ALTRUY ENTREPRISE
ActiveALTRUY ENTREPRISE has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €19k. Equity is shrinking by ~40.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 82% of 2031 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-12
Solvency100▲+8
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 1.78 in 2024), and 28.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
71.6%
Return on assets
10.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
29 d late
2023
27 d late
2022
30 d early
2021
31 d early
2020
36 d early
2019
94 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k▼ 14.5%
2024 · €22k
2018: €7k
2019: €21k
2020: €100k
2021: €21k
2022: €13k
2023: €185k
2024: €22k
2018 → 2025
Working capital
€80k▲ 2.9%
2024 · €78k
2018: €401k
2019: €443k
2020: €541k
2021: €48k
2022: €-337k
2023: €73k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€610k-€129k▼ 78.9%€129k=€129k=€129k=
Operating result€34k-€19k▼ 44.4%€29k▲ 54.3%€28k▼ 3.8%€26k▼ 8.6%
Net result€21k-€13k▼ 38.6%€185k▲ 1,339%€22k▼ 88.1%€19k▼ 14.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€49k▼ 4.4%
Current assets
€131k▼ 26.4%
Equity and liabilities €180k
Equity
€129k=
Debt
€51k▼ 49.1%
The debt ratio falls from 43.8% to 28.4%: debt is paid down.
Key figures and ratios
EBITDA
€28k▼
2024 · €33k
Cash flow
€21k▼
2024 · €27k
Solvency
71.6%▲
2024 · 56.2%
Current ratio
2.57▲
2024 · 1.78
Quick ratio
2.57▲
2024 · 1.78
Debt / equity
0.40▼
2024 · 0.78
ROE
14.5%▼
2024 · 17.0%
ROA
10.4%▲
2024 · 9.6%
Interest coverage
161.43▲
2024 · 91.26
Debt
€51k▼
2024 · €100k
Debt ≤ 1 year
€51k▼
2024 · €100k
Income taxes
€7k▼
2024 · €8k
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€229k€180k▼
Fixed assets21/28€51k€49k▼
Tangible fixed assets22/27€45k€43k▼
Land and buildings22€45k€43k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€669€163▼
Financial fixed assets28€6k€6k=
Current assets29/58€178k€131k▼
Amounts receivable within one year40/41€169k€114k▼
Trade receivables40€14k€0▼
Other amounts receivable41€155k€114k▼
Current investments50/53€0-
Cash at bank and in hand54/58€9k€17k▲
Deferred charges and accrued income490/1€182€212▲
Equity and liabilities
Total equity and liabilities10/49€229k€180k▼
Equity10/15€129k€129k=
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€67k€67k=
Non-distributable reserves130/1€61k€61k=
Legal reserve130€6k€6k=
Reserves not available under the articles1311€55k€55k=
Tax-exempt reserves132€6k€6k=
Amounts payable17/49€100k€51k▼
Amounts payable within one year42/48€100k€51k▼
Trade debts44€305€575▲
Suppliers440/4€305€575▲
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Other amounts payable47/48€97k€41k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€11k€12k▲
Gross operating margin9900€44k€40k▼
Operating profit (loss)9901€28k€26k▼
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€365€174▼
Recurring financial charges65€365€174▼
Profit (loss) for the period before taxes9903€30k€26k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€22k€19k▼
Profit (loss) for the period to be appropriated9905€22k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€19k▼
Profit to be distributed694/7€22k€19k▼
Return on contributions (dividend)694-€19k
Directors or managers695€22k-
The notes to these accounts (4 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 7 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €185k ▲1339%
Net result €185k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 1.39
Current ratio from 0.34 to 1.39; short-term debt falls from €510k to €186k.
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €1MEq €1.06M ▲10.4%
3 profitable years in a row build equity to €1.06M.
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 94 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beloeil · 1 establishment unit since 1975
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.
Rue Ste Brigitte (Thu) 1007971 Beloeil1 establishment unit
Rue Ste Brigitte (Thu) 100, 7971 Beloeil
since 19752.010.813.265
Similar companies · same sector, comparable size
VOS CHASSIS
BE 1003.981.474
Grimbergen · Eq €129k
Schilderwerken Volckaert Christof
BE 0879.626.781
Zottegem · Eq €129k
DEKIMPE SCHILDER- EN DECORATIEWERKEN
BE 0521.759.139
Nazareth-De Pinte · Eq €129k
SCHILDER- & DECORATIEWERKEN VAN DER STEENE
BE 0823.220.786
Ichtegem · Eq €129k
MORCA
BE 0727.644.213
Gent · Eq €129k
Of 7,817 companies in sector 43341 we hold annual accounts for 2,639. 2,180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1975
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
45441
43333Wallpapering and laying of floor and wall coverings in other materials
43343Specialised construction activities
43350Other building finishing work
45433
47530Retail trade
52486
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
Rapport de gestion. Approbation des comptes annuels au 31 décembre 2004. Décharge aux administrateurs. (19723) Michel Altruy & fils, société anonyme, rue Octave Bataille 61, 7971 Basècles Numéro d’entreprise 0414.815.055 Assemblée générale le 11 juin 2005, à 15 heures, au siège social. — Agenda : Rapport C.A. Approbation comptes annuels. Affectation résultat. Décharge administrateurs. Divers. (19724) Turneria, société anonyme, avenue Princesse Paola 23, 1180 Bruxelles Numéro d’entreprise 0451.402.069 Assemblée générale le 10 juin 2005, à 18 heures, au siège social. — Agenda : Rapport C.A. Approbation comptes annuels. Affectation résultat. Décharge administrateurs. Divers. (19725) Caravagio, ...