ALBOTEX
ActiveSummary
ALBOTEX has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157,929 and a net result of -€57,550. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 89% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-56
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 6.57 against 3.01 in 2024; short-term debt: 10.4% and cash: 53.4% of total assets), and 10.8% 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
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 · 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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€57,550
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
4 d early
2023
18 d early
2022
4 d early
2021
2 d early
2020
on the day
2019
on the day
← 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 11 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€157,929▼ 26.7%
2024 · €215,479
Total assets
€177,107▼ 35.8%
2024 · €275,871
Net result
-€57,550▼ 247%
2024 · -€16,593
Working capital
€102,413▼ 13.5%
2024 · €118,418
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,893▼ 32.9%€14,633▲ 64.6%€16,115▲ 10.1%-€11,454-€55,034▼ 380%
Net result€1,591within the sector's middle half▼ 71.6%€2,861within the sector's middle half▲ 79.8%€3,198within the sector's middle half▲ 11.8%-€16,593below the sector's middle half-€57,550below the sector's middle half▼ 247%
Equity€228,467above the sector's middle half▲ 0.3%€230,528above the sector's middle half▲ 0.9%€232,072above the sector's middle half▲ 0.7%€215,479above the sector's middle half▼ 7.1%€157,929within the sector's middle half▼ 26.7%
Total assets€277,720within the sector's middle half▲ 3.1%€297,457within the sector's middle half▲ 7.1%€274,027within the sector's middle half▼ 7.9%€275,871within the sector's middle half▲ 0.7%€177,107within the sector's middle half▼ 35.8%
Debt€49,252▲ 18.2%€66,929▲ 35.9%€41,955▼ 37.3%€60,392▲ 43.9%€19,178▼ 68.2%
Working capital€65,768▲ 15.0%€75,376▲ 14.6%€99,072▲ 31.4%€118,418▲ 19.5%€102,413▼ 13.5%
Solvency82.3%above the sector's middle half▼ 2.3pp77.5%above the sector's middle half▼ 4.8pp84.7%above the sector's middle half▲ 7.2pp78.1%above the sector's middle half▼ 6.6pp89.2%above the sector's middle half▲ 11.1pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale 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 stays negative: a loss of €55,034 in 2025 against €11,454 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177,107
Fixed assets
€56,316 ▼ 42.9%
Current assets
€120,792 ▼ 31.9%
Equity and liabilities €177,107
Equity
€157,929 ▼ 26.7%
Debt
€19,178 ▼ 68.2%
Debt's share of the balance-sheet total falls from 21.9% to 10.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€12,792▼
2024 · €32,280
Cash flow
-€15,307▼
2024 · €27,141
Current ratio
6.57▲
2024 · 3.01
Quick ratio
6.14▲
2024 · 2.59
Debt to equity
0.12▼
2024 · 0.28
ROE
-36.4%▼
2024 · -7.7%
ROA
-32.5%▼
2024 · -6.0%
Interest coverage
-6.07▼
2024 · 5.32
Debt ≤ 1 year
€18,378▼
2024 · €58,894
Income taxes
€526▲
2024 · €517
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,827 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
14%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 5,827 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,462 | €38,715 | €43,168 | €43,734 | €42,243 | ▼ 3.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | -€3,756 | - |
| Other operating charges640/8 | €3,236 | €4,032 | €6,928 | €3,720 | €10,034 | ▲ 170% |
| Gross operating margin9900 | €45,591 | €57,380 | €66,211 | €36,001 | -€6,514 | ▼ 118% |
| Operating profit (loss)9901 | €8,893 | €14,633 | €16,115 | -€11,454 | -€55,034 | ▼ 380% |
| Financial income75/76B | €1,951 | €14 | €115 | €1,451 | €119 | ▼ 91.8% |
| Recurring financial income75 | €1,951 | €14 | €115 | €1,451 | €119 | ▼ 91.8% |
| Financial charges65/66B | €7,968 | €9,867 | €9,442 | €6,073 | €2,109 | ▼ 65.3% |
| Recurring financial charges65 | €7,968 | €9,867 | €9,442 | €6,073 | €2,109 | ▼ 65.3% |
| Profit (loss) for the period before taxes9903 | €2,876 | €4,781 | €6,788 | -€16,076 | -€57,024 | ▼ 255% |
| Income taxes67/77 | €1,285 | €1,920 | €3,590 | €517 | €526 | ▲ 1.8% |
| Profit (loss) for the period9904 | €1,591 | €2,861 | €3,198 | -€16,593 | -€57,550 | ▼ 247% |
| Profit (loss) for the period to be appropriated9905 | €1,591 | €2,861 | €3,198 | -€16,593 | -€57,550 | ▼ 247% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €277,720 | €297,457 | €274,027 | €275,871 | €177,107 | ▼ 35.8% |
| Fixed assets21/28 | €164,405 | €170,018 | €137,293 | €98,558 | €56,316 | ▼ 42.9% |
| Tangible fixed assets22/27 | €164,405 | €170,018 | €137,293 | €98,558 | €56,316 | ▼ 42.9% |
| Plant, machinery and equipment23 | €3,872 | €2,166 | €1,466 | €4,453 | €2,467 | ▼ 44.6% |
| Furniture and vehicles24 | €14,793 | €47,679 | €35,960 | €23,056 | €11,450 | ▼ 50.3% |
| Other tangible fixed assets26 | €145,741 | €120,174 | €99,867 | €71,049 | €42,399 | ▼ 40.3% |
| Current assets29/58 | €113,315 | €127,439 | €136,734 | €177,313 | €120,792 | ▼ 31.9% |
| Stocks and contracts in progress3 | €8,447 | €11,998 | €15,253 | €24,626 | €7,953 | ▼ 67.7% |
| Stocks30/36 | €8,447 | €11,998 | €15,253 | €24,626 | €7,953 | ▼ 67.7% |
| Amounts receivable within one year40/41 | €31,822 | €27,659 | €25,251 | €73,522 | €14,498 | ▼ 80.3% |
| Trade receivables40 | €24,992 | €19,494 | €19,130 | €65,071 | €14,203 | ▼ 78.2% |
| Other amounts receivable41 | €6,830 | €8,165 | €6,121 | €8,451 | €295 | ▼ 96.5% |
| Cash at bank and in hand54/58 | €69,279 | €79,599 | €92,293 | €75,489 | €94,561 | ▲ 25.3% |
| Deferred charges and accrued income490/1 | €3,767 | €8,182 | €3,936 | €3,675 | €3,780 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €277,720 | €297,457 | €274,027 | €275,871 | €177,107 | ▼ 35.8% |
| Equity10/15 | €228,467 | €230,528 | €232,072 | €215,479 | €157,929 | ▼ 26.7% |
| Contributions10/11 | €30,100 | €30,100 | €30,100 | €30,100 | €30,100 | = |
| Reserves13 | €198,367 | €200,428 | €201,972 | €185,379 | €127,829 | ▼ 31.0% |
| Non-distributable reserves130/1 | €3,010 | €3,010 | - | - | - | - |
| Reserves not available under the articles1311 | €3,010 | €3,010 | - | - | - | - |
| Tax-exempt reserves132 | €20,805 | €20,805 | €20,805 | €20,805 | €20,805 | = |
| Distributable reserves133 | €174,552 | €176,614 | €181,167 | €164,574 | €107,024 | ▼ 35.0% |
| Amounts payable17/49 | €49,252 | €66,929 | €41,955 | €60,392 | €19,178 | ▼ 68.2% |
| Amounts payable after more than one year17 | €1,685 | €12,660 | €4,256 | - | - | - |
| Financial debts170/4 | €1,685 | €12,660 | €4,256 | - | - | - |
| Amounts payable within one year42/48 | €47,547 | €52,063 | €37,662 | €58,894 | €18,378 | ▼ 68.8% |
| Current portion of amounts payable after more than one year42 | €2,489 | €9,947 | €8,404 | €4,256 | - | - |
| Financial debts43 | €378 | - | - | - | - | - |
| Credit institutions430/8 | €378 | - | - | - | - | - |
| Trade debts44 | €28,737 | €21,536 | €11,955 | €27,346 | €8,989 | ▼ 67.1% |
| Suppliers440/4 | €28,737 | €21,536 | €11,955 | €27,346 | €8,989 | ▼ 67.1% |
| Taxes, remuneration and social security45 | €15,382 | €20,020 | €15,682 | €27,241 | €8,391 | ▼ 69.2% |
| Taxes450/3 | €15,382 | €20,020 | €15,682 | €22,540 | €8,391 | ▼ 62.8% |
| Remuneration and social security454/9 | - | - | - | €4,701 | - | - |
| Other amounts payable47/48 | €560 | €560 | €1,622 | €52 | €999 | ▲ 1,838% |
| Accrued charges and deferred income492/3 | €20 | €2,206 | €37 | €1,498 | €800 | ▼ 46.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,591 | €2,861 | €3,198 | -€16,593 | -€57,550 | ▼ 247% |
| + Depreciation and write-downs630 | €33,462 | €38,715 | €43,168 | €43,734 | €42,243 | ▼ 3.4% |
| Operating cash flow (approximation) | €35,054 | €41,576 | €46,366 | €27,141 | -€15,307 | ▼ 156% |
| Investment in fixed assets (approximation) | - | -€44,328 | -€10,442 | -€5,000 | €0 | ▲ 100% |
| Change in cash | - | €10,320 | €12,694 | -€16,804 | €19,072 | ▲ 213% |
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€57,550
Net result drops to -€57,550, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 6.57
Current ratio from 3.01 to 6.57; short-term debt falls from €58,894 to €18,378.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €5,611 ▲321%
Net result €5,611, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 2 establishment units since 1986
Ground area
3,569 m²
Building footprint
338 m²
Volume, LiDAR
1,605 m³
2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ALBOTEX BVBA
since 19862.030.501.889
D3-FASHION
since 20072.164.937.753
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009C0521/00T000 | Flanders | 1,966 m² | 1 · 201 m² | 6.2 m · 1 fl. |
| 24040B0194/00N010 | Flanders | 1,603 m² | 1 · 137 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,805 companies in sector 46831 we hold annual accounts for 1,398. 896 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-08-1984
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
46412Wholesale of household textiles and bedding
68310Real estate agency activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0426041618
Also
9925:BE0426041618
Registered
05-03-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.