AL-TERRE-NATIVE
ActiveSummary
AL-TERRE-NATIVE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €124,603 and a net result of €34,575. Equity is growing by ~20.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability76▼-2
Solvency45▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.46 in 2023; short-term debt: 22.5% and cash: 4.9% of total assets), and 79.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
20.1%
Return on assets
5.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
42 d early
2023
22 d early
2022
21 d early
2021
3 d early
2020
46 d early
2019
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 10 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Equity
€124,603▲ 38.4%
2023 · €90,028
Total assets
€620,700▼ 3.5%
2023 · €643,212
Net result
€34,575▼ 30.1%
2023 · €49,494
Working capital
-€59,140▲ 33.9%
2023 · -€89,476
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€2,585▼ 91.9%-€11,199€15,802€58,901▲ 273%€42,566▼ 27.7%
Net result-€2,237below the sector's middle half-€16,466below the sector's middle half▼ 636%€3,086within the sector's middle half€49,494above the sector's middle half▲ 1,504%€34,575above the sector's middle half▼ 30.1%
Equity€53,915within the sector's middle half▼ 4.0%€37,449within the sector's middle half▼ 30.5%€40,535within the sector's middle half▲ 8.2%€90,028within the sector's middle half▲ 122%€124,603above the sector's middle half▲ 38.4%
Total assets€110,545within the sector's middle half▼ 13.9%€440,159above the sector's middle half▲ 298%€638,521above the sector's middle half▲ 45.1%€643,212above the sector's middle half▲ 0.7%€620,700above the sector's middle half▼ 3.5%
Debt€56,629▼ 21.6%€402,710▲ 611%€597,986▲ 48.5%€553,184▼ 7.5%€496,098▼ 10.3%
Working capital€13,707within the sector's middle half▲ 3.7%-€108,552below the sector's middle half-€133,725below the sector's middle half▼ 23.2%-€89,476below the sector's middle half▲ 33.1%-€59,140below the sector's middle half▲ 33.9%
Solvency48.8%within the sector's middle half▲ 5.0pp8.5%within the sector's middle half▼ 40.3pp6.3%within the sector's middle half▼ 2.2pp14.0%within the sector's middle half▲ 7.6pp20.1%within the sector's middle half▲ 6.1pp
Current ratio1.30within the sector's middle half▲ 0.050.36below the sector's middle half▼ 0.940.26below the sector's middle half▼ 0.100.46below the sector's middle half▲ 0.200.58below the sector's middle half▲ 0.12
Return on assets (ROA)-2.0%below the sector's middle half▼ 19.0pp-3.7%below the sector's middle half▼ 1.7pp0.5%within the sector's middle half▲ 4.2pp7.7%within the sector's middle half▲ 7.2pp5.6%within the sector's middle half▼ 2.1pp
Staff (FTE)1.6within the sector's middle half▲ 14.3%1.2
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 28% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €620,700
Fixed assets
€539,973 ▼ 4.7%
Current assets
€80,728 ▲ 5.3%
Equity and liabilities €620,700
Equity
€124,603 ▲ 38.4%
Debt
€496,098 ▼ 10.3%
Debt's share of the balance-sheet total falls from 86.0% to 79.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73,552▼
2023 · €91,535
Cash flow
€65,561▼
2023 · €82,128
Quick ratio
0.22▼
2023 · 0.22
Debt to equity
3.98▼
2023 · 6.14
ROE
27.7%▼
2023 · 55.0%
Interest coverage
7.50▼
2023 · 8.68
Debt ≤ 1 year
€139,868▼
2023 · €166,115
Debt > 1 year
€356,230▼
2023 · €387,070
Income taxes
€7,609
Staff costs
€45,280▼
2023 · €50,802
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.4%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,053 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €65,106 | €59,792 | €50,802 | €45,280 | ▼ 10.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,170 | €17,201 | €28,840 | €32,634 | €30,986 | ▼ 5.0% |
| Other operating charges640/8 | - | €1,817 | €2,383 | €4,242 | €2,237 | ▼ 47.3% |
| Gross operating margin9900 | €66,183 | €72,924 | €106,817 | €146,578 | €121,069 | ▼ 17.4% |
| Operating profit (loss)9901 | €2,585 | -€11,199 | €15,802 | €58,901 | €42,566 | ▼ 27.7% |
| Financial income75/76B | - | €1,394 | €109 | €1,141 | €9,419 | ▲ 725% |
| Recurring financial income75 | €1,207 | €1,394 | €109 | €1,141 | €9,419 | ▲ 725% |
| Financial charges65/66B | - | €6,661 | €12,821 | €10,548 | €9,801 | ▼ 7.1% |
| Recurring financial charges65 | €6,030 | €6,661 | €12,821 | €10,548 | €9,801 | ▼ 7.1% |
| Profit (loss) for the period before taxes9903 | -€2,237 | -€16,466 | €3,090 | €49,494 | €42,184 | ▼ 14.8% |
| Income taxes67/77 | - | €0 | €4 | - | €7,609 | - |
| Profit (loss) for the period9904 | -€2,237 | -€16,466 | €3,086 | €49,494 | €34,575 | ▼ 30.1% |
| Profit (loss) for the period to be appropriated9905 | -€2,237 | -€16,466 | €3,086 | €49,494 | €34,575 | ▼ 30.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €110,545 | €440,159 | €638,521 | €643,212 | €620,700 | ▼ 3.5% |
| Fixed assets21/28 | €50,519 | €379,127 | €591,815 | €566,574 | €539,973 | ▼ 4.7% |
| Intangible fixed assets21 | €1,125 | €563 | - | - | - | - |
| Tangible fixed assets22/27 | €45,891 | €375,061 | €591,311 | €566,071 | €539,469 | ▼ 4.7% |
| Land and buildings22 | - | €337,712 | €554,376 | €539,670 | €519,234 | ▼ 3.8% |
| Plant, machinery and equipment23 | - | €37,349 | €36,936 | €26,401 | €19,365 | ▼ 26.7% |
| Furniture and vehicles24 | - | - | - | - | €870 | - |
| Financial fixed assets28 | €3,503 | €3,503 | €503 | €503 | €503 | = |
| Current assets29/58 | €60,026 | €61,032 | €46,706 | €76,638 | €80,728 | ▲ 5.3% |
| Stocks and contracts in progress3 | €44,925 | €45,972 | €36,750 | €39,431 | €50,585 | ▲ 28.3% |
| Stocks30/36 | - | €45,972 | €36,750 | €39,431 | €50,585 | ▲ 28.3% |
| Amounts receivable within one year40/41 | €4,210 | €2,597 | €2,510 | €1,346 | - | - |
| Trade receivables40 | - | €97 | €2,510 | €1,346 | - | - |
| Other amounts receivable41 | - | €2,500 | - | - | - | - |
| Cash at bank and in hand54/58 | €9,280 | €10,830 | €7,446 | €35,861 | €30,142 | ▼ 15.9% |
| Deferred charges and accrued income490/1 | - | €1,633 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €110,545 | €440,159 | €638,521 | €643,212 | €620,700 | ▼ 3.5% |
| Equity10/15 | €53,915 | €37,449 | €40,535 | €90,028 | €124,603 | ▲ 38.4% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €22,000 | €22,000 | = |
| Capital10 | - | €20,000 | €20,000 | - | - | - |
| Issued capital100 | - | €20,000 | €20,000 | - | - | - |
| Outside capital11 | - | - | - | €22,000 | €22,000 | = |
| Share premium1100/10 | - | - | - | €22,000 | €22,000 | = |
| Reserves13 | €32,000 | €17,000 | €17,000 | €65,000 | €95,000 | ▲ 46.2% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | - | - | - |
| Legal reserve130 | - | €2,000 | €2,000 | - | - | - |
| Distributable reserves133 | - | €15,000 | €15,000 | €65,000 | €95,000 | ▲ 46.2% |
| Profit (loss) carried forward14 | €1,915 | €449 | €3,535 | €3,028 | €7,603 | ▲ 151% |
| Amounts payable17/49 | €56,629 | €402,710 | €597,986 | €553,184 | €496,098 | ▼ 10.3% |
| Amounts payable after more than one year17 | €10,311 | €233,126 | €417,555 | €387,070 | €356,230 | ▼ 8.0% |
| Financial debts170/4 | - | €233,126 | €417,555 | €387,070 | €356,230 | ▼ 8.0% |
| Amounts payable within one year42/48 | €46,318 | €169,584 | €180,431 | €166,115 | €139,868 | ▼ 15.8% |
| Current portion of amounts payable after more than one year42 | - | €23,903 | €31,864 | €30,485 | €30,840 | ▲ 1.2% |
| Trade debts44 | €10,413 | €31,446 | €26,148 | €22,073 | €22,761 | ▲ 3.1% |
| Suppliers440/4 | - | €31,446 | €26,148 | €22,073 | €22,761 | ▲ 3.1% |
| Advances received on contracts in progress46 | - | - | €2,483 | €929 | - | - |
| Taxes, remuneration and social security45 | - | €17,690 | €23,560 | €21,415 | €10,321 | ▼ 51.8% |
| Taxes450/3 | - | €2,663 | €3,700 | €7,928 | €5,725 | ▼ 27.8% |
| Remuneration and social security454/9 | - | €15,028 | €19,859 | €13,487 | €4,597 | ▼ 65.9% |
| Other amounts payable47/48 | - | €96,545 | €96,377 | €91,212 | €75,946 | ▼ 16.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,237 | -€16,466 | €3,086 | €49,494 | €34,575 | ▼ 30.1% |
| + Depreciation and write-downs630 | €16,170 | €17,201 | €28,840 | €32,634 | €30,986 | ▼ 5.0% |
| Operating cash flow (approximation) | €13,932 | €735 | €31,926 | €82,128 | €65,561 | ▼ 20.2% |
| Investment in fixed assets (approximation) | - | -€345,809 | -€241,528 | -€7,393 | -€4,385 | ▲ 40.7% |
| Change in cash | - | €1,550 | -€3,385 | €28,416 | -€5,719 | ▼ 120% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-09
State Gazette act
Resignation: RUFFO de BONNEVAL de la FARE des COMTES de SINOPOLI de CALABRE Laetitia Marie Cécile Olivia (director)Director discharge4 facts ▸
State Gazette act
Resignation: RUFFO de BONNEVAL de la FARE des COMTES de SINOPOLI de CALABRE Laetitia Marie Cécile Olivia (director)
Director discharge4 facts ▸
- General meeting, 30-06-2026
- Director resignation, RUFFO de BONNEVAL de la FARE des COMTES de SINOPOLI de CALABRE Laetitia Marie Cécile Olivia (director)
- Director discharge, RUFFO de BONNEVAL de la FARE des COMTES de SINOPOLI de CALABRE Laetitia Marie Cécile Olivia (director)
- Other statement, procès-verbal drawn up in two copies, 2
18-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €124,603 ▲38.4%
3 profitable years in a row build equity to €124,603.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €49,494 ▲1,504%
Operating result €58,901, net result €49,494, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3,086
Net result €3,086 after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€16,466
Net result drops to -€16,466, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company in the Gazette acts read. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sombreffe · 1 establishment unit since 2018
Ground area
489 m²
Building footprint
213 m²
Volume, LiDAR
1,588 m³
Parcel 92126B0929/00C000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AL-TERRE-NATIVE
since 20182.270.596.190
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92126B0929/00C000 | Wallonia | 489 m² | 1 · 213 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| RUFFO de BONNEVAL de la FARE des COMTES de SINOPOLI de CALABRE Laetitia Marie Cécile Olivia |
|
Recognitions · licences · registrations
Food safety, FASFC
1 siteSombreffe2.270.596.190
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Of 2,471 companies in this sector we hold annual accounts for 950. 750 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded06-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
Contact
E-mail
epicerie.alterrenative@gmail.comSombreffe
Phone
0473/27.51.72Sombreffe
E-invoicing
Reachable via Peppol
Peppol ID
0208:0842474989
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.