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BELMA TOURS

Active
Private limited company (pre-2019)founded 1996active for 30 yearsLouizalaan 231, 1050 Elsene, Belgium576 active companies are registered at this addressKBO/BCE: BE 0458.691.719
Summary

BELMA TOURS has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €181,319 and a net result of -€2,967. Equity is growing by about 5.8% per year across the filed financial years. Its solvency ranks better than 95% of 586 sector peers (NACE 79, financial year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisFollow ReportCompare
BELMA TOURSActiveChecked score 56/100
Risk analysis ReportCompare

Overview

Activity
Travel agency activities
NACE 79110
1 site
Size
€183,326total assets 2024
Equity
€181,319
Loss
-€2,967
Turnover not published (micro format)
Financial health
56 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
0.5%
Structure
Accounts 78 days overdue1 of 5 deeds read
Why 56raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 02-08-2025)1 change of registered office in 24 monthslowers riskLiquidity: current ratio 91.32, cash €174,011Founded in 1996Show the evidence

Checked score

Score 2024
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 62% of its sector peers (NACE 79, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency 100=
equity 98.9% of total assets
Liquidity 100+6
short-term debt 1.1% · cash 94.9%
Profitability 33-5
return on assets -1.6%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (998 companies, NACE 79, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: 0.1%▲ +0.1 percentage points vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.5%▲ +0.3 percentage points vs 09-2026highest value
Credit of up to €10,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 91.32, compared with 5.04 in 2023, above the usual 1.5; short-term debt: 1.1% and cash: 94.9% of total assets), and 1.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 79, micro): better than 93% on solvency, 97% on liquidity, 25% on profitability and 33% on growth.

The bankruptcy probability was computed on 16-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 02-08-2025)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Liquidity: current ratio 91.32, cash €174,011
NBB · annual accounts
lowers risk · Founded in 1996
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 78 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline17-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
1 day early
2023
30 days late
2022
5 days early
2021
2 days early
2020
51 days early
2019
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 5 days before the deadline; the sector median (NACE 79) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignation: BOUYAKOBI Salah (director)Appointment: Ucci Luigi (director) ·…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Liquidity more than 18 timescurrent ratio 91.32

Key points

  • Positive: Among the best 5% on solvencysector median 38.5% · 586 companies 98.9% View
  • Caution: Accounts not fileddeadline was 31-07-2026 78 days late View
  • Caution: Board changedlatest change 30-04-2026 · 1 in office 1 joined · 1 left View

By topic

Financials

Financial year
2024
Total assets
€183,326
Loss
-€2,967
Solvency
98.9%
Total assets▼ 20.2%
Net result
20182024
Go to Financials

Timeline

Events
34
Since
1998
  1. 30-08-2024Annual accounts filed
  2. 26-07-2023Annual accounts filed
  3. 29-07-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Travel agency activitiesNACE 79110
Founded
28-08-1996
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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