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A L F A

Active
Private limited company (pre-2019)founded 1998active for 27 yearsGuvelingen 81, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0464.643.757
Summary

A L F A has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €365,261 and a net result of €83,049. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 84% of 13,716 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 23-11-1998 Normal situation
Activity
Non-specialised wholesale trade NACE 46900and 1 other
Establishment unit
2.089.425.431 3800 Sint-Truiden, since 28-11-1998
Financial year end
31 December
Peppol
Reachable since 30-01-2025

Board and ownership

Board
  • TABRUYN SIMONDirector

Financial position

98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€121,817
▼ 49.4%
Turnover
≈ €610,000
estimated
Profit
€83,049
▼ 47.9%
Equity
€365,261
▲ 29.4%
Total assets
€440,917
▲ 24.4%
  • 2025 accounts filed 7 days after the deadline
Filed on 07-08-2026
Score breakdownlowers riskLiquidity: current ratio 5.50, cash €236,085Equity €365,261 (82.8% of total assets)Founded in 1998Figures for financial year 2025 (filed on 07-08-2026)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 87% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 82.8% of total assets
Liquidity 96+2
short-term debt 17.2% · cash 53.5%
Profitability 92-8
return on assets 18.8%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.2%▲ +0.1 percentage points vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025highest value 06-2025: < 0.1%▼ -0.2 percentage points vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.5 (4.47 in 2024), above the usual 1.5. Short-term debt is 17.2% and cash 53.5% of total assets. 17.2% 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 46, micro). It does better than 90% of them on solvency, 93% on liquidity, 86% on profitability and 81% on growth.

The bankruptcy probability was computed on 01-11-2026 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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 5.50, cash €236,085
NBB · annual accounts
lowers risk · Equity €365,261 (82.8% of total assets)
NBB · annual accounts
lowers risk · Founded in 1998
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 07-08-2026)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €365,261
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
7 days late
2024
73 days early
2023
62 days early
2022
8 days early
2021
64 days early
2020
10 days late
2019
1 day late
← 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 27 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 May (4 of the last 5 accounts filed within 53 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 92% of companies in wholesale tradesector median €5,660 · 13,722 companies €83,049 View
  • Caution: Result fell in 2025from €159,306 to €83,049 ▼ 47.9% View
  • Positive: 7 profitable years in a rowprofit 2025: €83,049 7 years View

Comparable companies

These companies have the same main activity as A L F A: non-specialised wholesale trade (NACE 46900). They are comparable in size and age: total assets between €348,000 and €566,000, founded between 1997 and 2000.

CompanyTotal assetsGross margin
A L F A Sint-Truiden€440,917€121,817
KWIMEX TRADING COMPANY Hechtel-Eksel€520,223€120,303
NEW KRISCO Dinant€425,737€126,379
WIBO Belgium Ichtegem€441,990€120,840
RUMAH Rumst€566,079€113,303
ELAUT PRODUCTS Kluisbergen€429,561€92,197
DEFISH AQUARIUMS Namur€347,732€103,567
Full comparison

Key facts about A L F A

What is the company number of A L F A?
The company number of A L F A is 0464.643.757. The VAT number is the same number with BE in front: BE 0464.643.757.
Where is A L F A based?
The registered office is at Guvelingen 81, 3800 Sint-Truiden.Company details
What does A L F A do?
According to the KBO register, the main activity is non-specialised wholesale trade (NACE 46900).
What is the legal form of A L F A?
The legal form of A L F A is Private limited company (pre-2019) (BVBA).
When was A L F A founded?
A L F A was founded on 23-11-1998.
Is A L F A still active?
Yes, A L F A is an active enterprise in the KBO register.
What is the turnover of A L F A?
The turnover in financial year 2025 is ≈ €610,000. This figure is estimated from the gross margin of €121,817 and 58 comparable companies (NACE 46). It probably lies between €300,000 and €1.1m. In financial year 2019 turnover was €141,634.Financials
Is A L F A profitable?
In financial year 2025, A L F A made a profit of €83,049.
Where can I find the annual accounts of A L F A?
A L F A filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of A L F A due?
A L F A must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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