ADILMA
ActiveThe computed 12-month bankruptcy probability of ADILMA is 2.3% (moderate). The 2025 annual accounts show equity of €79k and a net result of €21k. Equity is growing by ~51.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 18016 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-4
Growth78=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.29 in 2024), and 75.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.6%
Return on assets
6.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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.
NBB · 4 filingsDeviation from the deadline
2025
28 d late
2024
3 d early
2023
44 d late
2022
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▲ 36.9%
2024 · €58k
2022: €9k
2023: €34k
2024: €58k
2022 → 2025
Total assets
€322k▲ 46.6%
2024 · €220k
2022: €18k
2023: €136k
2024: €220k
2022 → 2025
Net result
€21k▼ 10.4%
2024 · €24k
2022: €9k
2023: €25k
2024: €24k
2022 → 2025
Working capital
€67k▲ 40.6%
2024 · €48k
2022: €9k
2023: €33k
2024: €48k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€34k▲ 290%€58k▲ 70.1%€79k▲ 36.9%
Operating result€12k-€26k▲ 112%€24k▼ 5.7%€27k▲ 10.7%
Net result€9k-€25k▲ 190%€24k▼ 5.8%€21k▼ 10.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€12k▲ 19.7%
Current assets
€310k▲ 47.9%
Equity and liabilities €322k
Equity
€79k▲ 36.9%
Debt
€243k▲ 50.0%
The debt ratio rises from 73.7% to 75.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€30k▲
2024 · €25k
Cash flow
€25k▼
2024 · €25k
Solvency
24.6%▼
2024 · 26.3%
Current ratio
1.28▼
2024 · 1.29
Quick ratio
0.77▲
2024 · 0.57
Debt / equity
3.07▲
2024 · 2.80
ROE
27.0%▼
2024 · 41.2%
ROA
6.6%▼
2024 · 10.9%
Interest coverage
198.52▲
2024 · 136.18
Debt
€243k▲
2024 · €162k
Debt ≤ 1 year
€243k▲
2024 · €162k
Income taxes
€5k
Staff costs
€9k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€220k€322k▲
Fixed assets21/28€10k€12k▲
Tangible fixed assets22/27€10k€12k▲
Furniture and vehicles24€10k€12k▲
Current assets29/58€210k€310k▲
Stocks and contracts in progress3€117k€123k▲
Stocks30/36€117k€123k▲
Amounts receivable within one year40/41€79k€142k▲
Trade receivables40€79k€141k▲
Other amounts receivable41-€633
Cash at bank and in hand54/58€14k€46k▲
Equity and liabilities
Total equity and liabilities10/49€220k€322k▲
Equity10/15€58k€79k▲
Profit (loss) carried forward14€58k€79k▲
Amounts payable17/49€162k€243k▲
Amounts payable within one year42/48€162k€243k▲
Trade debts44€142k€225k▲
Suppliers440/4€142k€225k▲
Advances received on contracts in progress46€4k€5k▲
Taxes, remuneration and social security45€5k€13k▲
Taxes450/3€891€7k▲
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€12k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€311k
Remuneration, social security and pensions62€3k€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€100€7k▲
Gross operating margin9900€29k€46k▲
Operating profit (loss)9901€24k€27k▲
Financial income75/76B-€29
Recurring financial income75-€29
Financial charges65/66B€186€150▼
Recurring financial charges65€186€150▼
Profit (loss) for the period before taxes9903€24k€27k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€24k€21k▼
Profit (loss) for the period to be appropriated9905€24k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€79k▲
Profit (loss) brought forward from the previous period14P€34k€58k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
31-12
Financial
Highest result since 2022net €25k ▲190%
Net result €25k, the highest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-01-2023
Resigned as Director
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2022
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.
Stationsstraat(BEV) 1089120 Beveren-Kruibeke-ZwijndrechtGround area
843 m²
Building footprint
408 m²
Volume, LiDAR
4,514 m³
3 parcels, Brussels, Flanders · tallest building 18.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
JAD NUTS
since 20222.330.261.088
JAD NUTS
since 20232.352.165.470
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46502D0555/00P000 | Flanders | 611 m² | 1 · 191 m² | 13.2 m · 4 fl. |
| 21815D0154/00A006 | Brussels | 135 m² | 1 · 138 m² | 18.1 m · 4 fl. |
| 21305B0218/00E007 | Brussels | 96 m² | 1 · 80 m² | 15.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAnderlecht2.330.261.088
Brussel2.352.165.470
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BOUTIQUE SANTE
BE 0643.515.024
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TAIBA MARKET
BE 0763.594.490
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TATLI
BE 0798.220.918
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Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 4,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2022
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.