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 €120k and a net result of €30k. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 18400 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 €8k 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 →
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 close25-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€30k▲ 773%
2024 · €3k
Working capital
€135k▲ 112%
2024 · €64k
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€35k€26k▼ 24.1%€28k▲ 5.5%€5k▼ 82.0%€42k▲ 745%
Net result€34k€25k▼ 25.7%€22k▼ 15.1%€3k▼ 84.1%€30k▲ 773%
Equity€40k▲ 549%€66k▲ 62.9%€87k▲ 32.8%€91k▲ 3.9%€120k▲ 32.9%
Total assets€176k▲ 33.4%€151k▼ 14.0%€187k▲ 23.8%€200k▲ 6.8%€242k▲ 20.8%
Debt€136k▲ 7.9%€86k▼ 36.9%€100k▲ 17.0%€110k▲ 9.3%€121k▲ 10.7%
Working capital€-4k▲ 90.2%€28k€54k▲ 96.1%€64k▲ 17.3%€135k▲ 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 €242k
Fixed assets
€22k ▼ 17.0%
Current assets
€219k ▲ 26.7%
Equity and liabilities €242k
Equity
€120k ▲ 32.9%
Debt
€121k ▲ 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
€49k▲
2024 · €11k
Cash flow
€37k▲
2024 · €9k
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
€84k▼
2024 · €110k
Debt > 1 year
€37k
Income taxes
€11k▲
2024 · €462
Staff costs
€40k▼
2024 · €57k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €59k | €46k | €57k | €40k | ▼ 30.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €6k | €5k | €6k | €7k | ▲ 10.6% |
| Other operating charges640/8 | - | €833 | €747 | €908 | €2k | ▲ 70.4% |
| Gross operating margin9900 | €96k | €92k | €79k | €69k | €91k | ▲ 31.1% |
| Operating profit (loss)9901 | €35k | €26k | €28k | €5k | €42k | ▲ 745% |
| Financial income75/76B | - | €4 | - | - | - | - |
| Recurring financial income75 | - | €4 | - | - | - | - |
| Financial charges65/66B | - | €1k | €1k | €1k | €1k | ▲ 19.9% |
| Recurring financial charges65 | €623 | €1k | €1k | €1k | €1k | ▲ 19.9% |
| Profit (loss) for the period before taxes9903 | €34k | €25k | €27k | €4k | €41k | ▲ 957% |
| Income taxes67/77 | - | - | €5k | €462 | €11k | ▲ 2,320% |
| Profit (loss) for the period9904 | €34k | €25k | €22k | €3k | €30k | ▲ 773% |
| Profit (loss) for the period to be appropriated9905 | €34k | €25k | €22k | €3k | €30k | ▲ 773% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €176k | €151k | €187k | €200k | €242k | ▲ 20.8% |
| Fixed assets21/28 | €44k | €38k | €33k | €27k | €22k | ▼ 17.0% |
| Tangible fixed assets22/27 | €32k | €25k | €21k | €14k | €10k | ▼ 31.7% |
| Land and buildings22 | - | €25k | €21k | €14k | €8k | ▼ 42.0% |
| Plant, machinery and equipment23 | - | - | - | - | €1k | - |
| Financial fixed assets28 | €13k | €13k | €13k | €13k | €13k | = |
| Current assets29/58 | €132k | €113k | €154k | €173k | €219k | ▲ 26.7% |
| Stocks and contracts in progress3 | €31k | €20k | €31k | €31k | €31k | = |
| Stocks30/36 | - | €20k | €31k | €31k | €31k | = |
| Amounts receivable within one year40/41 | €53k | €2k | €71k | €50k | €128k | ▲ 155% |
| Trade receivables40 | - | €2k | €21k | €0 | €13k | - |
| Other amounts receivable41 | - | - | €50k | €50k | €114k | ▲ 128% |
| Cash at bank and in hand54/58 | €46k | €84k | €45k | €57k | €26k | ▼ 54.8% |
| Deferred charges and accrued income490/1 | - | €8k | €7k | €35k | €35k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €176k | €151k | €187k | €200k | €242k | ▲ 20.8% |
| Equity10/15 | €40k | €66k | €87k | €91k | €120k | ▲ 32.9% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €32k | €57k | €79k | €82k | €112k | ▲ 36.2% |
| Amounts payable17/49 | €136k | €86k | €100k | €110k | €121k | ▲ 10.7% |
| Amounts payable after more than one year17 | - | - | - | - | €37k | - |
| Other amounts payable178/9 | - | - | - | - | €37k | - |
| Amounts payable within one year42/48 | €136k | €86k | €100k | €110k | €84k | ▼ 23.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €27k | - |
| Trade debts44 | €37k | €17k | €35k | €72k | €27k | ▼ 62.9% |
| Suppliers440/4 | - | €17k | €35k | €72k | €27k | ▼ 62.9% |
| Taxes, remuneration and social security45 | - | €10k | €16k | €20k | €20k | ▼ 2.9% |
| Taxes450/3 | - | €804 | €11k | €3k | €12k | ▲ 231% |
| Remuneration and social security454/9 | - | €9k | €5k | €17k | €8k | ▼ 51.1% |
| Other amounts payable47/48 | - | €59k | €49k | €17k | €11k | ▼ 34.3% |
| Accrued charges and deferred income492/3 | - | - | €99 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34k | €25k | €22k | €3k | €30k | ▲ 773% |
| + Depreciation and write-downs630 | €8k | €6k | €5k | €6k | €7k | ▲ 10.6% |
| Operating cash flow (approximation) | €42k | €31k | €26k | €9k | €37k | ▲ 285% |
| Investment in fixed assets (approximation) | - | €1 | €0 | €0 | €-2k | ▼ 3,555,100% |
| Change in cash | - | €38k | €-39k | €12k | €-31k | ▼ 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.
More with these figures Sector benchmark What changed Value indication
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 €100kEq €120k ▲32.9%
5 profitable years in a row build equity to €120k.
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 €34k
Net result €34k after one loss-making year.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, 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 6,498 companies in sector 47716 we hold annual accounts for 2,438. 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)
Scores and ratios are computed by Checked and are not a credit decision.