Beluma
ActiveSummary
Beluma has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102 and a net result of €8,675. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-16
Solvency25▲+16
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18626 sector peers (2025).
NBB · sector comparisonPosition among 18626 sector peers
Solvency
better than 23%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
59 d late
2022
15 d early
2021
30 d late
2020
15 d early
2019
61 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 16 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 30 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€102
2024 · -€8,573
Total assets
€69,590▲ 32.8%
2024 · €52,397
Net result
€8,675▼ 39.2%
2024 · €14,261
Working capital
-€4,611▲ 46.2%
2024 · -€8,573
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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-€16,962€2,640-€40,870€14,756€9,354▼ 36.6%
Net result-€16,864below the sector's middle half€3,192within the sector's middle half-€40,371below the sector's middle half€14,261within the sector's middle half€8,675within the sector's middle half▼ 39.2%
Equity€14,345within the sector's middle half▼ 54.0%€17,537within the sector's middle half▲ 22.3%-€22,834below the sector's middle half-€8,573below the sector's middle half▲ 62.5%€102below the sector's middle half
Total assets€122,504within the sector's middle half▲ 32.8%€72,601within the sector's middle half▼ 40.7%€90,603within the sector's middle half▲ 24.8%€52,397below the sector's middle half▼ 42.2%€69,590within the sector's middle half▲ 32.8%
Debt€108,159▲ 77.1%€55,064▼ 49.1%€113,437▲ 106%€60,970▼ 46.3%€69,488▲ 14.0%
Working capital€41,976within the sector's middle half▲ 54.1%€17,537within the sector's middle half▼ 58.2%-€22,834below the sector's middle half-€8,573within the sector's middle half▲ 62.5%-€4,611within the sector's middle half▲ 46.2%
Solvency11.7%within the sector's middle half▼ 22.1pp24.2%within the sector's middle half▲ 12.4pp-25.2%below the sector's middle half▼ 49.4pp-16.4%below the sector's middle half▲ 8.8pp0.1%below the sector's middle half▲ 16.5pp
Current ratio1.53within the sector's middle half▲ 0.091.32within the sector's middle half▼ 0.210.80below the sector's middle half▼ 0.520.86within the sector's middle half▲ 0.060.93within the sector's middle half▲ 0.07
Return on assets (ROA)-13.8%below the sector's middle half▼ 15.1pp4.4%within the sector's middle half▲ 18.2pp-44.6%below the sector's middle half▼ 49.0pp27.2%above the sector's middle half▲ 71.8pp12.5%within the sector's middle half▼ 14.8pp
Staff (FTE)1▲ 100%1=1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
Assets €69,590
Fixed assets
€4,713
Current assets
€64,877
Equity and liabilities €69,590
Equity
€102
Debt
€69,488
Debt finances 99.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€10,881
Cash flow
€10,202
Quick ratio
0.68▲
2024 · 0.59
Interest coverage
15.92
Debt ≤ 1 year
€69,488▲
2024 · €60,970
Income taxes
€94▼
2024 · €140
Staff costs
€27,938▲
2024 · €27,264
Equity ratios withheld: equity of €102 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 2,153 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,500 | - | - | €2,989 | €5,217 | ▲ 74.5% |
| Remuneration, social security and pensions62 | €22,771 | €22,100 | €25,264 | €27,264 | €27,938 | ▲ 2.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,353 | €1,618 | €0 | - | €1,527 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €916 | - |
| Other operating charges640/8 | €1,483 | €1,849 | €1,517 | €1,621 | €1,009 | ▼ 37.8% |
| Non-recurring operating charges66A | €460 | €0 | €452 | €1,707 | €0 | ▼ 100% |
| Gross operating margin9900 | €10,105 | €28,206 | -€13,637 | €45,349 | €40,745 | ▼ 10.2% |
| Operating profit (loss)9901 | -€16,962 | €2,640 | -€40,870 | €14,756 | €9,354 | ▼ 36.6% |
| Financial income75/76B | €1,177 | €1,120 | €1,010 | €72 | €98 | ▲ 37.4% |
| Recurring financial income75 | €1,177 | €1,120 | €1,010 | €72 | €98 | ▲ 37.4% |
| Non-recurring financial income76B | - | €0 | - | - | - | - |
| Financial charges65/66B | €938 | €427 | €379 | €427 | €683 | ▲ 60.1% |
| Recurring financial charges65 | €938 | €427 | €379 | €427 | €683 | ▲ 60.1% |
| Profit (loss) for the period before taxes9903 | -€16,723 | €3,332 | -€40,240 | €14,401 | €8,769 | ▼ 39.1% |
| Income taxes67/77 | €140 | €140 | €132 | €140 | €94 | ▼ 32.5% |
| Profit (loss) for the period9904 | -€16,864 | €3,192 | -€40,371 | €14,261 | €8,675 | ▼ 39.2% |
| Profit (loss) for the period to be appropriated9905 | -€16,864 | €3,192 | -€40,371 | €14,261 | €8,675 | ▼ 39.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €122,504 | €72,601 | €90,603 | €52,397 | €69,590 | ▲ 32.8% |
| Fixed assets21/28 | €1,618 | €0 | - | - | €4,713 | - |
| Tangible fixed assets22/27 | €1,618 | €0 | - | - | €4,713 | - |
| Furniture and vehicles24 | €1,618 | €0 | - | - | €4,713 | - |
| Current assets29/58 | €120,886 | €72,601 | €90,603 | €52,397 | €64,877 | ▲ 23.8% |
| Amounts receivable after more than one year29 | €45,000 | €35,000 | €35,000 | €0 | - | - |
| Trade receivables290 | €45,000 | €35,000 | €35,000 | €0 | - | - |
| Stocks and contracts in progress3 | €14,771 | €15,331 | €20,580 | €16,251 | €17,281 | ▲ 6.3% |
| Stocks30/36 | €14,771 | €15,331 | €20,580 | €16,251 | €17,281 | ▲ 6.3% |
| Amounts receivable within one year40/41 | €54,026 | €13,951 | €19,424 | €15,896 | €16,146 | ▲ 1.6% |
| Trade receivables40 | €54,026 | €9,911 | €9,257 | €12,445 | €15,166 | ▲ 21.9% |
| Other amounts receivable41 | - | €4,040 | €10,167 | €3,452 | €980 | ▼ 71.6% |
| Cash at bank and in hand54/58 | €7,089 | €8,318 | €15,598 | €20,250 | €31,451 | ▲ 55.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €122,504 | €72,601 | €90,603 | €52,397 | €69,590 | ▲ 32.8% |
| Equity10/15 | €14,345 | €17,537 | -€22,834 | -€8,573 | €102 | ▲ 101% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €12,609 | €12,609 | €12,609 | €12,609 | €12,609 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €10,749 | €10,749 | €12,609 | €12,609 | €12,609 | = |
| Profit (loss) carried forward14 | -€16,864 | -€13,672 | -€54,043 | -€39,782 | -€31,107 | ▲ 21.8% |
| Amounts payable17/49 | €108,159 | €55,064 | €113,437 | €60,970 | €69,488 | ▲ 14.0% |
| Amounts payable after more than one year17 | €25,000 | €0 | - | - | - | - |
| Other amounts payable178/9 | €25,000 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €78,910 | €55,064 | €113,437 | €60,970 | €69,488 | ▲ 14.0% |
| Trade debts44 | €67,831 | €43,661 | €100,668 | €50,756 | €44,175 | ▼ 13.0% |
| Suppliers440/4 | €67,831 | €43,661 | €100,668 | €50,756 | €44,175 | ▼ 13.0% |
| Taxes, remuneration and social security45 | €11,079 | €11,085 | €7,669 | €3,509 | €7,284 | ▲ 108% |
| Taxes450/3 | €6,545 | €8,564 | €3,937 | €70 | €3,904 | ▲ 5,474% |
| Remuneration and social security454/9 | €4,534 | €2,521 | €3,732 | €3,439 | €3,379 | ▼ 1.7% |
| Other amounts payable47/48 | - | €318 | €5,100 | €6,705 | €18,029 | ▲ 169% |
| Accrued charges and deferred income492/3 | €4,249 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€16,864 | €3,192 | -€40,371 | €14,261 | €8,675 | ▼ 39.2% |
| + Depreciation and write-downs630 | €2,353 | €1,618 | €0 | - | €1,527 | - |
| Operating cash flow (approximation) | -€14,510 | €4,810 | -€40,371 | €14,261 | €10,202 | ▼ 28.5% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | €1,229 | €7,280 | €4,652 | €11,200 | ▲ 141% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14,261
Net result €14,261 after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
31-12
Financial
Weakest financial yearnet -€40,371
Net result drops to -€40,371, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3,192
Net result €3,192 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 85 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Genk · 1 establishment unit since 2017
Ground area
4,452 m²
Building footprint
840 m²
Volume, LiDAR
5,865 m³
Parcel 71307H0002/00R118, Flanders · tallest building 14.5 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Beluma
since 20172.267.568.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0002/00R118 | Flanders | 4,452 m² | 1 · 840 m² | 14.4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 370 EUR awarded · 370 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 370 EUR | 370 EUR |
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Of 1,265 companies in sector 47300 we hold annual accounts for 951. 10 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
Founded17-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46810Wholesale of solid, liquid and gaseous fuels and related products
47300Retail sale of automotive fuel
46842Wholesale trade
82990Other business support services
90393Specialised image, lighting and sound technical services
90399Other support activities for arts and performing arts
93299Other amusement and recreation activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0679844789
Registered
15-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.