ALGUMA INVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €486k and a net result of €52k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 8006 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
on the day
2022
1 d early
2021
3 d early
2020
5 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€486k▲ 12.1%
2024 · €433k
2019: €248k
2020: €278k
2021: €299k
2022: €283k
2023: €335k
2024: €433k
2019 → 2025
Net result
€52k▼ 46.6%
2024 · €98k
2019: €2k
2020: €29k
2021: €22k
2022: €-16k
2023: €52k
2024: €98k
2019 → 2025
Total assets
€597k▲ 4.5%
2024 · €571k
2019: €673k
2020: €645k
2021: €501k
2022: €453k
2023: €479k
2024: €571k
2019 → 2025
Solvency
81.3%▲ 5.5pp
2024 · 75.8%
2019: 36.9%
2020: 43.0%
2021: 59.7%
2022: 62.5%
2023: 70.0%
2024: 75.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€299k-€283k▼ 5.4%€335k▲ 18.4%€433k▲ 29.3%€486k▲ 12.1%
Operating result€30k-€-14k€69k€138k▲ 98.7%€76k▼ 44.9%
Net result€22k-€-16k€52k€98k▲ 88.6%€52k▼ 46.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €597k
Fixed assets
€364k▼ 6.0%
Current assets
€234k▲ 26.4%
Equity and liabilities €597k
Equity
€486k▲ 12.1%
Debt
€112k▼ 19.3%
The debt ratio falls from 24.2% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
81.3%▲
2024 · 75.8%
ROE
10.8%▼
2024 · 22.6%
ROA
8.8%▼
2024 · 17.2%
Debt
€112k▼
2024 · €138k
Debt ≤ 1 year
€88k▼
2024 · €88k
Debt > 1 year
€24k▼
2024 · €50k
Income taxes
€20k▼
2024 · €41k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€571k€597k▲
Fixed assets21/28€387k€364k▼
Tangible fixed assets22/27€377k€354k▼
Land and buildings22€377k€354k▼
Financial fixed assets28€9k€9k=
Current assets29/58€185k€234k▲
Amounts receivable within one year40/41€176k€35k▼
Trade receivables40€38k€24k▼
Other amounts receivable41€138k€11k▼
Cash at bank and in hand54/58€9k€197k▲
Deferred charges and accrued income490/1-€933
Equity and liabilities
Total equity and liabilities10/49€571k€597k▲
Equity10/15€433k€486k▲
Contributions10/11€20k€20k=
Reserves13€410k€463k▲
Distributable reserves133€410k€463k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€138k€112k▼
Amounts payable after more than one year17€50k€24k▼
Financial debts170/4€50k€24k▼
Amounts payable within one year42/48€88k€88k▼
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44€365€4k▲
Suppliers440/4€365€4k▲
Taxes, remuneration and social security45€62k€34k▼
Taxes450/3€50k€24k▼
Remuneration and social security454/9€12k€10k▼
Other amounts payable47/48-€24k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€163k€101k▼
Operating profit (loss)9901€138k€76k▼
Financial income75/76B€2k€135▼
Recurring financial income75€2k€135▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€139k€72k▼
Income taxes67/77€41k€20k▼
Profit (loss) for the period9904€98k€52k▼
Profit (loss) for the period to be appropriated9905€98k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€55k▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer to equity691/2€98k€52k▼
To other reserves6921€98k€52k▼
The notes to these accounts (6 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €98k ▲88.6%
Operating result €138k, net result €98k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 2.09
Current ratio from 1.01 to 2.09.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 1.01
Current ratio from 0.30 to 1.01.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-16k ▼174%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lendelede · 1 establishment unit since 2010
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.
Beiaardstraat 68860 LendeledeGround area
1,055 m²
Building footprint
223 m²
Volume, LiDAR
1,149 m³
Parcel 34025D0290/00E000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALGUMA INVEST
since 20102.191.349.368
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025D0290/00E000 | Flanders | 1,055 m² | 1 · 223 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CLAVANTI
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Manora
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NEAS
BE 0656.879.446
Koekelare · Eq €485k
MANAWA
BE 0655.785.227
Gent · Eq €486k
VOLCKAERT INVEST
BE 0535.984.188
Mouscron · Eq €486k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2010
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.