ALEM
ActiveSummary
ALEM has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,367 and a net result of €9,123. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 16754 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 5.7; short-term debt: 17.6% of total assets), and 17.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
82.4%
Return on assets
60.8%
Age of the figures
12 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €12,367
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
2 d early
2021
4 d early
2020
32 d early
2019
10 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 7 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 29 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€12,367▲ 281%
2024 · €3,244
Total assets
€15,000▲ 319%
2024 · €3,582
Net result
€9,123▲ 249%
2024 · €2,616
Working capital
€12,367▲ 281%
2024 · €3,244
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, 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€10,602€14,851▲ 40.1%-€16,717€2,897€9,276▲ 220%
Net result€10,519below the sector's middle half€11,686below the sector's middle half▲ 11.1%-€17,403below the sector's middle half€2,616below the sector's middle half€9,123below the sector's middle half▲ 249%
Equity€6,345below the sector's middle half€18,031below the sector's middle half▲ 184%€628below the sector's middle half▼ 96.5%€3,244below the sector's middle half▲ 417%€12,367below the sector's middle half▲ 281%
Total assets€7,920below the sector's middle half▲ 3,460%€20,948below the sector's middle half▲ 165%€1,002below the sector's middle half▼ 95.2%€3,582below the sector's middle half▲ 258%€15,000below the sector's middle half▲ 319%
Debt€1,575▼ 64.2%€2,917▲ 85.2%€374▼ 87.2%€338▼ 9.5%€2,633▲ 678%
Working capital€4,029below the sector's middle half€16,708below the sector's middle half▲ 315%€297below the sector's middle half▼ 98.2%€3,244below the sector's middle half▲ 993%€12,367within the sector's middle half▲ 281%
Solvency80.1%within the sector's middle half86.1%above the sector's middle half▲ 6.0pp82.4%within the sector's middle half
Current ratio3.56within the sector's middle half6.73above the sector's middle half▲ 3.175.70within the sector's middle half
Return on assets (ROA)132.8%above the sector's middle half55.8%above the sector's middle half▼ 77.0pp60.8%above the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 220% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €15,000
Equity
€12,367 ▲ 281%
Debt
€2,633 ▲ 678%
Debt's share of the balance-sheet total rises from 9.4% to 17.6%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.21
ROE
73.8%
Debt ≤ 1 year
€2,633▲
2024 · €338
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,662 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% | 1.7% |
| 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 75% 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 34,679 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €6,729 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €662 | €993 | €993 | €331 | - | - |
| Other operating charges640/8 | €518 | €872 | €407 | €525 | €531 | ▲ 1.2% |
| Gross operating margin9900 | €11,782 | €16,715 | -€15,317 | €3,753 | €9,807 | ▲ 161% |
| Operating profit (loss)9901 | €10,602 | €14,851 | -€16,717 | €2,897 | €9,276 | ▲ 220% |
| Financial income75/76B | €0 | €1 | - | - | - | - |
| Recurring financial income75 | €0 | €1 | - | - | - | - |
| Financial charges65/66B | €83 | €653 | €521 | €249 | €153 | ▼ 38.7% |
| Recurring financial charges65 | €83 | €653 | €521 | €249 | €153 | ▼ 38.7% |
| Profit (loss) for the period before taxes9903 | €10,519 | €14,199 | -€17,238 | €2,648 | €9,123 | ▲ 244% |
| Income taxes67/77 | - | €2,513 | €166 | €32 | - | - |
| Profit (loss) for the period9904 | €10,519 | €11,686 | -€17,403 | €2,616 | €9,123 | ▲ 249% |
| Profit (loss) for the period to be appropriated9905 | €10,519 | €11,686 | -€17,403 | €2,616 | €9,123 | ▲ 249% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7,920 | €20,948 | €1,002 | €3,582 | €15,000 | ▲ 319% |
| Fixed assets21/28 | €2,316 | €1,323 | €331 | - | - | - |
| Tangible fixed assets22/27 | €2,316 | €1,323 | €331 | - | - | - |
| Furniture and vehicles24 | €2,316 | €1,323 | €331 | - | - | - |
| Current assets29/58 | €5,604 | €19,625 | €671 | €3,582 | €15,000 | ▲ 319% |
| Amounts receivable within one year40/41 | - | €11,212 | - | €2,064 | - | - |
| Other amounts receivable41 | - | €11,212 | - | €2,064 | - | - |
| Cash at bank and in hand54/58 | €5,604 | €8,413 | €671 | €1,518 | - | - |
| Deferred charges and accrued income490/1 | - | - | - | - | €15,000 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7,920 | €20,948 | €1,002 | €3,582 | €15,000 | ▲ 319% |
| Equity10/15 | €6,345 | €18,031 | €628 | €3,244 | €12,367 | ▲ 281% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€12,255 | -€569 | -€17,972 | -€15,356 | -€6,233 | ▲ 59.4% |
| Amounts payable17/49 | €1,575 | €2,917 | €374 | €338 | €2,633 | ▲ 678% |
| Amounts payable within one year42/48 | €1,575 | €2,917 | €374 | €338 | €2,633 | ▲ 678% |
| Trade debts44 | €54 | €405 | €20 | €141 | - | - |
| Suppliers440/4 | €54 | €405 | €20 | €141 | - | - |
| Taxes, remuneration and social security45 | - | €2,513 | €166 | €198 | - | - |
| Taxes450/3 | - | €2,513 | €166 | €198 | - | - |
| Other amounts payable47/48 | €1,521 | - | €188 | - | €2,633 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,519 | €11,686 | -€17,403 | €2,616 | €9,123 | ▲ 249% |
| + Depreciation and write-downs630 | €662 | €993 | €993 | €331 | - | - |
| Operating cash flow (approximation) | €11,181 | €12,679 | -€16,411 | €2,947 | €9,123 | ▲ 210% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €2,809 | -€7,742 | €848 | - | - |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
26-03
State Gazette act
Registered office · MiscellaneousRegistered-office move1 fact ▸
State Gazette act
Registered office · Miscellaneous
Registered-office move1 fact ▸
- Registered-office move, Kleine Kattenhoek 22 - 9990 Maldegem
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €2,616
Net result €2,616 after one loss-making year.
30-09
Financial
Liquidity times 6current ratio 10.59
Current ratio from 1.79 to 10.59; short-term debt falls from €374 to €338.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€17,403
Net result drops to -€17,403, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €11,686 ▲11.1%
Operating result €14,851, net result €11,686, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €10,519
Net result €10,519 after 3 loss-making years.
30-09
Financial
Liquidity times 70current ratio 3.56
Current ratio from 0.05 to 3.56; short-term debt falls from €4,396 to €1,575.
Show earlier events
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Maldegem · 1 establishment unit since 2014
Ground area
547 m²
Building footprint
129 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
ALEM
since 20142.225.553.251
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010C0021/00M000 | Flanders | 274 m² | 1 · 64 m² | - |
| 43010C0021/00S000 | Flanders | 273 m² | 1 · 64 m² | - |
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 5,992 companies in sector 86940 we hold annual accounts for 1,810. 1,275 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
Founded24-12-2013
Fiscal year end30-09
Activities, NACEBEL 2025
86940Nursing and midwifery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0543637983
Also
9925:BE0543637983
Registered
31-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.