Losses
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
The accounts state no turnover.
€1.1m of the debts are secured on the company's own assets.
Green is investment, beige is depreciation. Land and buildings stand 207.9% higher than in 2024.
Merger with VERCOM. Merger on 10-12-2024.
Lower net result than 85% of companies in head offices and management consultancy. Sector median €53,814 · 3,872 companies.
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 23% of them on solvency, 22% on liquidity, 27% on profitability and 27% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,423 companies had the same profile as ALOIS has now. Each dot stands for 4 companies, two years later.
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ALOIS itself: 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,423 companies, not a prediction for ALOIS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.06 (0.26 in 2024), below 1. Short-term debt is 25.1% and cash 1.1% of total assets. 80.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 62 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| ALOIS Nazareth-De Pinte | €1.9m | €231,615 | 19.2% | 0 |
| Vennova Mechelen | €1.8m | €266,639 | 36.2% | 0 |
| ECOPA Brecht | €1.7m | €232,487 | 17.2% | 0 |
| BMH Mestdagh Knokke-Heist | €1.6m | €249,408 | 30.6% | 0 |
| AVANA CAPITAL INVESTMENT Waterloo | €2.3m | €194,154 | -90.5% | 0 |
| F-GEST Fléron | €2.2m | €191,624 | 14.9% | 0 |
| DELAVEUX & C° Marche-en-Famenne | €1.7m | €235,530 | 59.1% | 0 |
These companies have the same main activity as ALOIS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.6m and €2.3m, founded between 2011 and 2014.
ALOIS has existed since 2014. The present size dates from 2025. The gross margin rose that year from €81,980 to €231,615.
Solvency fell in 2025 from 27.0% to 19.2% because of the loss and higher long-term debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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