ALMA Concept
ActiveALMA Concept has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3k and a net result of €-7k. Equity is growing by ~40.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 26051 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
2
/ 100
Critical▼ -67 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency21▼-30
Growth78=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.36 against 0.68 in 2023), and 77.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
22.8%
Return on assets
-47.4%
Age of the figures
20 mo
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 →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
20 d early
2022
5 d early
2021
29 d late
2020
143 d late
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€3k▼ 67.5%
2023 · €10k
2018: €-24k
2019: €1k
2020: €1k
2021: €6k
2022: €6k
2023: €10k
2018 → 2024
Total assets
€14k▼ 46.9%
2023 · €27k
2018: €20k
2019: €16k
2020: €10k
2021: €10k
2022: €38k
2023: €27k
2018 → 2024
Net result
€-7k
2023 · €3k
2018: €-11k
2019: €25k
2020: €-60
2021: €5k
2022: €499
2023: €3k
2018 → 2024
Working capital
€-7k▼ 30.0%
2023 · €-5k
2018: €-29k
2019: €1k
2020: €-4k
2021: €915
2022: €-12k
2023: €-5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€6k▲ 480%€6k▲ 8.4%€10k▲ 53.5%€3k▼ 67.5%
Operating result€190-€8k▲ 3,938%€2k▼ 79.9%€5k▲ 236%€-7k
Net result€-60-€5k€499▼ 89.9%€3k▲ 592%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €7k after €5k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €14k
Fixed assets
€10k▼ 33.4%
Current assets
€4k▼ 65.0%
Equity and liabilities €14k
Equity
€3k▼ 67.5%
Debt
€11k▼ 34.7%
The debt ratio rises from 62.8% to 77.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-2k▼
2023 · €10k
Cash flow
€-2k▼
2023 · €8k
Solvency
22.8%▼
2023 · 37.2%
Current ratio
0.36▼
2023 · 0.68
Quick ratio
0.36▼
2023 · 0.68
Debt / equity
3.39▲
2023 · 1.68
ROE
-208.1%▼
2023 · 34.8%
ROA
-47.4%▼
2023 · 13.0%
Interest coverage
-34.12▼
2023 · 237.59
Debt
€11k▼
2023 · €17k
Debt ≤ 1 year
€11k▼
2023 · €17k
Income taxes
€0▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€27k€14k▼
Fixed assets21/28€15k€10k▼
Tangible fixed assets22/27€10k€5k▼
Plant, machinery and equipment23€1k€726▼
Furniture and vehicles24€9k€4k▼
Financial fixed assets28€5k€5k=
Current assets29/58€11k€4k▼
Amounts receivable within one year40/41€9k€1k▼
Trade receivables40€9k€298▼
Other amounts receivable41-€978
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€331€343▲
Equity and liabilities
Total equity and liabilities10/49€27k€14k▼
Equity10/15€10k€3k▼
Contributions10/11€7k€7k=
Outside capital11€7k-
Other1109/19€7k-
Profit (loss) carried forward14€3k€-4k▼
Amounts payable17/49€17k€11k▼
Amounts payable within one year42/48€17k€11k▼
Trade debts44€2k€961▼
Suppliers440/4€2k€961▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€11k€8k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€538€817▲
Gross operating margin9900€11k€-770▼
Operating profit (loss)9901€5k€-7k▼
Financial income75/76B-€30
Recurring financial income75-€30
Financial charges65/66B€42€47▲
Recurring financial charges65€42€47▲
Profit (loss) for the period before taxes9903€5k€-7k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€3k€-7k▼
Profit (loss) for the period to be appropriated9905€3k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-4k▼
Profit (loss) brought forward from the previous period14P€-535€3k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.21
Current ratio from 0.55 to 1.21; short-term debt falls from €9k to €4k.
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.07
Current ratio from 0.34 to 1.07; short-term debt falls from €43k to €15k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Namur · 1 establishment unit since 2014
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.
Avenue du Printemps(BL) 165001 NamurGround area
432 m²
Building footprint
97 m²
Volume, LiDAR
677 m³
Parcel 92010D0210/00G002, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALMA Concept
since 20142.233.649.880
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92010D0210/00G002 | Wallonia | 432 m² | 1 · 97 m² | 9.5 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.
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Of 12,985 companies in sector 47120 we hold annual accounts for 2,186. 828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2014
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.