Skip to content
Checked.be
Complete company report
Generated 18-08-2026
Active BE 0799.632.366Private limited company

ALMAS GROUP’S

Place de Ham,Ham 10 ·5190 Jemeppe-sur-Sambre, Belgium· 3 yrs active
Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of ALMAS GROUP’S is 2.6% (moderate). The 2024 annual accounts show equity of €3k and a net result of €46k. Its solvency ranks better than 31% of 6720 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €3k
Net result €46k
Staff (FTE) 1
Better than sector 31%
Financial profile 5 of 5 axes measured · computed by Checked
Health59Profitability73Solvency11Growth78Stability94
63 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 59
Profitability 73
Solvency 11
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.6% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
59 / 100 Fair
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 26-06-2025 with the NBB · fiscal year 2024 · micro
€-200k€0€200k€400k€600kOperating result 2023: €-65k€-65kNet result 2023: €-67k€-67kRevenue 2024: €528k€528kOperating result 2024: €52k€52kNet result 2024: €46k€46k20232024
RevenueOperating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 3.9% 20.4%
better than 31% of 6720 sector peers
Net result €46k €4k
better than 88% of 6701 sector peers
Equity €3k €16k
better than 32% of 6735 sector peers
Gross operating margin €83k €24k
better than 77% of 6680 sector peers
Staff costs €10k €33k
higher than 25% of 3047 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€528k
- 23-24
EBITDA
€54k
- 23-24
Net profit
€46k
- 23-24
Cash flow
€48k
- 23-24
Total assets
€75k
+86.2% 23-24
Equity
€3k
- 23-24
Working capital
€-8k
+87.3% 23-24
Employees (FTE)
1
0.0% 23-24
Show 13 other metrics
Staff costs
€10k
-70.8% 23-24
Income taxes
€5k
- 23-24
Debt
€72k
-30.7% 23-24
Debt ≤ 1y
€72k
-30.7% 23-24
Current ratio
0.89
+136.5% 23-24
Quick ratio
0.38
+13.0% 23-24
Solvency
3.9%
- 23-24
Debt / equity
24.36
- 23-24
ROE
1561.7%
+1391.8% 23-24
ROA
61.6%
- 23-24
Net margin
8.8%
- 23-24
EBITDA margin
10.2%
- 23-24
Interest coverage
121.98
- 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue€528k
EBITDA€54k
Net profit€46k
Cash flow€48k
Staff costs€10k
Income taxes€5k
Dividends-
Total assets€75k
Equity€3k
Debt€72k
of which ≤ 1y€72k
of which > 1y-
Working capital€-8k
Employees (FTE)1.0
Ratios (computed)
2024
Current ratio0.89
Quick ratio0.38
Working capital ratio-11.0%
Solvency3.9%
Debt / equity24.36
Long-term debt ratio-
Interest coverage121.98
Gross margin10.3%
Net margin8.8%
ROA61.6%
ROE1561.7%
EBITDA margin10.2%
Days sales outstanding14d
Days payable outstanding45d
Inventory turnover12.84
Days inventory (DSI)28d
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€75k
Fixed assets 21/28€11k
Tangible fixed assets 22/27€11k
Current assets 29/58€64k
Stocks & contracts in progress 3€37k
Amounts receivable within one year 40/41€24k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€75k
Equity 10/15€3k
Contributions / capital 10/11€24k
Accumulated profits (losses) 14€-21k
Amounts payable 17/49€72k
Amounts payable within one year 42/48€72k
Trade debts payable within one year 44€58k
Income statement
Turnover 70€528k
Gross operating margin 9900€83k
Operating result 9901€52k
Financial charges 65€440
Result before taxes 9903€52k
Income taxes 67/77€5k
Net result for the period 9904€46k
Result to be appropriated 9905€46k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Current directors & mandates
  • Saleem Almas
    Director
    State Gazette act 24082208 (30-05-2024)
    Current
    30-05-2024 → present
Former directors (3)
  • Mohammad Saleem
    Director
    State Gazette act 24082208 (30-05-2024)
    Former
    30-05-2024 → 30-06-2024
    2 events
    • 30-06-2024 Resigned· Director
    • 30-05-2024 Appointed· Director
  • Raza Umair
    Director
    State Gazette act 23050872 (14-04-2023)
    Former
    01-04-2023 → 30-05-2024
    2 events
    • 30-05-2024 Resigned· Director
    • 01-04-2023 Appointed· Director
  • Kilic Arif
    Director
    State Gazette act 23050872 (14-04-2023)
    Former
    - → 31-03-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form Private limited company(610)
Incorporation17-03-2023
StatusActive
Postal code5190
Establishment units 1 location
Supermarché Emin
Place de Ham,Ham 10, 5190 Jemeppe-sur-SambreDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)
since 20232.343.008.769
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92061A0677/00K002 Wallonia 1,665 m² 1 · 575 m² 12.0 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
26-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
27-09-2024
State Gazette act Director changes
16-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
30-05-2024
State Gazette act Director changes
2023
14-04-2023
State Gazette act Director changes
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 1 year ago
2024
27-09-2024 MOHAMMAD Saleem resigns as director Director changes
  • MOHAMMAD Saleem, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "MOHAMMAD Saleem",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-06-30",
      "evidence_quote": "M. MOHAMMAD Saleem n\u0027est plus administrateur \u00E0 partir du 30/06/2024. L\u0027assembl\u00E9e lui accorde la d\u00E9charge de sa gestion.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Liege",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-09-27",
    "filing_date": "2024-09-18",
    "act_kind_objet": "D\u00E9mission administrateur"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-06-30",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0799.632.366",
    "name_full": "ALMAS GROUP\u0027S",
    "legal_form": "SRL",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
30-05-2024 2 directors appointed, 1 resigning Director changes
  • Mohammad Saleem, Bestuurder
  • Saleem Almas, Bestuurder
  • Raza Umair, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Raza Umair",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "La d\u00E9mission de Mr Raza Umair en tant qu\u0027administrateur.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Raza Umair",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "On tui d\u00E9charge pour son mandat d\u0027administrateur.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": "66.04.10.659.67",
        "name": "Mohammad Saleem",
        "address": "Rue Ropsy Chaudron nr 10/03 \u00E0 1070 Anderlecht",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "La normination de Mr Mohammad Saleem domicili\u00E9e Rue Ropsy Chaudron nr 10/03 \u00E0 1070",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": "96.12.28.535.46",
        "name": "Saleem Almas",
        "address": "Rue Ropsy Chaudron nr 10/03 \u00E0 1070 Anderlecht",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Lanomination de Mr Saleem Almas domicili\u00E9 Rue Ropsy Chaudron nr 10/03 \u00E0 1070",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-04-18",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0799.632.366",
    "name_full": "Raza Group\u0027s",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
14-04-2023 1 director appointed, 1 resigning Director changes
  • Raza Umair, Bestuurder
  • Kilic Arif, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": "92.07.13.171.62",
        "name": "Kilic Arif",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2023-03-31",
      "evidence_quote": "La d\u00E9mission de Monsieur Kilic Arif NN 92.07.13.171.62 en tant qu\u0027administrateur en date du 31/03/2023. D\u00E9charge lui est donn\u00E9e pour les actes pos\u00E9s au cours de son mandat.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": "99.09.16.607.85",
        "name": "Raza Umair",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2023-04-01",
      "evidence_quote": "La nomination en tant qu\u0027administrateur de Monsieur Raza Umair NN 99.09.16.607.85 en date du 01/04/2023.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-03-31",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0799.632.366",
    "name_full": "RAZA GROUP\u0027S",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260Loterijen en kansspelen92000Activiteiten van loterijen en kansspelen92000
Primary activity highlighted.
Names & trade names
Legal nameFR ALMAS GROUP’S
Trade nameFR SALEEM SUPERMARKET
Registered office
Place de Ham,Ham 10
5190 Jemeppe-sur-Sambre, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 1,664 of 10,426 companies in this sector with filed accounts
NOËL Olivier BE 0791.656.590 · Thuin
DELJEET BE 0801.201.489 · Antwerpen
ESLEM 76 BE 1003.740.162 · Vilvoorde
KOHBAND BE 0767.596.038 · Etterbeek
MATABA BE 0755.597.336 · Elsene
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative