6k+75.6%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 26-12-2024 with the NBB · fiscal year 2023 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~6%/year over 6 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 2023 · NACE 49, Land transport · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 35.5% | 28.4% | |
| Net result | €3k | €4k | |
| Equity | €6k | €16k | |
| Gross operating margin | €3k | €25k | |
| Total assets | €18k | €65k |
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).
P57
Improving position over 2020-2023
· n=502-1842
P46
Stable position over 2020-2023
· n=499-1820
P33
Stable position over 2020-2023
· n=502-1853
P21
Stable position over 2020-2023
· n=497-1808
Describes the position versus peers, not a forecast.
€109k
-18.3%
18-23
€-11k
-
18-23
€3k
-
18-23
€-11k
-
18-23
€18k
+149.6%
18-23
€6k
+75.6%
18-23
€6k
+75.6%
18-23
€2k
-
18-23
Show 11 other metrics
€12k
+224.9%
18-23
€12k
+224.9%
18-23
1.55
-23.2%
18-23
1.55
-13.4%
18-23
35.5%
-29.6%
18-23
1.82
+85.0%
18-23
43.1%
-
18-23
15.3%
-
18-23
-12.4%
-
18-23
-9.7%
-
18-23
-54.16
-
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €3k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €18k |
| Equity | €6k |
| Debt | €12k |
| of which ≤ 1y | €12k |
| of which > 1y | - |
| Working capital | €6k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.55 |
| Quick ratio | 1.55 |
| Working capital ratio | 35.5% |
| Solvency | 35.5% |
| Debt / equity | 1.82 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 15.3% |
| ROE | 43.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €18k |
| Fixed assets | 21/28 | €0 |
| Tangible fixed assets | 22/27 | €0 |
| Current assets | 29/58 | €18k |
| Amounts receivable within one year | 40/41 | €13k |
| Cash & bank | 54/58 | €6k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €18k |
| Equity | 10/15 | €6k |
| Contributions / capital | 10/11 | €14k |
| Reserves | 13 | €677 |
| Accumulated profits (losses) | 14 | €-8k |
| Amounts payable | 17/49 | €12k |
| Amounts payable within one year | 42/48 | €12k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €3k |
| Operating result | 9901 | €3k |
| Financial charges | 65 | €170 |
| Result before taxes | 9903 | €3k |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed86
/ 100
Excellent
Computed from 4 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 2023. Indicative, not credit advice.
Directors
Directors & mandates
1 director4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
EL HAMRI TAREKDirectorState Gazette act 22127964 (27-10-2022)Current18-10-2022 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Diensten voor personenvervoer op aanvraag per voertuig met chauffeur(49330) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 03-02-2017 |
| Status | Active |
| Postal code | 1040 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationTechnoGSM
since 20172.261.495.414
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area158 m²
Buildings1
Building footprint89 m²
Volume (LiDAR)1,018 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.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0193/02A002 | Brussels | 158 m² | 1 · 89 m² | 14.1 m · 4 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
Belgisch Staatsblad · acts
2 acts Capital history · 1
27-10-2022
Capital change
Address history · 1
16-06-2023
Registered-office move
All acts · 2
updated 3 years ago
2023
16-06-2023 Registered office moved from MOLENBEEK-SAINT-JEAN to ETTERBEEK
- RUE ANGLAISE 10 à 1080 MOLENBEEK-SAINT-JEAN → PLACE DU RINSDELLE 17 à 1040 ETTERBEEK
2022
27-10-2022 Transaction in capital or shares
Analysis
Financial profile
5 of 5 axes measured88
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
100
Solvency
68
Growth
85
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 792 of the 6,622 companies in this sector. 705 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Personenvervoer over de weg zonder dienstregeling49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in andere motorvoertuigen (> 3,5 ton)47812Detailhandel in ICT-apparatuur47400Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels47410Overig personenvervoer te land, n.e.g.49390Draadgebonden en draadloze telecommunicatie en telecommunicatie via satelliet61100Draadloze telecommunicatie61200Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110Reparatie en onderhoud van computers en communicatieapparatuur95100Reparatie van computers en randapparatuur95110
Primary activity highlighted.
Names & trade names
| Legal nameFR | TechnoGSM |
Registered office
Rinsdelleplein 17
1040 Etterbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.