BLOUM
ActiveSummary
BLOUM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €79,412 and a net result of -€17,978. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability2▼-17
Solvency84▼-16
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 2.76 against 3.81 in 2023; short-term debt: 26.2% and cash: 38.3% of total assets), and 41.2% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
58.8%
Return on assets
-13.3%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€17,978
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 23-06-2026, 38 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
38 d early
2024
27 d early
2023
12 d late
2022
17 d early
2021
18 d late
2020
23 d late
2019
24 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 1 day before 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 14 July (4 of the last 5 filed years within 30 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 2024, micro schema
Equity
€79,412▼ 11.6%
2023 · €89,858
Total assets
€135,115▲ 14.6%
2023 · €117,917
Net result
-€17,978▼ 169%
2023 · -€6,675
Working capital
€62,184▼ 20.6%
2023 · €78,312
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
Line20202021202220232024
Operating result€19,912€30,992▲ 55.6%€5,451▼ 82.4%-€2,950-€12,729▼ 332%
Net result€17,708within the sector's middle half€20,698within the sector's middle half▲ 16.9%€2,146within the sector's middle half▼ 89.6%-€6,675below the sector's middle half-€17,978below the sector's middle half▼ 169%
Equity€45,090within the sector's middle half▲ 146%€87,697within the sector's middle half▲ 94.5%€90,955within the sector's middle half▲ 3.7%€89,858within the sector's middle half▼ 1.2%€79,412within the sector's middle half▼ 11.6%
Total assets€76,404within the sector's middle half▲ 84.5%€138,807within the sector's middle half▲ 81.7%€137,366within the sector's middle half▼ 1.0%€117,917within the sector's middle half▼ 14.2%€135,115within the sector's middle half▲ 14.6%
Debt€31,314▲ 35.6%€51,110▲ 63.2%€46,411▼ 9.2%€28,059▼ 39.5%€55,703▲ 98.5%
Working capital€35,108within the sector's middle half▲ 242%€74,794within the sector's middle half▲ 113%€85,115above the sector's middle half▲ 13.8%€78,312within the sector's middle half▼ 8.0%€62,184within the sector's middle half▼ 20.6%
Solvency59.0%within the sector's middle half▲ 14.8pp63.2%above the sector's middle half▲ 4.2pp66.2%above the sector's middle half▲ 3.0pp76.2%above the sector's middle half▲ 10.0pp58.8%within the sector's middle half▼ 17.4pp
Current ratio2.12within the sector's middle half▲ 0.682.62within the sector's middle half▲ 0.503.06above the sector's middle half▲ 0.433.81above the sector's middle half▲ 0.762.76within the sector's middle half▼ 1.05
Return on assets (ROA)23.2%above the sector's middle half▲ 35.9pp14.9%above the sector's middle half▼ 8.3pp1.6%within the sector's middle half▼ 13.3pp-5.7%below the sector's middle half▼ 7.2pp-13.3%below the sector's middle half▼ 7.6pp
Staff (FTE)3.2above the sector's middle half▲ 23.1%7.9▲ 147%6.9▼ 12.7%7.1▲ 2.9%7.6▲ 7.0%
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 stays negative: a loss of €12,729 in 2024 against €2,950 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €135,115
Fixed assets
€37,547 ▲ 220%
Current assets
€97,568 ▼ 8.1%
Equity and liabilities €135,115
Equity
€79,412 ▼ 11.6%
Debt
€55,703 ▲ 98.5%
Debt's share of the balance-sheet total rises from 23.8% to 41.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€5,345▼
2023 · €3,509
Cash flow
-€10,593▼
2023 · -€216
Quick ratio
1.71▼
2023 · 2.49
Debt to equity
0.70▲
2023 · 0.31
ROE
-22.6%▼
2023 · -7.4%
Interest coverage
-0.98▼
2023 · 0.91
Debt ≤ 1 year
€35,384▲
2023 · €27,857
Debt > 1 year
€20,319
Staff costs
€187,425▲
2023 · €155,094
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
9.5%
stopped otherwise
87%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 3,592 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €97,652 | €113,148 | €155,094 | €187,425 | ▲ 20.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,757 | €6,027 | €7,063 | €6,459 | €7,384 | ▲ 14.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1,312 | €236 | -€2,286 | - | - |
| Other operating charges640/8 | - | - | €150 | - | - | - |
| Non-recurring operating charges66A | - | - | - | - | €98 | - |
| Gross operating margin9900 | €102,733 | €135,984 | €126,048 | €156,317 | €182,178 | ▲ 16.5% |
| Operating profit (loss)9901 | €19,912 | €30,992 | €5,451 | -€2,950 | -€12,729 | ▼ 332% |
| Financial income75/76B | - | €172 | €2 | €4 | €206 | ▲ 5,780% |
| Recurring financial income75 | €586 | €172 | €2 | €4 | €206 | ▲ 5,780% |
| Financial charges65/66B | - | €3,439 | €2,790 | €3,851 | €5,455 | ▲ 41.6% |
| Recurring financial charges65 | €2,451 | €3,439 | €2,790 | €3,851 | €5,455 | ▲ 41.6% |
| Profit (loss) for the period before taxes9903 | €18,048 | €27,725 | €2,663 | -€6,797 | -€17,978 | ▼ 164% |
| Income taxes67/77 | €340 | €7,027 | €516 | -€123 | - | - |
| Profit (loss) for the period9904 | €17,708 | €20,698 | €2,146 | -€6,675 | -€17,978 | ▼ 169% |
| Profit (loss) for the period to be appropriated9905 | €17,708 | €20,698 | €2,146 | -€6,675 | -€17,978 | ▼ 169% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €76,404 | €138,807 | €137,366 | €117,917 | €135,115 | ▲ 14.6% |
| Fixed assets21/28 | €9,982 | €17,921 | €10,858 | €11,748 | €37,547 | ▲ 220% |
| Intangible fixed assets21 | - | - | - | €0 | - | - |
| Tangible fixed assets22/27 | €7,687 | €15,126 | €8,063 | €8,953 | €34,752 | ▲ 288% |
| Furniture and vehicles24 | - | €14,246 | €7,623 | €8,953 | €20,855 | ▲ 133% |
| Other tangible fixed assets26 | - | €880 | €440 | - | €13,897 | - |
| Financial fixed assets28 | €2,295 | €2,795 | €2,795 | €2,795 | €2,795 | = |
| Current assets29/58 | €66,422 | €120,886 | €126,508 | €106,169 | €97,568 | ▼ 8.1% |
| Stocks and contracts in progress3 | €15,142 | €22,577 | €26,750 | €36,755 | €37,015 | ▲ 0.7% |
| Stocks30/36 | - | €22,577 | €26,750 | €36,755 | €37,015 | ▲ 0.7% |
| Amounts receivable within one year40/41 | €3,439 | €8,516 | €1,852 | €2,560 | €8,113 | ▲ 217% |
| Trade receivables40 | - | €3,969 | €1,252 | €2,478 | €2,023 | ▼ 18.4% |
| Other amounts receivable41 | - | €4,546 | €600 | €81 | €6,090 | ▲ 7,398% |
| Cash at bank and in hand54/58 | €47,733 | €89,489 | €97,091 | €63,975 | €51,761 | ▼ 19.1% |
| Deferred charges and accrued income490/1 | - | €305 | €815 | €2,880 | €679 | ▼ 76.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €76,404 | €138,807 | €137,366 | €117,917 | €135,115 | ▲ 14.6% |
| Equity10/15 | €45,090 | €87,697 | €90,955 | €89,858 | €79,412 | ▼ 11.6% |
| Contributions10/11 | €7,000 | €54,246 | €59,846 | €69,913 | €73,310 | ▲ 4.9% |
| Capital10 | - | €7,000 | €7,000 | €7,000 | - | - |
| Issued capital100 | - | €7,000 | €7,000 | €7,000 | - | - |
| Outside capital11 | - | €47,246 | €52,846 | €62,913 | - | - |
| Other1109/19 | - | €47,246 | €52,846 | €62,913 | - | - |
| Reserves13 | €150 | €1,450 | €1,450 | €1,450 | €6,617 | ▲ 356% |
| Non-distributable reserves130/1 | - | €1,450 | €1,450 | €1,450 | €6,617 | ▲ 356% |
| Legal reserve130 | - | €1,450 | €1,450 | €1,450 | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €5,167 | - |
| Other1319 | - | - | - | - | €1,450 | - |
| Profit (loss) carried forward14 | €2,594 | €21,992 | €24,138 | €17,464 | -€514 | ▼ 103% |
| Investment grants15 | - | €10,009 | €5,521 | €1,032 | €0 | ▼ 100% |
| Amounts payable17/49 | €31,314 | €51,110 | €46,411 | €28,059 | €55,703 | ▲ 98.5% |
| Amounts payable after more than one year17 | - | - | - | - | €20,319 | - |
| Financial debts170/4 | - | - | - | - | €20,319 | - |
| Amounts payable within one year42/48 | €31,314 | €46,092 | €41,394 | €27,857 | €35,384 | ▲ 27.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €5,850 | - |
| Trade debts44 | €15,881 | €20,717 | €21,397 | €21,498 | €7,465 | ▼ 65.3% |
| Suppliers440/4 | - | €20,717 | €21,397 | €21,498 | €7,465 | ▼ 65.3% |
| Taxes, remuneration and social security45 | - | €18,049 | €12,943 | €6,191 | €20,624 | ▲ 233% |
| Taxes450/3 | - | €7,798 | €952 | - | - | - |
| Remuneration and social security454/9 | - | €10,251 | €11,991 | €6,191 | €20,624 | ▲ 233% |
| Other amounts payable47/48 | - | €7,327 | €7,054 | €168 | €1,444 | ▲ 758% |
| Accrued charges and deferred income492/3 | - | €5,018 | €5,018 | €202 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,708 | €20,698 | €2,146 | -€6,675 | -€17,978 | ▼ 169% |
| + Depreciation and write-downs630 | €2,757 | €6,027 | €7,063 | €6,459 | €7,384 | ▲ 14.3% |
| Operating cash flow (approximation) | €20,464 | €26,725 | €9,209 | -€216 | -€10,593 | ▼ 4,804% |
| Investment in fixed assets (approximation) | - | -€13,966 | €0 | -€7,349 | -€33,183 | ▼ 352% |
| Change in cash | - | €41,756 | €7,602 | -€33,116 | -€12,214 | ▲ 63.1% |
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
16-07
State Gazette act
Resignations: Philippe Dufrasne (director) and Matthieu Christmann (director)10 facts ▸
State Gazette act
Resignations: Philippe Dufrasne (director) and Matthieu Christmann (director)
10 facts ▸
- General meeting, 10-06-2026
- Director resignation, Philippe Dufrasne
- Board composition, Egil Franssen (director)
- Board composition, Lucie Véteau (director)
- Board composition, Alexandre Fiévez (director)
- Board composition, Véronique Lefevere (director)
- Board composition, Sonia Mladin (director)
- Board meeting, 15-06-2026
- Director resignation, Matthieu Christmann
- Other statement, gestion journalière, retrait
23-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€17,978
Net result drops to -€17,978, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Highest result since 2018net €20,698 ▲16.9%
Operating result €30,992, net result €20,698, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €17,708
Net result €17,708 after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Vorst · 2 establishment units since 2016
Ground area
543 m²
Building footprint
325 m²
Volume, LiDAR
5,667 m³
2 parcels, Brussels · tallest building 20.7 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Bloum
since 20162.259.236.007
BLOUM
since 20172.261.383.467
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0069/00F053 | Brussels | 356 m² | 1 · 250 m² | 20.7 m · 6 fl. |
| 21007A0064/00H004 | Brussels | 187 m² | 1 · 76 m² | 17.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Matthieu Christmann |
|
| Philippe Dufrasne |
|
Recognitions · licences · registrations
Food safety, FASFC
1 siteVorst2.261.383.467
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Of 2,474 companies in sector 47279 we hold annual accounts for 949. 781 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCooperative company
Founded09-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
47279Other retail sale of food
47210Retail sale of fruit and vegetables
Contact
E-mail
info@bloum.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0667585177
Registered
16-12-2025
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.