ALL-MAT-EL
ActiveSummary
ALL-MAT-EL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €323k and a net result of €-68k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-62
Solvency51▼-46
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.97 against 3.32 in 2024; short-term debt: 41% and cash: 3.4% of total assets), and 74.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d early
2023
54 d late
2022
24 d late
2021
30 d late
2020
26 d late
2019
122 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€323k▼ 17.4%
2024 · €391k
2018: €319k
2019: €321k
2020: €345k
2021: €368k
2022: €377k
2023: €370k
2024: €391k
2018 → 2025
Total assets
€1.26M▲ 131%
2024 · €546k
2018: €393k
2019: €442k
2020: €451k
2021: €499k
2022: €536k
2023: €505k
2024: €546k
2018 → 2025
Net result
€-68k
2024 · €21k
2018: €14k
2019: €2k
2020: €27k
2021: €23k
2022: €9k
2023: €-7k
2024: €21k
2018 → 2025
Working capital
€-16k
2024 · €333k
2018: €313k
2019: €316k
2020: €344k
2021: €375k
2022: €353k
2023: €336k
2024: €333k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€368k-€377k▲ 2.4%€370k▼ 1.9%€391k▲ 5.7%€323k▼ 17.4%
Operating result€28k-€9k▼ 67.1%€-6k€27k€-56k
Net result€23k-€9k▼ 62.9%€-7k€21k€-68k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €56k after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€761k ▲ 986%
Current assets
€503k ▲ 5.5%
Equity and liabilities €1.26M
Equity
€323k ▼ 17.4%
Debt
€941k ▲ 505%
Debt's share of the balance-sheet total rises from 28.5% to 74.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2024 · €41k
Cash flow
€-19k▼
2024 · €36k
Current ratio
0.97▼
2024 · 3.32
Quick ratio
0.27▼
2024 · 0.96
Debt to equity
2.91▲
2024 · 0.40
ROE
-21.0%▼
2024 · 5.4%
ROA
-5.4%▼
2024 · 3.9%
Interest coverage
-0.55▼
2024 · 13.75
Debt ≤ 1 year
€518k▲
2024 · €143k
Debt > 1 year
€422k▲
2024 · €12k
Income taxes
€0▼
2024 · €5k
Staff costs
€40k▼
2024 · €46k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€546k€1.26M▲
Fixed assets21/28€70k€761k▲
Tangible fixed assets22/27€70k€761k▲
Land and buildings22-€662k
Plant, machinery and equipment23€19k€27k▲
Furniture and vehicles24€19€29k▲
Other tangible fixed assets26€51k€44k▼
Current assets29/58€476k€503k▲
Stocks and contracts in progress3€339k€365k▲
Stocks30/36€339k€365k▲
Amounts receivable within one year40/41€97k€94k▼
Trade receivables40€97k€92k▼
Other amounts receivable41€60€2k▲
Cash at bank and in hand54/58€40k€43k▲
Deferred charges and accrued income490/1€570€307▼
Equity and liabilities
Total equity and liabilities10/49€546k€1.26M▲
Equity10/15€391k€323k▼
Contributions10/11€12k€12k=
Reserves13€378k€311k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€378k€311k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€156k€941k▲
Amounts payable after more than one year17€12k€422k▲
Financial debts170/4€12k€422k▲
Amounts payable within one year42/48€143k€518k▲
Current portion of amounts payable after more than one year42€17k€37k▲
Trade debts44€94k€129k▲
Suppliers440/4€94k€129k▲
Taxes, remuneration and social security45€20k€5k▼
Taxes450/3€16k€0▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€13k€347k▲
Income statement
Code20242025
Remuneration, social security and pensions62€46k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€49k▲
Other operating charges640/8€817€60k▲
Gross operating margin9900€88k€93k▲
Operating profit (loss)9901€27k€-56k▼
Financial income75/76B€2k€929▼
Recurring financial income75€2k€929▼
Financial charges65/66B€3k€13k▲
Recurring financial charges65€3k€13k▲
Profit (loss) for the period before taxes9903€26k€-68k▼
Income taxes67/77€5k€0▼
Profit (loss) for the period9904€21k€-68k▼
Profit (loss) for the period to be appropriated9905€21k€-68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€377k€-68k▼
Profit (loss) brought forward from the previous period14P€355k€0▼
Transfer from equity791/2-€68k
Transfer to equity691/2€377k€0▼
To other reserves6921€377k€0▼
Social balance
Average headcount (FTE)90871.21.1▼
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-68k ▼421%
Net result drops to €-68k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 54 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲1254%
Operating result €32k, net result €27k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pajottegem · 1 establishment unit since 1991
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.
Hernestraat 491570 PajottegemGround area
3,095 m²
Building footprint
1,628 m²
Volume, LiDAR
7,697 m³
Parcel 23087C0021/00S000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALL-MAT-EL
since 19912.052.960.458
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23087C0021/00S000 | Flanders | 3,095 m² | 1 · 1,628 m² | 6.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePajottegem2.052.960.458
Similar companies · same sector, comparable size
BOUWCONCEPT VRL
BE 0837.361.012
Maasmechelen · Eq €322,538
Trisca
BE 0446.631.748
Rixensart · Eq €324,768
AGAMETAAL
BE 0451.970.411
Wetteren · Eq €324,784
EASYKIT WEST
BE 0735.498.441
Rotselaar · Eq €319,834
ATRIUM
BE 0884.089.177
Flémalle · Eq €329,201
Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 1,039 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 formPrivate limited company
Founded01-04-1991
Fiscal year end31-12
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
47529Retail trade
47279Other retail sale of food
47522Retail trade
47525Retail trade
47526Retail trade
47527Retail trade
47789Other retail sale of new goods
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.