L'anima
ActiveSummary
L'anima has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €581,378 and a net result of €11,810. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 83% of 11693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
What they do
Agents in non-specialised wholesale trade
NACE 46190NACE 51190
1 site
How big
€710,360total assets 2025
- Equity
- €581,378
- Profit
- €11,810
Turnover not published (abridged schema)
Who decides
Accounts filed 31 d late0 of 3 deeds read
Why 79- Higher-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-1
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.65 in 2024; short-term debt: 14.4% and cash: 8% of total assets), and 18.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
81.8%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
23 d early
2023
29 d late
2022
37 d early
2021
31 d early
2020
31 d early
2019
34 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 14 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 8 July (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2025Total assets €710,360Profit €11,810Solvency 81.8%Liquidity 0.58
Total assets
€710,360▼ 5.3%
2018 - 2025
Net result
€11,810▼ 54.8%
2018 - 2025
Equity
€581,378▲ 2.1%
2018 - 2025
Solvency
81.8%▲ 6.0pp
2018 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€985▲ 91.8%€19,718€100,637▲ 410%€40,640▼ 59.6%€24,920▼ 38.7%
Net result-€9,633below the sector's middle half▲ 56.8%€13,396within the sector's middle half€67,168above the sector's middle half▲ 401%€26,136above the sector's middle half▼ 61.1%€11,810within the sector's middle half▼ 54.8%
Equity€463,868above the sector's middle half▼ 2.0%€476,264above the sector's middle half▲ 2.7%€543,432above the sector's middle half▲ 14.1%€569,568above the sector's middle half▲ 4.8%€581,378above the sector's middle half▲ 2.1%
Total assets€714,447above the sector's middle half▼ 2.0%€584,434above the sector's middle half▼ 18.2%€899,244above the sector's middle half▲ 53.9%€750,502above the sector's middle half▼ 16.5%€710,360above the sector's middle half▼ 5.3%
Debt€250,579▼ 2.1%€108,170▼ 56.8%€334,798▲ 210%€160,657▼ 52.0%€111,084▼ 30.9%
Working capital-€100,566below the sector's middle half▲ 27.1%-€63,192below the sector's middle half▲ 37.2%-€67,846below the sector's middle half▼ 7.4%-€52,160below the sector's middle half▲ 23.1%-€42,856below the sector's middle half▲ 17.8%
Solvency64.9%within the sector's middle half=81.5%above the sector's middle half▲ 16.6pp60.4%within the sector's middle half▼ 21.1pp75.9%above the sector's middle half▲ 15.5pp81.8%above the sector's middle half▲ 6.0pp
Current ratio0.58below the sector's middle half▲ 0.150.38below the sector's middle half▼ 0.200.79below the sector's middle half▲ 0.410.65below the sector's middle half▼ 0.140.58below the sector's middle half▼ 0.07
Return on assets (ROA)-1.3%within the sector's middle half▲ 1.7pp2.3%within the sector's middle half▲ 3.6pp7.5%within the sector's middle half▲ 5.2pp3.5%within the sector's middle half▼ 4.0pp1.7%within the sector's middle half▼ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale 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 and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €710,360
Fixed assets
€651,126 ▼ 0.7%
Current assets
€59,233 ▼ 37.6%
Equity and liabilities €710,360
Equity
€581,378 ▲ 2.1%
Provisions
€17,897 ▼ 11.7%
Debt
€111,084 ▼ 30.9%
Debt's share of the balance-sheet total falls from 21.4% to 15.6%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€67,927▼
2024 · €82,783
Cash flow
€54,817▼
2024 · €68,278
Debt to equity
0.19▼
2024 · 0.28
ROE
2.0%▼
2024 · 4.6%
Interest coverage
8.18▲
2024 · 5.83
Debt ≤ 1 year
€102,089▼
2024 · €147,106
Income taxes
€7,191▲
2024 · €3,005
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
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 0.4% 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 497,341 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% | 1.8% |
| 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 14,732 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48,905 | €38,697 | €39,926 | €42,143 | €43,006 | ▲ 2.0% |
| Other operating charges640/8 | €8,093 | €7,773 | €8,730 | €3,839 | €4,522 | ▲ 17.8% |
| Gross operating margin9900 | €56,013 | €66,188 | €149,293 | €86,622 | €72,449 | ▼ 16.4% |
| Operating profit (loss)9901 | -€985 | €19,718 | €100,637 | €40,640 | €24,920 | ▼ 38.7% |
| Financial income75/76B | €59 | - | - | €1,954 | - | - |
| Recurring financial income75 | €59 | - | - | €1,954 | - | - |
| Financial charges65/66B | €8,324 | €5,869 | €11,995 | €14,191 | €8,299 | ▼ 41.5% |
| Recurring financial charges65 | €8,324 | €5,869 | €11,995 | €14,191 | €8,299 | ▼ 41.5% |
| Profit (loss) for the period before taxes9903 | -€9,250 | €13,849 | €88,642 | €28,403 | €16,621 | ▼ 41.5% |
| Transfer from deferred taxes780 | - | - | €3,227 | €737 | €2,380 | ▲ 223% |
| Transfer to deferred taxes680 | - | - | €24,241 | - | - | - |
| Income taxes67/77 | €383 | €453 | €459 | €3,005 | €7,191 | ▲ 139% |
| Profit (loss) for the period9904 | -€9,633 | €13,396 | €67,168 | €26,136 | €11,810 | ▼ 54.8% |
| Transfer from tax-exempt reserves789 | - | - | €9,682 | €2,210 | €7,141 | ▲ 223% |
| Transfer to tax-exempt reserves689 | - | - | €72,723 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€9,633 | €13,396 | €4,127 | €28,346 | €18,951 | ▼ 33.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €714,447 | €584,434 | €899,244 | €750,502 | €710,360 | ▼ 5.3% |
| Fixed assets21/28 | €573,228 | €545,747 | €643,697 | €655,556 | €651,126 | ▼ 0.7% |
| Tangible fixed assets22/27 | €573,228 | €545,747 | €643,697 | €655,556 | €651,126 | ▼ 0.7% |
| Land and buildings22 | €457,298 | €442,260 | €568,579 | €556,211 | €544,922 | ▼ 2.0% |
| Plant, machinery and equipment23 | €115,464 | €103,431 | €75,119 | €68,876 | €72,842 | ▲ 5.8% |
| Furniture and vehicles24 | €466 | €56 | - | €30,468 | €33,362 | ▲ 9.5% |
| Current assets29/58 | €141,220 | €38,687 | €255,546 | €94,946 | €59,233 | ▼ 37.6% |
| Stocks and contracts in progress3 | €404 | - | - | - | - | - |
| Stocks30/36 | €404 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €5,024 | €3,926 | €3,837 | €5,047 | €2,612 | ▼ 48.3% |
| Trade receivables40 | €4,945 | €3,831 | €1,778 | €3,428 | €2,612 | ▼ 23.8% |
| Other amounts receivable41 | €79 | €95 | €2,059 | €1,620 | - | - |
| Cash at bank and in hand54/58 | €135,114 | €33,124 | €21,873 | €88,339 | €56,590 | ▼ 35.9% |
| Deferred charges and accrued income490/1 | €677 | €1,637 | €229,836 | €1,560 | €31 | ▼ 98.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €714,447 | €584,434 | €899,244 | €750,502 | €710,360 | ▼ 5.3% |
| Equity10/15 | €463,868 | €476,264 | €543,432 | €569,568 | €581,378 | ▲ 2.1% |
| Contributions10/11 | €450,000 | €450,000 | €450,000 | €450,000 | €450,000 | = |
| Revaluation surpluses12 | €7,670 | €7,670 | €7,670 | €7,670 | €7,670 | = |
| Reserves13 | €5,150 | €5,150 | €68,192 | €111,898 | €123,708 | ▲ 10.6% |
| Non-distributable reserves130/1 | €5,150 | €5,150 | €5,150 | - | - | - |
| Reserves not available under the articles1311 | €5,150 | €5,150 | €5,150 | - | - | - |
| Tax-exempt reserves132 | - | - | €63,042 | €60,831 | €53,691 | ▼ 11.7% |
| Distributable reserves133 | - | - | - | €51,067 | €70,018 | ▲ 37.1% |
| Profit (loss) carried forward14 | €1,048 | €13,444 | €17,571 | - | - | - |
| Provisions and deferred taxes16 | - | - | €21,014 | €20,277 | €17,897 | ▼ 11.7% |
| Deferred taxes168 | - | - | €21,014 | €20,277 | €17,897 | ▼ 11.7% |
| Amounts payable17/49 | €250,579 | €108,170 | €334,798 | €160,657 | €111,084 | ▼ 30.9% |
| Amounts payable within one year42/48 | €241,786 | €101,879 | €323,392 | €147,106 | €102,089 | ▼ 30.6% |
| Trade debts44 | €7,589 | €205 | €10,817 | €2,064 | - | - |
| Suppliers440/4 | €7,589 | €205 | €10,817 | €2,064 | - | - |
| Taxes, remuneration and social security45 | €2,372 | €1,999 | €1,126 | €5,520 | €9,364 | ▲ 69.6% |
| Taxes450/3 | €2,372 | €1,999 | €1,126 | €5,520 | €9,364 | ▲ 69.6% |
| Other amounts payable47/48 | €231,825 | €99,675 | €311,450 | €139,521 | €92,725 | ▼ 33.5% |
| Accrued charges and deferred income492/3 | €8,794 | €6,291 | €11,406 | €13,551 | €8,996 | ▼ 33.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,633 | €13,396 | €67,168 | €26,136 | €11,810 | ▼ 54.8% |
| + Depreciation and write-downs630 | €48,905 | €38,697 | €39,926 | €42,143 | €43,006 | ▲ 2.0% |
| Operating cash flow (approximation) | €39,272 | €52,093 | €107,095 | €68,278 | €54,817 | ▼ 19.7% |
| Investment in fixed assets (approximation) | - | -€11,216 | -€137,877 | -€54,001 | -€38,577 | ▲ 28.6% |
| Change in cash | - | -€101,990 | -€11,251 | €66,466 | -€31,748 | ▼ 148% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 6,140 companies in this sector we hold annual accounts for 2,574. 1,461 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
14 eventsLatest 31-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €67,168 ▲401%
Operating result €100,637, net result €67,168, both a record.
31-12
Financial
Equity above €500,000Eq €543,432 ▲14.1%
2 profitable years in a row build equity to €543,432.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13,396
Net result €13,396 after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€22,274
Net result drops to -€22,274, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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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Company details
Private limited company · founded 13-02-2004Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded13-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
46500Wholesale of information and communication equipment
46900Non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0863423328
Also
9925:BE0863423328
Registered
11-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Sint-Martens-Latem · 1 establishment unit since 2004
Ground area
5,026 m²
Building footprint
293 m²
Volume, LiDAR
2,029 m³
2 parcels, Flanders · tallest building 20.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L'Anima
since 2004unit no. 2.136.208.531
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0080/00M000 | Flanders | 3,278 m² | 1 · 293 m² | 20.4 m · 2 fl. |
| 44015A0307/00Y005 | Flanders | 1,748 m² | - | - |
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Go further with this company
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