ALMA'S
ActiveThe computed 12-month bankruptcy probability of ALMA'S is 2.6% (moderate). The 2025 annual accounts show negative equity (€-53k) and a net result of €-61k. Equity is shrinking by ~74.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 18120 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-30
Growth32=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.75 in 2024; short-term debt: 132.9% and cash: 37.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
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 2025Solvency, return and age of the figures
Solvency
-32.9%
Return on assets
-38.2%
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-53k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 6 filingsDeviation from the deadline
2025
26 d late
2024
133 d late
2023
211 d late
2022
147 d late
2021
35 d late
2020
30 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-61k▼ 28.5%
2024 · €-48k
2020: €48k
2021: €79k
2022: €3k
2023: €-84k
2024: €-48k
2020 → 2025
Working capital
€-89k▼ 114%
2024 · €-41k
2020: €58k
2021: €125k
2022: €93k
2023: €6k
2024: €-41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€140k▼ 0.8%€56k▼ 60.1%€8k▼ 84.9%€-53k
Operating result€99k-€9k▼ 90.9%€-57k€-27k▲ 51.9%€-55k▼ 101%
Net result€79k-€3k▼ 96.5%€-84k€-48k▲ 43.5%€-61k▼ 28.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €55k in 2025 against €27k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€36k▼ 30.8%
Current assets
€124k▼ 0.7%
Key figures and ratios
EBITDA
€-47k▼
2024 · €-17k
Cash flow
€-53k▼
2024 · €-37k
Solvency
-32.9%▼
2024 · 4.8%
Current ratio
0.58▼
2024 · 0.75
Quick ratio
0.53▼
2024 · 0.60
Debt / equity
-4.04▼
2024 · 19.96
ROA
-38.2%▼
2024 · -26.9%
Interest coverage
-7.11▼
2024 · -0.83
Debt
€213k▲
2024 · €168k
Debt ≤ 1 year
€213k▲
2024 · €166k
Staff costs
€28k▼
2024 · €86k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€177k€160k▼
Fixed assets21/28€52k€36k▼
Intangible fixed assets21€37k€30k▼
Tangible fixed assets22/27€11k€1k▼
Furniture and vehicles24€11k€1k▼
Financial fixed assets28€5k€5k▲
Current assets29/58€125k€124k▼
Stocks and contracts in progress3€25k€12k▼
Stocks30/36€25k€12k▼
Amounts receivable within one year40/41€55k€50k▼
Trade receivables40€55k€32k▼
Other amounts receivable41-€18k
Cash at bank and in hand54/58€43k€60k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€177k€160k▼
Equity10/15€8k€-53k▼
Contributions10/11€15k€15k=
Reserves13€38k€38k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€-44k€-105k▼
Amounts payable17/49€168k€213k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€166k€213k▲
Current portion of amounts payable after more than one year42€3k€1k▼
Trade debts44€75k€36k▼
Suppliers440/4€75k€36k▼
Advances received on contracts in progress46€13k€96k▲
Taxes, remuneration and social security45€75k€79k▲
Taxes450/3€75k€53k▼
Remuneration and social security454/9-€25k
Other amounts payable47/48€590€589▼
Income statement
Code20242025
Remuneration, social security and pensions62€86k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A€787€2k▲
Gross operating margin9900€77k€-15k▼
Operating profit (loss)9901€-27k€-55k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€20k€7k▼
Recurring financial charges65€20k€7k▼
Profit (loss) for the period before taxes9903€-48k€-61k▼
Profit (loss) for the period9904€-48k€-61k▼
Profit (loss) for the period to be appropriated9905€-48k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-105k▼
Profit (loss) brought forward from the previous period14P€4k€-44k▼
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 133 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 211 days late
2023
31-12
Financial
Weakest financial yearnet €-84k ▼3146%
Net result drops to €-84k, the lowest in the series; recovery starts the following year.
25-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 147 days late
2022
04-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 35 days late
2021
31-12
Financial
Highest result since 2020net €79k ▲64.5%
Operating result €99k, net result €79k, both a record.
31-12
Financial
Equity above €100kEq €141k ▲125%
2 profitable years in a row build equity to €141k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
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, Beersel · 1 establishment unit since 2020
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.
A. Vaucampslaan 281654 BeerselGround area
5,597 m²
Building footprint
2,741 m²
Parcel 23035A0050/00W003, Flanders. Linked by address, not a title deed.
1 establishment unit
ALMA'S
since 20202.300.696.775
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23035A0050/00W003 | Flanders | 5,597 m² | 1 · 2,741 m² | - |
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 12,968 companies in sector 47120 we hold annual accounts for 2,186. 1,171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2019
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47910Retail trade
47789Other retail sale of new goods
47820Market retail: textiles, clothing, footwear
47890Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
1 entryE-mail:almas.boutique@hotmail.com