ALB SPEED

Active

Private limited companyfounded 20233 yrs activeLouis Marcxstraat 22/b003, 1160 Oudergem, BelgiumKBO/BCE: BE 0801.784.677

Summary

The computed 12-month bankruptcy probability of ALB SPEED is 2.5% (moderate). The 2025 annual accounts show equity of €35,359 and a net result of €12,176. Its solvency ranks better than 40% of 5080 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

ALB SPEEDActiveChecked score 54/100

Risk analysis Report Compare

Activity

Freight transport by road

NACE 49410

#10 company by total assets in Oudergem, Transport and storage sector1 site

Size

€123,380total assets 2025

Equity: €35,359
Profit: €12,176

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 2.5%

Structure

Accounts filed 31 d late0 of 1 deed read

Why 54- Founded in 2023- Sector Land transport and transport via pipelines (NACE 49)- Latest accounts 31 days late; 2 of the last 3 late+ Liquidity: current ratio 1.42, cash €56,516Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 67% of its sector peers (NACE 49, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 54+1

equity 28.7% of total assets

Liquidity 71+10

short-term debt 56.1% · cash 45.8%

Profitability 81-19

return on assets 9.9%

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 2.0% (8,980 companies)

Last 15 months 08-2025: 5.4%highest value 09-2025: 5.4%● 0.0% vs 08-2025highest value 10-2025: 5.4%● 0.0% vs 09-2025highest value 11-2025: 5.4%● 0.0% vs 10-2025highest value 12-2025: 3.3%▼ -40.2% vs 11-2025 01-2026: 3.2%▼ -2.6% vs 12-2025 02-2026: 3.2%● 0.0% vs 01-2026 03-2026: 3.2%▲ +0.2% vs 02-2026 04-2026: 3.1%▼ -1.3% vs 03-2026 05-2026: 3.1%▼ -1.1% vs 04-2026 06-2026: 3.1%▲ +0.4% vs 05-2026 07-2026: 3.2%▲ +1.2% vs 06-2026 08-2026: 4.2%▲ +34.4% vs 07-2026 09-2026: 2.5%▼ -42.1% vs 08-2026lowest value 10-2026: 2.5%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 1.42, cash €56,516 lowers the probability
Founded in 2023 raises the probability for this profile
Sector Land transport and transport via pipelines (NACE 49) raises the probability
Latest accounts 31 days late; 2 of the last 3 late raises the probability

Credit up to €1,500 at 30 days acceptable

Liquidity tight (current ratio 1.42 against 1.38 in 2024; short-term debt: 56.1% and cash: 45.8% of total assets), and 71.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 49, micro). Better than this share of them on solvency 40%, liquidity 77%, profitability 67%, growth against the median 82%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.42, cash €56,516

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Land transport and transport via pipelines (NACE 49)

In the bankruptcy model this factor raises the probability.

KBO

Latest accounts 31 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filings

Deviation from the deadline

2025

31 d late

2024

96 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 64 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

31-08-26 Annual accounts filedfiscal year 2025 · micro…
04-11-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Positive: Company by total assets in Oudergem, Transport and…in the Checked rankings #10 View
Total assets 20252 fiscal years filed €123,380 View
Active since 2023founded 15-05-2023 3 years View