All Premium Trade
ActiveSummary
All Premium Trade has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €129k. Equity is growing by ~73.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+4
Solvency63▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.35 in 2024; short-term debt: 61.5% and cash: 0.7% of total assets), but 61.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
38.2%
Return on assets
18.9%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
37 d early
2023
6 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 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, micro schema
Equity
€262k▲ 96.3%
2024 · €134k
2023: €67k
2024: €134k
2023 → 2025
Total assets
€685k▲ 54.2%
2024 · €444k
2023: €416k
2024: €444k
2023 → 2025
Net result
€129k▲ 91.1%
2024 · €68k
2023: €47k
2024: €68k
2023 → 2025
Working capital
€243k▲ 122%
2024 · €110k
2023: €39k
2024: €110k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€67k-€134k▲ 100%€262k▲ 96.3%
Operating result€73k-€95k▲ 30.6%€181k▲ 90.8%
Net result€47k-€68k▲ 42.6%€129k▲ 91.1%
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 has risen two years in a row; 2025 is 91% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €685k
Fixed assets
€20k ▼ 17.0%
Current assets
€665k ▲ 58.4%
Equity and liabilities €685k
Equity
€262k ▲ 96.3%
Debt
€423k ▲ 36.1%
Debt's share of the balance-sheet total falls from 69.9% to 61.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€190k▲
2024 · €103k
Cash flow
€138k▲
2024 · €76k
Current ratio
1.58▲
2024 · 1.35
Quick ratio
0.14▼
2024 · 0.60
Debt to equity
1.61▼
2024 · 2.33
ROE
49.4%▼
2024 · 50.7%
ROA
18.9%▲
2024 · 15.2%
Interest coverage
27.59▼
2024 · 29.85
Debt ≤ 1 year
€421k▲
2024 · €310k
Income taxes
€45k▲
2024 · €24k
Staff costs
€7k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€444k€685k▲
Fixed assets21/28€25k€20k▼
Tangible fixed assets22/27€25k€20k▼
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€21k€14k▼
Financial fixed assets28-€600
Current assets29/58€420k€665k▲
Stocks and contracts in progress3€235k€606k▲
Stocks30/36€235k€606k▲
Amounts receivable within one year40/41€181k€54k▼
Trade receivables40€136k€47k▼
Other amounts receivable41€45k€7k▼
Cash at bank and in hand54/58€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€444k€685k▲
Equity10/15€134k€262k▲
Contributions10/11€20k€20k=
Reserves13€114k€242k▲
Distributable reserves133€114k€242k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€311k€423k▲
Amounts payable within one year42/48€310k€421k▲
Financial debts43€5k€35k▲
Credit institutions430/8€5k€35k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€72k€113k▲
Taxes450/3€72k€113k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€229k€266k▲
Accrued charges and deferred income492/3€874€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€105k€200k▲
Operating profit (loss)9901€95k€181k▲
Financial income75/76B€21€152▲
Recurring financial income75€21€152▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€91k€174k▲
Income taxes67/77€24k€45k▲
Profit (loss) for the period9904€68k€129k▲
Profit (loss) for the period to be appropriated9905€68k€129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€129k▲
Transfer to equity691/2€67k€129k▲
To other reserves6921€67k€129k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €129k ▲91.1%
Operating result €181k, net result €129k, both a record.
31-12
Financial
Equity above €200kEq €262k ▲96.3%
3 profitable years in a row build equity to €262k.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €134k ▲100%
2 profitable years in a row build equity to €134k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waregem · 1 establishment unit since 2022
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.
Holstraat 618790 WaregemGround area
4,523 m²
Building footprint
853 m²
Volume, LiDAR
18,557 m³
2 parcels, Flanders · tallest building 39.6 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Voito
since 20222.339.057.307
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C1419/00W015 | Flanders | 4,142 m² | 1 · 718 m² | 39.6 m · 10 fl. |
| 34006B0501/00E002 | Flanders | 381 m² | 1 · 135 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
CNC CONSULTANTS
BE 0458.655.491
Rijkevorsel · Eq €262,117
SIGOS
BE 0861.225.188
Gent · Eq €262,556
L.O.N.G.
BE 0871.909.937
Brussel · Eq €261,183
OPTIEK VERAA
BE 0462.612.103
Beveren-Kruibeke-Zwijndrecht · Eq €263,303
OPTIEK BECKWEE
BE 0445.456.266
Aalst · Eq €260,726
Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,326 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
Founded16-12-2022
Fiscal year end31-12
Abbreviation NL
APT
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46120Wholesale trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.