BLUMA STORE
ActiveSummary
BLUMA STORE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120,452 and a net result of €29,843. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+13
Solvency75▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 2.6 against 1.58 in 2024; short-term debt: 34.9% and cash: 10.7% of total assets), but 50.2% of the assets are financed with debt.
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Signals
Five 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 →
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
49.8%
Return on assets
12.3%
Age of the figures
13 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 29-04-2026, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
29 d late
2024
25 d early
2023
46 d early
2022
10 d early
2021
2 d early
2020
33 d early
2019
36 d early
← 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 18 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close27-09-2026 today31-03-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€29,843▲ 773%
2024 · €3,418
Working capital
€134,952▲ 112%
2024 · €63,582
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,737€26,370▼ 24.1%€27,817▲ 5.5%€5,019▼ 82.0%€42,387▲ 745%
Net result€34,114€25,349▼ 25.7%€21,519▼ 15.1%€3,418▼ 84.1%€29,843▲ 773%
Equity€40,324▲ 549%€65,673▲ 62.9%€87,192▲ 32.8%€90,610▲ 3.9%€120,452▲ 32.9%
Total assets€175,981▲ 33.4%€151,314▼ 14.0%€187,401▲ 23.8%€200,156▲ 6.8%€241,754▲ 20.8%
Debt€135,657▲ 7.9%€85,641▼ 36.9%€100,209▲ 17.0%€109,546▲ 9.3%€121,302▲ 10.7%
Working capital-€3,801▲ 90.2%€27,637€54,190▲ 96.1%€63,582▲ 17.3%€134,952▲ 112%
Staff (FTE)1.8▼ 21.7%1.9▲ 5.6%2▲ 5.3%1.9▼ 5.0%1.2▼ 36.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 745% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,754
Fixed assets
€22,441 ▼ 17.0%
Current assets
€219,313 ▲ 26.7%
Equity and liabilities €241,754
Equity
€120,452 ▲ 32.9%
Debt
€121,302 ▲ 10.7%
Debt's share of the balance-sheet total falls from 54.7% to 50.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49,107▲
2024 · €11,092
Cash flow
€36,563▲
2024 · €9,491
Current ratio
2.60▲
2024 · 1.58
Quick ratio
2.23▲
2024 · 1.30
Debt to equity
1.01▼
2024 · 1.21
ROE
24.8%▲
2024 · 3.8%
ROA
12.3%▲
2024 · 1.7%
Interest coverage
35.95▲
2024 · 9.74
Debt ≤ 1 year
€84,361▼
2024 · €109,546
Debt > 1 year
€36,941
Income taxes
€11,178▲
2024 · €462
Staff costs
€39,869▼
2024 · €57,070
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% 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 497,058 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% | 1.6% |
| 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 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 26,964 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €58,879 | €45,817 | €57,070 | €39,869 | ▼ 30.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,530 | €6,088 | €4,935 | €6,073 | €6,720 | ▲ 10.6% |
| Other operating charges640/8 | - | €833 | €747 | €908 | €1,547 | ▲ 70.4% |
| Gross operating margin9900 | €95,896 | €92,170 | €79,316 | €69,069 | €90,523 | ▲ 31.1% |
| Operating profit (loss)9901 | €34,737 | €26,370 | €27,817 | €5,019 | €42,387 | ▲ 745% |
| Financial income75/76B | - | €4 | - | - | - | - |
| Recurring financial income75 | - | €4 | - | - | - | - |
| Financial charges65/66B | - | €1,025 | €1,246 | €1,139 | €1,366 | ▲ 19.9% |
| Recurring financial charges65 | €623 | €1,025 | €1,246 | €1,139 | €1,366 | ▲ 19.9% |
| Profit (loss) for the period before taxes9903 | €34,114 | €25,349 | €26,571 | €3,879 | €41,021 | ▲ 957% |
| Income taxes67/77 | - | - | €5,052 | €462 | €11,178 | ▲ 2,320% |
| Profit (loss) for the period9904 | €34,114 | €25,349 | €21,519 | €3,418 | €29,843 | ▲ 773% |
| Profit (loss) for the period to be appropriated9905 | €34,114 | €25,349 | €21,519 | €3,418 | €29,843 | ▲ 773% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €175,981 | €151,314 | €187,401 | €200,156 | €241,754 | ▲ 20.8% |
| Fixed assets21/28 | €44,125 | €38,036 | €33,101 | €27,028 | €22,441 | ▼ 17.0% |
| Tangible fixed assets22/27 | €31,565 | €25,476 | €20,541 | €14,468 | €9,881 | ▼ 31.7% |
| Land and buildings22 | - | €25,476 | €20,541 | €14,468 | €8,394 | ▼ 42.0% |
| Plant, machinery and equipment23 | - | - | - | - | €1,486 | - |
| Financial fixed assets28 | €12,560 | €12,560 | €12,560 | €12,560 | €12,560 | = |
| Current assets29/58 | €131,856 | €113,278 | €154,300 | €173,129 | €219,313 | ▲ 26.7% |
| Stocks and contracts in progress3 | €31,198 | €20,250 | €31,255 | €31,255 | €31,255 | = |
| Stocks30/36 | - | €20,250 | €31,255 | €31,255 | €31,255 | = |
| Amounts receivable within one year40/41 | €53,364 | €1,678 | €70,855 | €50,000 | €127,548 | ▲ 155% |
| Trade receivables40 | - | €1,678 | €20,855 | €0 | €13,490 | - |
| Other amounts receivable41 | - | - | €50,000 | €50,000 | €114,058 | ▲ 128% |
| Cash at bank and in hand54/58 | €46,139 | €83,734 | €44,755 | €57,245 | €25,882 | ▼ 54.8% |
| Deferred charges and accrued income490/1 | - | €7,616 | €7,435 | €34,629 | €34,629 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €175,981 | €151,314 | €187,401 | €200,156 | €241,754 | ▲ 20.8% |
| Equity10/15 | €40,324 | €65,673 | €87,192 | €90,610 | €120,452 | ▲ 32.9% |
| Contributions10/11 | - | €6,400 | €6,400 | €6,400 | €6,400 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €32,064 | €57,413 | €78,932 | €82,350 | €112,192 | ▲ 36.2% |
| Amounts payable17/49 | €135,657 | €85,641 | €100,209 | €109,546 | €121,302 | ▲ 10.7% |
| Amounts payable after more than one year17 | - | - | - | - | €36,941 | - |
| Other amounts payable178/9 | - | - | - | - | €36,941 | - |
| Amounts payable within one year42/48 | €135,657 | €85,641 | €100,110 | €109,546 | €84,361 | ▼ 23.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €26,579 | - |
| Trade debts44 | €37,283 | €17,010 | €35,020 | €72,093 | €26,749 | ▼ 62.9% |
| Suppliers440/4 | - | €17,010 | €35,020 | €72,093 | €26,749 | ▼ 62.9% |
| Taxes, remuneration and social security45 | - | €10,009 | €16,340 | €20,453 | €19,861 | ▼ 2.9% |
| Taxes450/3 | - | €804 | €11,057 | €3,490 | €11,559 | ▲ 231% |
| Remuneration and social security454/9 | - | €9,205 | €5,283 | €16,963 | €8,302 | ▼ 51.1% |
| Other amounts payable47/48 | - | €58,622 | €48,750 | €17,000 | €11,172 | ▼ 34.3% |
| Accrued charges and deferred income492/3 | - | - | €99 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,114 | €25,349 | €21,519 | €3,418 | €29,843 | ▲ 773% |
| + Depreciation and write-downs630 | €7,530 | €6,088 | €4,935 | €6,073 | €6,720 | ▲ 10.6% |
| Operating cash flow (approximation) | €41,644 | €31,437 | €26,454 | €9,491 | €36,563 | ▲ 285% |
| Investment in fixed assets (approximation) | - | €1 | €0 | €0 | -€2,133 | ▼ 3,555,100% |
| Change in cash | - | €37,595 | -€38,979 | €12,490 | -€31,363 | ▼ 351% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-08
Financial
Equity above €100,000Eq €120,452 ▲32.9%
5 profitable years in a row build equity to €120,452.
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
Financial
Back to profitnet €34,114
Net result €34,114 after one loss-making year.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
Financial
Weakest financial yearnet -€27,161
Net result drops to -€27,161, the lowest in the series; recovery starts the following year.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Charleroi · 1 establishment unit since 2018
Ground area
1,734 m²
Parcel 52302A1138/00X000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SUPERDRY
since 20182.279.542.857
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52302A1138/00X000 | Wallonia | 1,734 m² | - | - |
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.
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Of 6,495 companies in sector 47716 we hold annual accounts for 2,439. 1,887 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
Founded08-08-2018
Fiscal year end31-08
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0700744628
Registered
17-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.