ALBO
ActiveSummary
ALBO has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.63M and a net result of €273k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+1
Solvency84▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 2.36 against 1.95 in 2024; short-term debt: 39.1% and cash: 8.9% of total assets), and 41% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
59%
Return on assets
9.9%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-01-2026, 112 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
112 d early
2024
103 d early
2023
1 d early
2022
31 d early
2021
65 d early
2020
on the day
2019
83 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€9.57M▼ 12.5%
2018 · €10.93M
2018: €10.93M
2018 → 2019
EBIT margin
0.1%▼ 0.3pp
2018 · 0.4%
2018: 0.4%
2018 → 2019
Net result
€273k▲ 9.6%
2024 · €249k
2018: €2k
2019: €-19k
2020: €22k
2021: €29k
2022: €174k
2023: €171k
2024: €249k
2018 → 2025
Working capital
€1.48M▲ 19.0%
2024 · €1.24M
2018: €996k
2019: €843k
2020: €799k
2021: €1.39M
2022: €1.39M
2023: €1.30M
2024: €1.24M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.18M-€1.26M▲ 7.6%€1.23M▼ 2.4%€1.36M▲ 10.0%€1.63M▲ 20.1%
Operating result€100k-€261k▲ 161%€266k▲ 1.9%€378k▲ 42.0%€402k▲ 6.3%
Net result€29k-€174k▲ 507%€171k▼ 1.9%€249k▲ 45.9%€273k▲ 9.6%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.77M
Fixed assets
€207k ▼ 26.2%
Current assets
€2.56M ▲ 0.5%
Equity and liabilities €2.77M
Equity
€1.63M ▲ 20.1%
Debt
€1.13M ▼ 22.7%
Debt's share of the balance-sheet total falls from 52.0% to 41.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€479k▲
2024 · €456k
Cash flow
€350k▲
2024 · €326k
Current ratio
2.36▲
2024 · 1.95
Quick ratio
1.24▲
2024 · 1.03
Debt to equity
0.70▼
2024 · 1.08
ROE
16.7%▼
2024 · 18.3%
ROA
9.9%▲
2024 · 8.8%
Interest coverage
25.39▲
2024 · 10.88
Debt ≤ 1 year
€1.08M▼
2024 · €1.30M
Debt > 1 year
€53k▼
2024 · €164k
Income taxes
€111k▲
2024 · €97k
Staff costs
€943k▼
2024 · €1.05M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.83M€2.77M▼
Fixed assets21/28€281k€207k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€216k€142k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€51k€32k▼
Furniture and vehicles24€162k€110k▼
Financial fixed assets28€65k€65k=
Current assets29/58€2.55M€2.56M▲
Amounts receivable after more than one year29€295k€221k▼
Other amounts receivable291€295k€221k▼
Stocks and contracts in progress3€1.21M€1.21M▲
Stocks30/36€1.21M€1.21M▲
Amounts receivable within one year40/41€705k€743k▲
Trade receivables40€589k€526k▼
Other amounts receivable41€116k€217k▲
Cash at bank and in hand54/58€175k€245k▲
Deferred charges and accrued income490/1€162k€133k▼
Equity and liabilities
Total equity and liabilities10/49€2.83M€2.77M▼
Equity10/15€1.36M€1.63M▲
Contributions10/11€482k€482k=
Capital10€482k€482k=
Issued capital100€482k€482k=
Reserves13€138k€138k=
Non-distributable reserves130/1€48k€48k=
Legal reserve130€48k€48k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€88k€88k=
Profit (loss) carried forward14€738k€1.01M▲
Amounts payable17/49€1.47M€1.13M▼
Amounts payable after more than one year17€164k€53k▼
Financial debts170/4€164k€53k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€1.30M€1.08M▼
Current portion of amounts payable after more than one year42€172k€133k▼
Trade debts44€808k€795k▼
Suppliers440/4€808k€795k▼
Taxes, remuneration and social security45€198k€154k▼
Taxes450/3€36k€47k▲
Remuneration and social security454/9€162k€107k▼
Other amounts payable47/48€126k€0▼
Income statement
Code20242025
Non-recurring operating income76A€7k€23k▲
Remuneration, social security and pensions62€1.05M€943k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€77k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€485€18k▲
Other operating charges640/8€36k€40k▲
Non-recurring operating charges66A€3k€2k▼
Gross operating margin9900€1.54M€1.48M▼
Operating profit (loss)9901€378k€402k▲
Financial income75/76B€10k€929▼
Recurring financial income75€10k€929▼
Non-recurring financial income76B€0-
Financial charges65/66B€42k€19k▼
Recurring financial charges65€42k€19k▼
Profit (loss) for the period before taxes9903€346k€384k▲
Income taxes67/77€97k€111k▲
Profit (loss) for the period9904€249k€273k▲
Profit (loss) for the period to be appropriated9905€249k€273k▲
Appropriation of the result
Profit (loss) to be appropriated9906€864k€1.01M▲
Profit (loss) brought forward from the previous period14P€615k€738k▲
Profit to be distributed694/7€126k€0▼
Return on contributions (dividend)694€126k€0▼
Social balance
Average headcount (FTE)908717.416.5▼
The notes to these accounts (23 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €273k ▲9.6%
Operating result €402k, net result €273k, both a record.
17-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
07-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €-19k ▼1135%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
21-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 2 establishment units since 1974
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.
Frans van Dunlaan 632610 AntwerpenGround area
9,098 m²
Building footprint
5,388 m²
Volume, LiDAR
37,659 m³
3 parcels, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Struisbeeklaan 10 1, 2610 Antwerpen
since 19742.008.978.579
Kontichsesteenweg 58, 2630 Aartselaar
since 19742.142.813.835
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0080/00B000 | Flanders | 6,188 m² | 1 · 3,325 m² | 8.3 m · 2 fl. |
| 11051C0236/00Y018 | Flanders | 2,781 m² | 1 · 1,934 m² | 14.0 m · 3 fl. |
| 11051C0232/00W009indicative | Flanders | 129 m² | 1 · 129 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 912 EUR awarded · 912 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 287 EUR | 287 EUR |
| 2023 | 1 | 625 EUR | 625 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAartselaar2.142.813.835
Antwerpen2.008.978.579
Similar companies · same sector, comparable size
Dranken Vandewoude
BE 0423.099.449
Veurne · Eq €1,631,842
ALLIED VINTNERS INTERNATIONAL
BE 0456.728.953
Beveren-Kruibeke-Zwijndrecht · Eq €1,632,266
BELGIAN EAST WINE
BE 0862.720.671
Verviers · Eq €1,626,333
BELGIAN BEVERAGES
BE 0869.596.090
Beveren-Kruibeke-Zwijndrecht · Eq €1,619,443
BLOMOR
BE 0416.611.634
Schoten · Eq €1,609,361
Of 1,581 companies in sector 46349 we hold annual accounts for 987. 524 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-12-1973
Fiscal year end30-09
Activities, NACEBEL 2025
46349Wholesale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.