ALMOZON
ActiveSummary
ALMOZON has been active since 1992 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags). The 2025 annual accounts show equity of €83,460 and a net result of -€301. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▼-48
Solvency100=
Growth58=
Track record84
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 4.71 against 20.82 in 2024; short-term debt: 20.7% and cash: 4.4% of total assets), and 21.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
145 d late
2023
478 d late
2022
73 d late
2021
438 d late
2020
802 d late
2019
1213 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 454 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Late accounts filingStrikeout withdrawn
Checked, nothing found (1)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€83,460▼ 0.4%
2024 · €83,761
Total assets
€106,100▲ 20.3%
2024 · €88,221
Net result
-€301
2024 · €5,172
Working capital
€81,273▲ 0.6%
2024 · €80,807
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,217▲ 6.0%€4,817▲ 117%€2,114▼ 56.1%€8,139▲ 285%€749▼ 90.8%
Net result€2,921below the sector's middle half▲ 117%€5,849within the sector's middle half▲ 100%€1,407within the sector's middle half▼ 75.9%€5,172within the sector's middle half▲ 268%-€301within the sector's middle half
Equity€105,406below the sector's middle half▲ 2.9%€111,255below the sector's middle half▲ 5.5%€78,589within the sector's middle half▼ 29.4%€83,761within the sector's middle half▲ 6.6%€83,460below the sector's middle half▼ 0.4%
Total assets€109,759below the sector's middle half▲ 2.5%€115,496below the sector's middle half▲ 5.2%€85,926within the sector's middle half▼ 25.6%€88,221within the sector's middle half▲ 2.7%€106,100below the sector's middle half▲ 20.3%
Debt€4,353▼ 5.4%€4,241▼ 2.6%€7,337▲ 73.0%€4,460▼ 39.2%€22,640▲ 408%
Working capital€102,100within the sector's middle half▲ 9.7%€105,268within the sector's middle half▲ 3.1%€76,676within the sector's middle half▼ 27.2%€80,807within the sector's middle half▲ 5.4%€81,273within the sector's middle half▲ 0.6%
Solvency96.0%above the sector's middle half▲ 0.3pp96.3%above the sector's middle half▲ 0.3pp91.5%above the sector's middle half▼ 4.9pp94.9%above the sector's middle half▲ 3.5pp78.7%above the sector's middle half▼ 16.3pp
Current ratio24.46above the sector's middle half▲ 3.2325.82above the sector's middle half▲ 1.3711.45above the sector's middle half▼ 14.3720.82above the sector's middle half▲ 9.374.71above the sector's middle half▼ 16.11
Return on assets (ROA)2.7%within the sector's middle half▲ 1.4pp5.1%within the sector's middle half▲ 2.4pp1.6%within the sector's middle half▼ 3.4pp5.9%within the sector's middle half▲ 4.2pp-0.3%below the sector's middle half▼ 6.1pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106,100
Fixed assets
€2,917 ▼ 12.6%
Current assets
€103,183 ▲ 21.6%
Equity and liabilities €106,100
Equity
€83,460 ▼ 0.4%
Debt
€22,640 ▲ 408%
Debt's share of the balance-sheet total rises from 5.1% to 21.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1,451▼
2024 · €8,913
Cash flow
€401▼
2024 · €5,946
Debt to equity
0.27▲
2024 · 0.05
ROE
-0.4%▼
2024 · 6.2%
Interest coverage
1.15▼
2024 · 7.97
Debt ≤ 1 year
€21,910▲
2024 · €4,077
Income taxes
€33▼
2024 · €2,462
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,944 | €2,383 | €703 | €774 | €702 | ▼ 9.3% |
| Other operating charges640/8 | €1,818 | €1,915 | €2,154 | €1,488 | €2,992 | ▲ 101% |
| Gross operating margin9900 | €5,979 | €9,115 | €4,971 | €10,401 | €4,443 | ▼ 57.3% |
| Operating profit (loss)9901 | €2,217 | €4,817 | €2,114 | €8,139 | €749 | ▼ 90.8% |
| Financial income75/76B | €2,016 | €2,434 | €718 | €613 | €243 | ▼ 60.4% |
| Recurring financial income75 | €2,016 | €2,434 | €718 | €613 | €243 | ▼ 60.4% |
| Financial charges65/66B | €980 | €1,112 | €997 | €1,118 | €1,260 | ▲ 12.7% |
| Recurring financial charges65 | €980 | €1,112 | €997 | €1,118 | €1,260 | ▲ 12.7% |
| Profit (loss) for the period before taxes9903 | €3,253 | €6,139 | €1,835 | €7,634 | -€268 | ▼ 104% |
| Income taxes67/77 | €332 | €290 | €428 | €2,462 | €33 | ▼ 98.7% |
| Profit (loss) for the period9904 | €2,921 | €5,849 | €1,407 | €5,172 | -€301 | ▼ 106% |
| Profit (loss) for the period to be appropriated9905 | €2,921 | €5,849 | €1,407 | €5,172 | -€301 | ▼ 106% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €109,759 | €115,496 | €85,926 | €88,221 | €106,100 | ▲ 20.3% |
| Fixed assets21/28 | €3,306 | €5,987 | €1,913 | €3,337 | €2,917 | ▼ 12.6% |
| Tangible fixed assets22/27 | €3,306 | €5,987 | €1,913 | €3,337 | €2,917 | ▼ 12.6% |
| Plant, machinery and equipment23 | €3,306 | €5,987 | €1,913 | €2,203 | €1,525 | ▼ 30.8% |
| Furniture and vehicles24 | - | - | - | €1,134 | €1,392 | ▲ 22.8% |
| Current assets29/58 | €106,453 | €109,509 | €84,013 | €84,884 | €103,183 | ▲ 21.6% |
| Stocks and contracts in progress3 | €4,111 | €7,713 | - | - | - | - |
| Stocks30/36 | €4,111 | €7,713 | - | - | - | - |
| Amounts receivable within one year40/41 | €44,350 | €55,042 | €31,182 | €35,266 | €97,820 | ▲ 177% |
| Trade receivables40 | €19,818 | €29,425 | €8,960 | €10,502 | €68,838 | ▲ 555% |
| Other amounts receivable41 | €24,532 | €25,617 | €22,222 | €24,764 | €28,982 | ▲ 17.0% |
| Cash at bank and in hand54/58 | €57,381 | €45,237 | €4,159 | €1,447 | €4,710 | ▲ 226% |
| Deferred charges and accrued income490/1 | €611 | €1,517 | €48,672 | €48,171 | €653 | ▼ 98.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €109,759 | €115,496 | €85,926 | €88,221 | €106,100 | ▲ 20.3% |
| Equity10/15 | €105,406 | €111,255 | €78,589 | €83,761 | €83,460 | ▼ 0.4% |
| Contributions10/11 | €88,349 | €88,349 | €88,349 | €88,349 | €88,349 | = |
| Capital10 | €88,349 | €88,349 | €88,349 | €88,349 | €88,349 | = |
| Issued capital100 | €88,349 | €88,349 | €88,349 | €88,349 | €88,349 | = |
| Reserves13 | €91,175 | €91,175 | €91,175 | €91,175 | €90,874 | ▼ 0.3% |
| Non-distributable reserves130/1 | €8,835 | €8,835 | €8,835 | €8,835 | €8,835 | = |
| Legal reserve130 | €8,835 | €8,835 | €8,835 | €8,835 | €8,835 | = |
| Distributable reserves133 | €82,340 | €82,340 | €82,340 | €82,340 | €82,039 | ▼ 0.4% |
| Profit (loss) carried forward14 | -€74,118 | -€68,269 | -€100,935 | -€95,763 | -€95,763 | = |
| Amounts payable17/49 | €4,353 | €4,241 | €7,337 | €4,460 | €22,640 | ▲ 408% |
| Amounts payable within one year42/48 | €4,353 | €4,241 | €7,337 | €4,077 | €21,910 | ▲ 437% |
| Trade debts44 | €3,980 | €3,337 | - | - | €8,981 | - |
| Suppliers440/4 | €3,980 | €3,337 | - | - | €8,981 | - |
| Taxes, remuneration and social security45 | €373 | €555 | €4,932 | €70 | €4,216 | ▲ 5,923% |
| Taxes450/3 | €373 | €555 | €4,526 | €70 | €4,216 | ▲ 5,923% |
| Remuneration and social security454/9 | - | - | €406 | - | - | - |
| Other amounts payable47/48 | - | €349 | €2,405 | €4,007 | €8,713 | ▲ 117% |
| Accrued charges and deferred income492/3 | - | - | - | €383 | €730 | ▲ 90.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,921 | €5,849 | €1,407 | €5,172 | -€301 | ▼ 106% |
| + Depreciation and write-downs630 | €1,944 | €2,383 | €703 | €774 | €702 | ▼ 9.3% |
| Operating cash flow (approximation) | €4,865 | €8,232 | €2,110 | €5,946 | €401 | ▼ 93.3% |
| Investment in fixed assets (approximation) | - | -€5,064 | €3,371 | -€2,198 | -€282 | ▲ 87.2% |
| Change in cash | - | -€12,143 | -€41,078 | -€2,712 | €3,263 | ▲ 220% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 145 days late
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 478 days late
2023
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 1213 days late
27-10
KBO administration
Strikeout withdrawn
event 12-10-2023
12-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 73 days late
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 438 days late
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 802 days late
15-09
KBO administration
Late accounts filing
2022
31-12
Financial
Highest result since 2018net €5,849 ▲100%
Net result €5,849, the highest in the series.
2020
31-12
Financial
Back to profitnet €1,348
Net result €1,348 after 2 loss-making years.
2019
31-12
Financial
Liquidity triplescurrent ratio 18.89
Current ratio from 7.39 to 18.89; short-term debt falls from €14,322 to €4,619.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Kruisem · 1 establishment unit since 1992
Ground area
727 m²
Building footprint
158 m²
Volume, LiDAR
862 m³
Parcel 45057A0466/00R000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Berkenhof 4, 9750 Kruisem
since 19922.058.325.449
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45057A0466/00R000 | Flanders | 727 m² | 1 · 158 m² | 9.1 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.
Similar companies · same sector, comparable size
(a)MEDIA
BE 0465.110.941
Steenokkerzeel · Eq €83,478
Product Media Group
BE 0413.325.611
Bonheiden · Eq €83,645
BENEMAS
BE 0840.506.780
Antwerpen · Eq €84,274
Sal Giftware Europe Trading
BE 0891.840.863
Antwerpen · Eq €81,717
KARAMAT INTERNATIONAL
BE 0465.498.050
Anderlecht · Eq €81,698
Of 1,567 companies in sector 46900 we hold annual accounts for 920. 582 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-07-1992
Fiscal year end31-12
Activities, NACEBEL 2025
46900Non-specialised wholesale trade
43350Other building finishing work
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447817227
Also
9925:BE0447817227
Registered
30-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.