ALLARD CLADDING SYSTEMS
ActiveFrom the official registers: KBO 29 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
ALLARD CLADDING SYSTEMS has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235,736 and a net result of -€4,744. Equity is shrinking by about 6.1% per year across the filed financial years. Its solvency ranks better than 50% of 5,034 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Official details
KBO- Status
- Active since 27-10-1994 Normal situation
- Legal form
- Public limited company
- Registered office
- Lage Vosbergstraat 97, 2840 Rumst
- Activity
- Retail sale of hardware, building materials, paint and glass (general range) NACE 47521and 5 others
- Establishment unit
- 2.069.065.626 2840 Rumst, since 07-04-1997
- Financial year end
- 31 March
- Peppol
- Reachable
Who decides
How it is doing
- Bankruptcy probabilitywithin 12 months
- 0.5%
- Turnover
- €1.2m
- ▲ 21.4%
- Loss
- €4,744
- Equity
- €235,736
- ▼ 2.0%
- Total assets
- €659,413
- ▲ 43.1%
- Staff
- 7.3 FTE
Why 82raises riskFigures for financial year 2025 (filed 04-11-2025)Size: turnover €1.2m, 7.3 FTE, total assets €659,413lowers riskLiquidity: current ratio 1.50, cash €313,406Founded in 1994Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 51% on solvency, 73% on liquidity, 24% on profitability and 56% on growth.
The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 6 accounts on average 3 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
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Financials · financial year 2025, full format
Annual accounts 2025
- Financial year ended
- 31-03-2025
- Filed on
- 31-10-2025
- Format
- full format
- Reference
- 2025-00559750
2020 to 2025, 5 financial years 2019 to 2025, 6 financial years
The operating result falls in 2025; 2025 is 99% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
- 2022 Turnover -64% on 2021. The previous financial year ran 15 months, this one 12.
Peer companies
Historical observationOf the 12,322 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90.3% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 12,322 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.
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | €1.9m | €0.6m | €1.0m | €1.2m | ▲ 23.3% |
| Turnover70 | €2.1m | €1.5m | €1.8m | €0.7m | €1.0m | €1.2m | ▲ 21.4% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | - | €0.09m | -€0.1m | €0 | - | - |
| Other operating income74 | - | - | €0.01m | €0.003m | €0.02m | €0.04m | ▲ 123% |
| Operating charges60/66A | - | - | €2.0m | €0.5m | €0.9m | €1.2m | ▲ 36.4% |
| Goods for resale, raw materials and consumables60 | - | - | €1.7m | €0.4m | €0.4m | €0.5m | ▲ 18.9% |
| Purchases600/8 | - | - | €1.8m | €0.4m | €0.4m | €0.4m | ▼ 4.4% |
| Change in stocks: decrease (increase)609 | - | - | -€0.04m | €0.02m | -€0.05m | €0.04m | - |
| Services and other goods61 | - | - | €0.2m | €0.04m | €0.1m | €0.3m | ▲ 138% |
| Remuneration, social security and pensions62 | - | - | €0.07m | €0.06m | €0.4m | €0.5m | ▲ 27.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.02m | €52 | €66 | €52 | €65 | €52 | ▼ 19.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €0 | - | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €0.007m | -€0.02m | - |
| Other operating charges640/8 | - | - | €0.001m | €0.009m | €0.001m | €0.001m | ▼ 42.7% |
| Operating profit (loss)9901 | €0.2m | €0.03m | -€0.02m | €0.01m | €0.1m | €0.001m | ▼ 98.5% |
| Financial income75/76B | - | - | €3 | €58 | €173 | €464 | ▲ 169% |
| Recurring financial income75 | €0.03m | €0 | €3 | €58 | €173 | €464 | ▲ 169% |
| Income from current assets751 | - | - | - | €58 | €98 | €464 | ▲ 374% |
| Other financial income752/9 | - | - | €3 | €0 | €75 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | €0.01m | €0.01m | €0.01m | €0.007m | ▼ 33.2% |
| Recurring financial charges65 | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | €0.007m | ▼ 33.2% |
| Debt charges650 | €0.008m | €0.004m | €0.005m | €0.004m | €0.003m | €0 | ▼ 100% |
| Other financial charges652/9 | - | - | €0.008m | €0.006m | €0.007m | €0.007m | ▼ 9.8% |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.02m | -€0.04m | €0.005m | €0.09m | -€0.005m | - |
| Income taxes67/77 | €0.02m | €0.02m | -€0.02m | €332 | €0.03m | €39 | ▼ 99.9% |
| Taxes670/3 | - | - | €0 | €332 | €0.03m | €39 | ▼ 99.9% |
| Tax adjustments and reversals of tax provisions77 | - | - | €0.02m | €0 | - | - | - |
| Profit (loss) for the period9904 | €0.2m | €0.001m | -€0.02m | €0.004m | €0.06m | -€0.005m | - |
| Profit (loss) for the period to be appropriated9905 | €0.2m | €0.001m | -€0.02m | €0.004m | €0.06m | -€0.005m | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €2.2m | €1.1m | €1.0m | €0.8m | €0.5m | €0.7m | ▲ 43.1% |
| Fixed assets21/28 | €0.001m | €0.004m | €0.02m | €0.02m | €0.03m | €0.03m | ▼ 0.2% |
| Intangible fixed assets21 | €0 | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | ▼ 9.2% |
| Plant, machinery and equipment23 | - | - | €0.001m | €0.001m | €0.001m | €0.001m | ▼ 9.2% |
| Financial fixed assets28 | - | €0.003m | €0.02m | €0.02m | €0.03m | €0.03m | = |
| Other financial fixed assets284/8 | - | - | €0.02m | €0.02m | €0.03m | €0.03m | = |
| Shares284 | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Amounts receivable and cash guarantees285/8 | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Current assets29/58 | €2.2m | €1.1m | €0.9m | €0.8m | €0.4m | €0.6m | ▲ 45.8% |
| Stocks and contracts in progress3 | €0.1m | €0 | €0.1m | €0.02m | €0.07m | €0.03m | ▼ 58.8% |
| Stocks30/36 | - | - | €0.04m | €0.02m | €0.07m | €0.03m | ▼ 58.8% |
| Goods purchased for resale34 | - | - | €0.04m | €0.02m | €0.07m | €0.03m | ▼ 58.8% |
| Contracts in progress37 | - | - | €0.1m | €0 | - | - | - |
| Amounts receivable within one year40/41 | €1.4m | €0.5m | €0.5m | €0.5m | €0.2m | €0.3m | ▲ 86.9% |
| Trade receivables40 | - | - | €0.5m | €0.5m | €0.2m | €0.3m | ▲ 73.0% |
| Other amounts receivable41 | - | - | €75 | €0 | €0.004m | €0.03m | ▲ 611% |
| Cash at bank and in hand54/58 | €0.7m | €0.6m | €0.3m | €0.2m | €0.2m | €0.3m | ▲ 50.5% |
| Deferred charges and accrued income490/1 | - | - | €337 | €0.003m | €457 | €0.001m | ▲ 128% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €2.2m | €1.1m | €1.0m | €0.8m | €0.5m | €0.7m | ▲ 43.1% |
| Equity10/15 | €0.4m | €0.4m | €0.4m | €0.4m | €0.2m | €0.2m | ▼ 2.0% |
| Contributions10/11 | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | = |
| Capital10 | - | - | €0 | - | €0.07m | €0.07m | = |
| Issued capital100 | - | - | €0 | - | €0.07m | €0.07m | = |
| Contributions outside capital11 | - | - | €0.07m | €0.07m | €0 | - | - |
| Other1109/19 | - | - | €0.07m | €0.07m | €0 | - | - |
| Reserves13 | €0.3m | €0.3m | €0.3m | €0.3m | €0.2m | €0.2m | = |
| Non-distributable reserves130/1 | - | - | €0.007m | €0.007m | €0.007m | €0.007m | = |
| Legal reserve130 | - | - | €0 | - | €0.007m | €0.007m | = |
| Reserves not available under the articles1311 | - | - | €0.007m | €0.007m | €0 | - | - |
| Distributable reserves133 | - | - | €0.3m | €0.3m | €0.2m | €0.2m | = |
| Profit (loss) carried forward14 | €97 | €0.001m | -€0.01m | -€0.01m | €0.001m | -€0.004m | - |
| Provisions and deferred taxes16 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0 | ▼ 100% |
| Provisions for liabilities and charges160/5 | - | - | €0.02m | €0.02m | €0.02m | €0 | ▼ 100% |
| Environmental obligations163 | - | - | €0.02m | €0.02m | €0.02m | €0 | ▼ 100% |
| Amounts payable17/49 | €1.9m | €0.7m | €0.6m | €0.4m | €0.2m | €0.4m | ▲ 116% |
| Amounts payable within one year42/48 | €1.9m | €0.7m | €0.6m | €0.4m | €0.2m | €0.4m | ▲ 115% |
| Trade debts44 | €1.4m | €0.3m | €0.3m | €0.1m | €0.1m | €0.4m | ▲ 255% |
| Suppliers440/4 | - | - | €0.3m | €0.1m | €0.1m | €0.4m | ▲ 255% |
| Advances received on contracts in progress46 | - | - | - | €0.03m | €0.05m | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | €0.04m | €0.02m | €0.03m | €0.04m | ▲ 11.1% |
| Taxes450/3 | - | - | €0.04m | €0.02m | €102 | €0.001m | ▲ 835% |
| Remuneration and social security454/9 | - | - | €0.005m | €0.006m | €0.03m | €0.04m | ▲ 8.6% |
| Other amounts payable47/48 | - | - | €0.3m | €0.2m | €0 | - | - |
| Accrued charges and deferred income492/3 | - | - | €346 | €0 | €0.001m | €0.003m | ▲ 180% |
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €182,849 | €1,272 | -€15,348 | €4,342 | €60,617 | -€4,744 | - |
| + Depreciation and write-downs630 | €17,717 | €52 | €66 | €52 | €65 | €52 | ▼ 19.8% |
| Operating cash flow (approximation) | €200,566 | €1,325 | -€15,283 | €4,394 | €60,682 | -€4,692 | - |
| Investment in fixed assets (approximation) | - | -€3,088 | -€18,565 | -€710 | - | €0 | - |
| Change in cash | - | -€116,504 | -€339,645 | -€19,304 | - | €105,230 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 29 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-03-2025 | full format | 31-10-2025 | 2025-00559750 | |
| 31-03-2024 | full format | 14-10-2024 | 2024-00507727 | |
| 31-12-2022 | full format | 22-08-2023 | 2023-00349865 | |
| 31-12-2021 | full format | 31-08-2022 | 2022-20401393 | |
| 30-09-2020 | full format | 30-04-2021 | 2021-12300573 | |
| 30-09-2019 | full format | 09-04-2020 | 2020-08900381 | |
| 30-09-2018 | full format | 08-04-2019 | 2019-09500437 | |
| 30-09-2017 | full format | 20-04-2018 | 2018-10200443 | |
| 30-09-2016 | full format | 30-03-2017 | 2017-08100382 | |
| 30-09-2015 | full format | 18-04-2016 | 2016-10600193 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2024 to 2025 · 2 entries · €445 awarded · €445 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €0 | €174 |
| 2024 | 1 | €445 | €271 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Day-to-day management
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| PATRICKLIMPENS |
|
| TISA |
|
| ANATURALSTONEGROUP |
|
Owners and capital
Owners
1 ownerChain of control
- A NATURAL STONE GROUP NV
- ALLARD CLADDING SYSTEMS
Owners 1
-
100%
Group and network
Connections & network
The network starts from this company’s shareholders. What else they own or run appears here as nodes.
History
Acts, filings and financial milestones
05-12
Gazette deed
Resignations: ANATURALSTONEGROUP, PATRICKLIMPENS and TISAPermanent representatives: TimothyFloridor, PatrickLimpens and RudiFloridor11 facts ▸
- General meeting, 27-06-2025
- Director resignation, ANATURALSTONEGROUP (niet statutairebestuurder)
- Permanent representative, TimothyFloridor (vastvertegenwoordiger)
- Director resignation, PATRICKLIMPENS (niet statutairebestuurder)
- Permanent representative, PatrickLimpens (vastvertegenwoordiger)
- Director resignation, TISA (niet statutairebestuurder)
- Permanent representative, RudiFloridor (vastvertegenwoordiger)
- Board meeting, 27-06-2025
- Director resignation, ANATURALSTONEGROUP (persoonbelastmetdagelijksbestuur)
- Director resignation, PATRICKLIMPENS (persoonbelastmetdagelijksbestuur)
- Director resignation, TISA (gedelegeerdbestuurder)
11-01
Gazette deed
Algemene Vergadering - BoekjaarGeneral meeting2 facts ▸
- General meeting, 19-12-2023
- Other provision, “coördinatie opmaken en ondertekenen en neerlegging in vennootschapsdossier, coördinatie van de statuten” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordWhere it is based
What it does
NACEBEL 2025Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0453.695.427
Financial year and general meeting
Accounts at the NBBScores and ratios are computed by Checked and are not a credit decision.
Financial year and meetings according to the articles of association
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of September at 20:00
Articles of association, deed of 11-01-2024 (in Dutch)
Environmental permits: No permit applications found in Flanders.
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11037A0136/00F000 | Flanders | 2,118 m² | 1 · 112 m² | 7.6 m · 2 |