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ALMA Concept

Active
Private limited companyfounded 2014active for 12 yearsAvenue du Printemps(BL) 16, 5001 Namur, BelgiumKBO/BCE: BE 0559.893.995
Summary

ALMA Concept has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,404 and a net result of €3,183. Equity has been growing by about 34% per year since 2018. Its solvency ranks better than 83% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 19-08-2014 Normal situation
Activity
Other non-specialised retail sale NACE 47120and 1 other
Establishment unit
2.233.649.880 5001 Namur, since 25-08-2014
Financial year end
31 December
Peppol
Reachable since 09-12-2025

Board and ownership

Board
  • BOTTIN MARC PAULDirector

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€14,140
Turnover
≈ €150,000
estimated
Profit
€3,183
Equity
€6,404
▲ 98.8%
Total assets
€8,740
▼ 38.2%
Filed on 23-06-2026, 38 days before the deadline
Score breakdownraises riskSize: total assets €8,740lowers riskLiquidity: current ratio 2.92, cash €4,521Founded in 2014Equity €6,404 (73.3% of total assets)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 79% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 98+50
equity 73.3% of total assets
Liquidity 90+61
short-term debt 26.7% · cash 51.7%
Profitability 69+69
return on assets 36.4%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.6% 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.5%▼ -0.1 percentage points vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 0.8%▲ +0.1 percentage points vs 07-2025highest value 09-2025: 0.8%● unchanged vs 08-2025 10-2025: 0.8%● unchanged vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.7%▼ -0.1 percentage points vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.6%▼ -0.1 percentage points vs 04-2026 06-2026: 0.5%▼ -0.1 percentage points vs 05-2026 07-2026: 0.1%▼ -0.4 percentage points vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.92 (0.36 in 2024), above the usual 1.5. Short-term debt is 26.7% and cash 51.7% of total assets. 26.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 83% of them on solvency, 91% on liquidity, 49% on profitability and 92% on growth.

The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 2.92, cash €4,521
NBB · annual accounts
lowers risk · Founded in 2014
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €8,740
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Equity €6,404 (73.3% of total assets)
NBB · annual accounts
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 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
38 days early
2024
22 days early
2023
20 days early
2022
5 days early
2021
29 days late
2020
143 days late
2019
39 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 7 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 82% of companies in retail tradesector median 33.2% · 22,726 companies 73.3% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Purpose · Amendment of the articles · Legal-form change · Resignations & appointments
  2. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as ALMA Concept: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €4,810 and €13,700, founded between 2010 and 2016.

CompanyTotal assetsGross margin
ALMA Concept Namur€8,740€14,140
ALLERGONLINE Vorst€11,681€9,949
J & P Herentals€8,046€5,565
UMBE SERVICES Koekelberg€8,837€13,503
Quagaa Schaarbeek€13,691€10,236
TepeeTop Wavre€4,812€10,428
STRAIGHTUP PROJECT Schaarbeek€7,268€4,404
Full comparison

Key facts about ALMA Concept

What is the company number of ALMA Concept?
The company number of ALMA Concept is 0559.893.995. The VAT number is the same number with BE in front: BE 0559.893.995.
Where is ALMA Concept based?
The registered office is at Avenue du Printemps(BL) 16, 5001 Namur.Company details
What does ALMA Concept do?
According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
What is the legal form of ALMA Concept?
The legal form of ALMA Concept is Private limited company (BV).
When was ALMA Concept founded?
ALMA Concept was founded on 19-08-2014.
Is ALMA Concept still active?
Yes, ALMA Concept is an active enterprise in the KBO register.
What is the turnover of ALMA Concept?
The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €14,140 and 33 comparable companies (NACE 47120). It probably lies between €73,000 and €320,000. It is a rough estimate.Financials
Is ALMA Concept profitable?
In financial year 2025, ALMA Concept made a profit of €3,183.
Where can I find the annual accounts of ALMA Concept?
ALMA Concept filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ALMA Concept due?
ALMA Concept must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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