PELMA
ActiveSummary
PELMA has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €396,285 and a net result of -€16,993. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 54% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability17▼-2
Solvency64=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.87 in 2024; short-term debt: 53.2% and cash: 0.4% of total assets), but 60.9% of the assets are financed with debt.
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Signals
Six 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
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 2025Solvency, return and age of the figures
Solvency
39.1%
Return on assets
-1.7%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€16,993
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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
27 d late
2024
18 d late
2023
16 d late
2022
2 d late
2021
16 d late
2020
4 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 15 days after 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 16 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#5 oldest company in Hamme, Wholesale and retail trade sector
Equity
€396,285▼ 4.1%
2024 · €413,278
Total assets
€1.0m▼ 3.6%
2024 · €1.1m
Net result
-€16,993▼ 72.4%
2024 · -€9,858
Working capital
€467,788▼ 3.4%
2024 · €484,432
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
Line20212022202320242025
Operating result€24,570€282▼ 98.9%-€24,003€1,769-€6,746
Net result€19,497within the sector's middle half-€7,784below the sector's middle half-€33,661below the sector's middle half▼ 332%-€9,858below the sector's middle half▲ 70.7%-€16,993below the sector's middle half▼ 72.4%
Equity€464,580above the sector's middle half▲ 4.4%€456,797above the sector's middle half▼ 1.7%€423,136above the sector's middle half▼ 7.4%€413,278above the sector's middle half▼ 2.3%€396,285above the sector's middle half▼ 4.1%
Total assets€1.1mabove the sector's middle half▲ 0.7%€1.1mabove the sector's middle half▼ 2.2%€1.1mabove the sector's middle half▼ 3.5%€1.1mabove the sector's middle half▼ 1.9%€1.0mabove the sector's middle half▼ 3.6%
Debt€670,056▼ 1.7%€653,365▼ 2.5%€648,230▼ 0.8%€637,332▼ 1.7%€616,440▼ 3.3%
Working capital€534,532above the sector's middle half▲ 3.0%€526,756above the sector's middle half▼ 1.5%€494,344above the sector's middle half▼ 6.2%€484,432above the sector's middle half▼ 2.0%€467,788above the sector's middle half▼ 3.4%
Solvency40.9%within the sector's middle half▲ 1.4pp41.1%within the sector's middle half▲ 0.2pp39.5%within the sector's middle half▼ 1.7pp39.3%within the sector's middle half▼ 0.2pp39.1%within the sector's middle half▼ 0.2pp
Current ratio1.90within the sector's middle half▲ 0.041.91within the sector's middle half▲ 0.011.87within the sector's middle half▼ 0.051.87within the sector's middle half=1.87within the sector's middle half=
Return on assets (ROA)1.7%within the sector's middle half▲ 2.0pp-0.7%within the sector's middle half▼ 2.4pp-3.1%within the sector's middle half▼ 2.4pp-0.9%within the sector's middle half▲ 2.2pp-1.7%within the sector's middle half▼ 0.7pp
Staff (FTE)1=1=0.5▼ 50.0%1▲ 100%1=
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 turns negative in 2025: a loss of €6,746 after €1,769 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€6,621 ▼ 10.3%
Current assets
€1.0m ▼ 3.6%
Equity and liabilities €1.0m
Equity
€396,285 ▼ 4.1%
Debt
€616,440 ▼ 3.3%
Debt's share of the balance-sheet total rises from 60.7% to 60.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€5,987▼
2024 · €2,348
Cash flow
-€16,234▼
2024 · -€9,279
Quick ratio
0.01▼
2024 · 0.04
Debt to equity
1.56▲
2024 · 1.54
ROE
-4.3%▼
2024 · -2.4%
Interest coverage
-0.57▼
2024 · 0.20
Debt ≤ 1 year
€538,315▼
2024 · €558,797
Debt > 1 year
€75,000=
2024 · €75,000
Staff costs
€51,242▲
2024 · €49,639
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% 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 497,662 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% | 1.7% |
| 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 75% 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 12,321 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 | - | €45,018 | €48,203 | €49,639 | €51,242 | ▲ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,116 | €807 | €674 | €579 | €759 | ▲ 31.1% |
| Other operating charges640/8 | - | €5,424 | €4,716 | €4,790 | €4,923 | ▲ 2.8% |
| Gross operating margin9900 | €69,274 | €51,532 | €29,590 | €56,777 | €50,178 | ▼ 11.6% |
| Operating profit (loss)9901 | €24,570 | €282 | -€24,003 | €1,769 | -€6,746 | ▼ 481% |
| Financial income75/76B | - | €113 | €0 | €10 | €193 | ▲ 1,815% |
| Recurring financial income75 | €159 | €113 | €0 | €10 | €193 | ▲ 1,815% |
| Financial charges65/66B | - | €8,179 | €9,657 | €11,637 | €10,440 | ▼ 10.3% |
| Recurring financial charges65 | €8,006 | €8,179 | €9,657 | €11,637 | €10,440 | ▼ 10.3% |
| Profit (loss) for the period before taxes9903 | €19,497 | -€7,784 | -€33,661 | -€9,858 | -€16,993 | ▼ 72.4% |
| Profit (loss) for the period9904 | €19,497 | -€7,784 | -€33,661 | -€9,858 | -€16,993 | ▼ 72.4% |
| Profit (loss) for the period to be appropriated9905 | €19,497 | -€7,784 | -€33,661 | -€9,858 | -€16,993 | ▼ 72.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.1m | €1.1m | €1.0m | ▼ 3.6% |
| Fixed assets21/28 | €7,673 | €7,666 | €6,992 | €7,380 | €6,621 | ▼ 10.3% |
| Tangible fixed assets22/27 | €2,558 | €2,551 | €1,877 | €2,266 | €1,507 | ▼ 33.5% |
| Plant, machinery and equipment23 | - | €2,551 | €1,877 | €2,266 | €1,507 | ▼ 33.5% |
| Financial fixed assets28 | €5,115 | €5,115 | €5,115 | €5,115 | €5,115 | = |
| Current assets29/58 | €1.1m | €1.1m | €1.1m | €1.0m | €1.0m | ▼ 3.6% |
| Stocks and contracts in progress3 | €1.1m | €1.1m | €1.1m | €1.0m | €998,750 | ▼ 2.2% |
| Stocks30/36 | - | €1.1m | €1.1m | €1.0m | €998,750 | ▼ 2.2% |
| Amounts receivable within one year40/41 | €519 | €348 | - | €354 | - | - |
| Trade receivables40 | - | €348 | - | €354 | - | - |
| Cash at bank and in hand54/58 | €35,551 | €15,650 | €3,418 | €17,868 | €3,795 | ▼ 78.8% |
| Deferred charges and accrued income490/1 | - | €3,209 | €3,166 | €3,507 | €3,558 | ▲ 1.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.1m | €1.1m | €1.0m | ▼ 3.6% |
| Equity10/15 | €464,580 | €456,797 | €423,136 | €413,278 | €396,285 | ▼ 4.1% |
| Contributions10/11 | €255,000 | €255,000 | €255,000 | €255,000 | €255,000 | = |
| Capital10 | - | €255,000 | €255,000 | €255,000 | €255,000 | = |
| Issued capital100 | - | €255,000 | €255,000 | €255,000 | €255,000 | = |
| Reserves13 | €718,833 | €718,833 | €718,833 | €718,833 | €718,833 | = |
| Non-distributable reserves130/1 | - | €25,461 | €25,461 | €25,461 | €25,461 | = |
| Legal reserve130 | - | €25,409 | €25,409 | €25,409 | €25,409 | = |
| Reserves not available under the articles1311 | - | €52 | €52 | €52 | €52 | = |
| Distributable reserves133 | - | €693,372 | €693,372 | €693,372 | €693,372 | = |
| Profit (loss) carried forward14 | -€509,253 | -€517,036 | -€550,697 | -€560,555 | -€577,548 | ▼ 3.0% |
| Amounts payable17/49 | €670,056 | €653,365 | €648,230 | €637,332 | €616,440 | ▼ 3.3% |
| Amounts payable after more than one year17 | €75,000 | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Financial debts170/4 | - | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Amounts payable within one year42/48 | €592,432 | €575,741 | €570,030 | €558,797 | €538,315 | ▼ 3.7% |
| Trade debts44 | €13,009 | €9,548 | €7,870 | €11,882 | €12,774 | ▲ 7.5% |
| Suppliers440/4 | - | €9,548 | €7,870 | €11,882 | €12,774 | ▲ 7.5% |
| Taxes, remuneration and social security45 | - | €10,451 | €12,334 | €10,475 | €10,702 | ▲ 2.2% |
| Taxes450/3 | - | €4,026 | €4,958 | €4,297 | €2,710 | ▼ 36.9% |
| Remuneration and social security454/9 | - | €6,425 | €7,377 | €6,178 | €7,992 | ▲ 29.4% |
| Other amounts payable47/48 | - | €555,742 | €549,826 | €536,440 | €514,840 | ▼ 4.0% |
| Accrued charges and deferred income492/3 | - | €2,624 | €3,200 | €3,535 | €3,124 | ▼ 11.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,497 | -€7,784 | -€33,661 | -€9,858 | -€16,993 | ▼ 72.4% |
| + Depreciation and write-downs630 | €1,116 | €807 | €674 | €579 | €759 | ▲ 31.1% |
| Operating cash flow (approximation) | €20,614 | -€6,976 | -€32,987 | -€9,279 | -€16,234 | ▼ 74.9% |
| Investment in fixed assets (approximation) | - | -€800 | €0 | -€968 | €0 | ▲ 100% |
| Change in cash | - | -€19,902 | -€12,231 | €14,450 | -€14,073 | ▼ 197% |
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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
30-06
Financial
Weakest financial yearnet -€33,661
Net result drops to -€33,661, the lowest in the series; recovery starts the following year.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-06
Financial
Back to profitnet €19,497
Net result €19,497 after 2 loss-making years.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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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Directors · office · real estate
Directors
3 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, Hamme (Vl.) · 1 establishment unit since 1976
Ground area
4,531 m²
Building footprint
4,147 m²
Volume, LiDAR
18,486 m³
2 parcels, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PELMA
since 19762.013.549.853
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028B0756/00C000 | Flanders | 3,535 m² | 1 · 3,535 m² | 4.8 m · 1 fl. |
| 42014C0405/00R000 | Flanders | 996 m² | 1 · 613 m² | 8.3 m · 1 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.
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Of 531 companies in sector 47530 we hold annual accounts for 323. 240 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-12-1975
Fiscal year end30-06
Activities, NACEBEL 2025
47530Retail trade
13930Manufacture of textiles
46150Agents in the wholesale of furniture, household goods and hardware
46494Wholesale of non-electrical household articles
46499Wholesale of other household goods
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0415686372
Also
9925:BE0415686372
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.