ALMALU
ActiveSummary
ALMALU has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.64M and a net result of €11k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▼-20
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €270k at 30 days acceptable
Liquidity ample (current ratio 81.77; short-term debt: 0.1% and cash: 0.7% of total assets), and 20.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
79.9%
Return on assets
0.2%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
4 d late
2021
6 d late
2020
1 d late
2019
on the day
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€70k
EBIT margin
40.1%
Net result
€11k▼ 97.2%
2024 · €383k
Working capital
€541k▲ 137%
2023 · €228k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€28k▲ 0.9%€11k▼ 59.9%€10k▼ 7.4%€4k▼ 59.6%€14k▲ 228%
Net result€271k▲ 2.1%€9k▼ 96.9%€8k▼ 4.4%€383k▲ 4,609%€11k▼ 97.2%
EBIT margin
Equity€3.22M▲ 9.2%€3.23M▲ 0.3%€3.24M▲ 0.3%€3.62M▲ 11.8%€3.64M▲ 0.3%
Total assets€4.13M▼ 1.1%€4.19M▲ 1.6%€4.25M▲ 1.3%€4.59M▲ 8.1%€4.55M▼ 0.9%
Debt€905k▼ 26.0%€960k▲ 6.1%€1.01M▲ 4.8%€968k▼ 3.9%€914k▼ 5.5%
Working capital€22k▼ 53.4%€133k▲ 514%€228k▲ 71.8%€541k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 228% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.55M
Fixed assets
€4.00M =
Current assets
€547k ▼ 7.3%
Equity and liabilities €4.55M
Equity
€3.64M ▲ 0.3%
Debt
€914k ▼ 5.5%
Debt's share of the balance-sheet total falls from 21.1% to 20.1%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
81.77
Debt to equity
0.25▼
2024 · 0.27
ROE
0.3%▼
2024 · 10.6%
ROA
0.2%▼
2024 · 8.3%
Debt ≤ 1 year
€7k
Debt > 1 year
€907k▼
2024 · €968k
Income taxes
€3k▲
2024 · €792
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €969 | €970 | €1k | €1k | €1k | ▲ 3.0% |
| Gross operating margin9900 | €29k | €12k | €12k | €5k | €15k | ▲ 182% |
| Operating profit (loss)9901 | €28k | €11k | €10k | €4k | €14k | ▲ 228% |
| Financial income75/76B | €250k | - | - | €380k | - | - |
| Recurring financial income75 | €250k | - | - | €380k | - | - |
| Financial charges65/66B | €1k | €658 | €292 | €272 | €292 | ▲ 7.3% |
| Recurring financial charges65 | €1k | €658 | €292 | €272 | €292 | ▲ 7.3% |
| Profit (loss) for the period before taxes9903 | €277k | €11k | €10k | €384k | €14k | ▼ 96.5% |
| Income taxes67/77 | €5k | €2k | €2k | €792 | €3k | ▲ 243% |
| Profit (loss) for the period9904 | €271k | €9k | €8k | €383k | €11k | ▼ 97.2% |
| Profit (loss) for the period to be appropriated9905 | €271k | €9k | €8k | €383k | €11k | ▼ 97.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.13M | €4.19M | €4.25M | €4.59M | €4.55M | ▼ 0.9% |
| Fixed assets21/28 | €4.03M | €4.03M | €4.00M | €4.00M | €4.00M | = |
| Financial fixed assets28 | €4.03M | €4.03M | €4.00M | €4.00M | €4.00M | = |
| Current assets29/58 | €100k | €164k | €246k | €590k | €547k | ▼ 7.3% |
| Amounts receivable within one year40/41 | - | €132k | €218k | €571k | €517k | ▼ 9.5% |
| Trade receivables40 | - | - | €42k | €82k | €133k | ▲ 61.5% |
| Other amounts receivable41 | - | €132k | €176k | €489k | €384k | ▼ 21.4% |
| Cash at bank and in hand54/58 | €100k | €33k | €28k | €19k | €30k | ▲ 61.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.13M | €4.19M | €4.25M | €4.59M | €4.55M | ▼ 0.9% |
| Equity10/15 | €3.22M | €3.23M | €3.24M | €3.62M | €3.64M | ▲ 0.3% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €13k | €13k | €13k | €13k | €13k | = |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €1k | = |
| Other1319 | €1k | €1k | €1k | €1k | €1k | = |
| Distributable reserves133 | €11k | €11k | €11k | €11k | €11k | = |
| Profit (loss) carried forward14 | €3.20M | €3.21M | €3.22M | €3.60M | €3.61M | ▲ 0.3% |
| Amounts payable17/49 | €905k | €960k | €1.01M | €968k | €914k | ▼ 5.5% |
| Amounts payable after more than one year17 | €826k | €929k | €989k | €968k | €907k | ▼ 6.2% |
| Financial debts170/4 | €505k | €598k | €598k | €590k | €579k | ▼ 1.8% |
| Other amounts payable178/9 | €321k | €331k | €391k | €378k | €328k | ▼ 13.2% |
| Amounts payable within one year42/48 | €79k | €32k | €18k | - | €7k | - |
| Current portion of amounts payable after more than one year42 | €46k | - | - | - | - | - |
| Trade debts44 | - | - | €10k | - | €21 | - |
| Suppliers440/4 | - | - | €10k | - | €21 | - |
| Advances received on contracts in progress46 | - | - | - | - | €7k | - |
| Taxes, remuneration and social security45 | €3k | €2k | €9k | - | - | - |
| Taxes450/3 | €3k | €2k | €9k | - | - | - |
| Other amounts payable47/48 | €30k | €30k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €271k | €9k | €8k | €383k | €11k | ▼ 97.2% |
| Operating cash flow (approximation) | €271k | €9k | €8k | €383k | €11k | ▼ 97.2% |
| Investment in fixed assets (approximation) | - | €0 | €27k | €0 | €0 | - |
| Change in cash | - | €-67k | €-5k | €-9k | €11k | ▲ 222% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €383k ▲4,609%
Net result €383k, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €8k ▼4.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 13.35
Current ratio from 5.16 to 13.35; short-term debt falls from €32k to €18k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 5.16
Current ratio from 1.27 to 5.16; short-term debt falls from €79k to €32k.
06-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 6 days late
2021
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
31-12
Financial
Liquidity times 13current ratio 1.46
Current ratio from 0.11 to 1.46; short-term debt falls from €462k to €101k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Schilde
Ground area
2,428 m²
Building footprint
245 m²
Volume, LiDAR
1,445 m³
Parcel 11039D0101/00C000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0101/00C000 | Flanders | 2,428 m² | 1 · 245 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 82,632 companies in sector 70200 we hold annual accounts for 52,575. 14,000 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.