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ALBA2RO

Active
Private limited companyfounded 20196 yrs activeRue de la Ramonerie, Bos. 47, 5032 Gembloux, BelgiumKBO/BCE: BE 0738.728.937
Summary

ALBA2RO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,144 and a net result of €170,786. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 13% of 4652 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
ALBA2ROActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of pharmaceutical products
NACE 47730
1 site
Size
€1.2mtotal assets 2025
Equity
€11,144
Profit
€170,786
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.7%
Structure
Holdings
1
Accounts 112 d early0 of 3 deeds read
Why 68- Equity €11,144 (0.9% of total assets)- Sector Retail trade (NACE 47)- Founded in 2019+ Size: total assets €1.2mShow the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 32% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 26-11
equity 0.9% of total assets
Liquidity 26-12
short-term debt 53.9% · cash 2.7%
Profitability 86+11
return on assets 13.7%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%▼ -0.8% vs 12-2024 02-2025: 0.5%▲ +0.6% vs 01-2025 03-2025: 0.5%▼ -3.3% vs 02-2025lowest value 04-2025: 0.5%▲ +10.2% vs 03-2025 05-2025: 0.6%▲ +14.5% vs 04-2025 06-2025: 0.7%▲ +14.9% vs 05-2025 07-2025: 0.7%▲ +0.6% vs 06-2025 08-2025: 0.7%▼ -3.4% vs 07-2025 09-2025: 0.7%● 0.0% vs 08-2025 10-2025: 0.7%● 0.0% vs 09-2025 11-2025: 0.7%▲ +1.4% vs 10-2025 12-2025: 0.7%● 0.0% vs 11-2025 01-2026: 0.7%▼ -0.6% vs 12-2025 02-2026: 0.7%▲ +5.0% vs 01-2026 03-2026: 0.6%▼ -6.5% vs 02-2026 04-2026: 0.7%▲ +6.4% vs 03-2026 05-2026: 0.7%▲ +6.1% vs 04-2026 06-2026: 0.7%● 0.0% vs 05-2026 07-2026: 0.7%● 0.0% vs 06-2026 08-2026: 0.7%▲ +1.2% vs 07-2026 09-2026: 0.7%▲ +0.3% vs 08-2026 10-2026: 0.7%▲ +1.2% vs 09-2026highest value
  • Size: total assets €1.2m lowers the probability for this profile
  • Equity €11,144 (0.9% of total assets) raises the probability
  • Sector Retail trade (NACE 47) raises the probability
  • Founded in 2019 raises the probability for this profile
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.3 against 0.23 in 2024; short-term debt: 53.9% and cash: 2.7% of total assets), and 99.1% 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 47, micro). Better than this share of them on solvency 20%, liquidity 23%, profitability 80%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Equity €11,144 (0.9% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Founded in 2019
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 4652 sector peers (2025).
NBB · sector comparison
Position among 4652 sector peers
Solvency
better than 13%
← weakest strongest →
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 10-04-2026, 112 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
112 d early
2024
51 d early
2023
49 d early
2022
56 d early
2021
54 d early
2020
53 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 63 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 7 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Highest result since 2020net €170,786 ▲208%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: Equity fell in 2025from €140,358 to €11,144 ▼ 92.1% View
  • Caution: Among the weakest 14% on solvencysector median 36.1% · 4,652 companies 0.9% View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 6 profitable years in a rowprofit 2025: €170,786 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Profit
€170,786
Solvency
0.9%
Total assets▲ 10.4%
Net result
20202025
Go to Financials

Timeline

Events
9
Since
2021
Next accounts
by 31-07-2027
  1. 10-04-2026Annual accounts filed
  2. 31-12-2025Highest result since 2020
  3. 10-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of pharmaceutical productsNACE 47730
Founded
04-12-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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