PREMIUM
ActiveSummary
PREMIUM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-138k) and a net result of €-719. Equity is shrinking by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 8% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-10
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.76 against 0.74 in 2024; short-term debt: 132% and cash: 9.6% of total assets), and equity is negative.
Credit check for your own amount and term
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 →
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
-32.3%
Return on assets
-0.2%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-138k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
85 d early
2023
56 d early
2022
125 d early
2021
8 d late
2020
13 d late
2019
56 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-138k▼ 0.5%
2024 · €-137k
2018: €-27khighest in 8 years
2019: €-69k▼ -161% vs 2018
2020: €-74k▼ -7.1% vs 2019
2021: €-131k▼ -76.0% vs 2020
2022: €-150k▼ -15.1% vs 2021
2023: €-173k▼ -14.9% vs 2022lowest in 8 years
2024: €-137k▲ +20.4% vs 2023
2025: €-138k▼ -0.5% vs 2024
2018 → 2025
Total assets
€428k=
2024 · €427k
2018: €1.37Mhighest in 8 years
2019: €931k▼ -31.9% vs 2018
2020: €465k▼ -50.1% vs 2019
2021: €453k▼ -2.4% vs 2020
2022: €447k▼ -1.3% vs 2021
2023: €392k▼ -12.4% vs 2022lowest in 8 years
2024: €427k▲ +9.0% vs 2023
2025: €428k● +0.0% vs 2024
2018 → 2025
Net result
€-719
2024 · €35k
2018: €-28k
2019: €-43k▼ -54.0% vs 2018
2020: €-5k▲ +88.4% vs 2019
2021: €-56k▼ -1041% vs 2020lowest in 8 years
2022: €-20k▲ +65.1% vs 2021
2023: €-22k▼ -13.6% vs 2022
2024: €35k▲ +258% vs 2023highest in 8 years
2025: €-719▼ -102% vs 2024
2018 → 2025
Working capital
€-137k▲ 8.2%
2024 · €-149k
2018: €-15khighest in 8 years
2019: €-138k▼ -825% vs 2018
2020: €-143k▼ -3.6% vs 2019
2021: €-183k▼ -28.2% vs 2020
2022: €-189k▼ -3.2% vs 2021
2023: €-197k▼ -4.5% vs 2022lowest in 8 years
2024: €-149k▲ +24.5% vs 2023
2025: €-137k▲ +8.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-131k-€-150k▼ 15.1%€-173k▼ 14.9%€-137k▲ 20.4%€-138k▼ 0.5%
2021: €-131khighest in 5 years
2022: €-150k▼ -15.1% vs 2021
2023: €-173k▼ -14.9% vs 2022lowest in 5 years
2024: €-137k▲ +20.4% vs 2023
2025: €-138k▼ -0.5% vs 2024
Operating result€-52k-€-9k▲ 83.3%€-11k▼ 27.9%€35k€-587
2021: €-52klowest in 5 years
2022: €-9k▲ +83.3% vs 2021
2023: €-11k▼ -27.9% vs 2022
2024: €35k▲ +417% vs 2023highest in 5 years
2025: €-587▼ -102% vs 2024
Net result€-56k-€-20k▲ 65.1%€-22k▼ 13.6%€35k€-719
2021: €-56klowest in 5 years
2022: €-20k▲ +65.1% vs 2021
2023: €-22k▼ -13.6% vs 2022
2024: €35k▲ +258% vs 2023highest in 5 years
2025: €-719▼ -102% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €587 after €35k in 2024.
Key figures and ratios
EBITDA
€12k▼
2024 · €48k
Cash flow
€12k▼
2024 · €48k
Solvency
-32.3%▼
2024 · -32.2%
Current ratio
0.76▲
2024 · 0.74
Quick ratio
0.33▲
2024 · 0.26
Debt to equity
-4.09▲
2024 · -4.11
ROA
-0.2%▼
2024 · 8.3%
Interest coverage
94.32▼
2024 · 315.88
Debt
€566k▲
2024 · €565k
Debt ≤ 1 year
€564k▲
2024 · €563k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€427k€428k=
Fixed assets21/28€13k€0▼
Intangible fixed assets21€13k€0▼
Current assets29/58€414k€428k▲
Stocks and contracts in progress3€269k€241k▼
Stocks30/36€269k€241k▼
Amounts receivable within one year40/41€100k€146k▲
Trade receivables40-€6k
Other amounts receivable41€100k€140k▲
Cash at bank and in hand54/58€45k€41k▼
Equity and liabilities
Total equity and liabilities10/49€427k€428k=
Equity10/15€-137k€-138k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-156k€-157k▼
Amounts payable17/49€565k€566k▲
Amounts payable within one year42/48€563k€564k▲
Trade debts44€393€242▼
Suppliers440/4€393€242▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€563k€563k=
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€387€483▲
Gross operating margin9900€49k€13k▼
Operating profit (loss)9901€35k€-587▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€153€132▼
Recurring financial charges65€153€132▼
Profit (loss) for the period before taxes9903€35k€-719▼
Profit (loss) for the period9904€35k€-719▼
Profit (loss) for the period to be appropriated9905€35k€-719▼
Appropriation of the result
Profit (loss) to be appropriated9906€-156k€-157k▼
Profit (loss) brought forward from the previous period14P€-191k€-156k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €14k | €14k | €13k | €13k | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €31k | €0 | - | - | - | - |
| Other operating charges640/8 | €2k | €2k | €2k | €387 | €483 | ▲ 24.6% |
| Gross operating margin9900 | €-5k | €7k | €4k | €49k | €13k | ▼ 73.6% |
| Operating profit (loss)9901 | €-52k | €-9k | €-11k | €35k | €-587 | ▼ 102% |
| Financial income75/76B | €8k | €826 | €187 | €0 | - | - |
| Recurring financial income75 | €8k | €826 | €187 | €0 | - | - |
| Financial charges65/66B | €12k | €12k | €11k | €153 | €132 | ▼ 14.2% |
| Recurring financial charges65 | €12k | €12k | €11k | €153 | €132 | ▼ 14.2% |
| Profit (loss) for the period before taxes9903 | €-56k | €-20k | €-22k | €35k | €-719 | ▼ 102% |
| Profit (loss) for the period9904 | €-56k | €-20k | €-22k | €35k | €-719 | ▼ 102% |
| Profit (loss) for the period to be appropriated9905 | €-56k | €-20k | €-22k | €35k | €-719 | ▼ 102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €453k | €447k | €392k | €427k | €428k | = |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €54k | €40k | €26k | €13k | €0 | ▼ 100% |
| Intangible fixed assets21 | €52k | €39k | €26k | €13k | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €2k | €780 | €0 | - | - | - |
| Plant, machinery and equipment23 | €2k | €780 | €0 | - | - | - |
| Current assets29/58 | €400k | €408k | €366k | €414k | €428k | ▲ 3.2% |
| Stocks and contracts in progress3 | €326k | €326k | €326k | €269k | €241k | ▼ 10.6% |
| Stocks30/36 | €326k | €326k | €326k | €269k | €241k | ▼ 10.6% |
| Amounts receivable within one year40/41 | €46k | €56k | €2k | €100k | €146k | ▲ 45.2% |
| Trade receivables40 | €0 | €10k | €0 | - | €6k | - |
| Other amounts receivable41 | €46k | €47k | €2k | €100k | €140k | ▲ 38.9% |
| Cash at bank and in hand54/58 | €28k | €25k | €38k | €45k | €41k | ▼ 8.5% |
| Deferred charges and accrued income490/1 | €0 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €453k | €447k | €392k | €427k | €428k | = |
| Equity10/15 | €-131k | €-150k | €-173k | €-137k | €-138k | ▼ 0.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €-149k | €-169k | €-191k | €-156k | €-157k | ▼ 0.5% |
| Amounts payable17/49 | €584k | €598k | €565k | €565k | €566k | ▲ 0.2% |
| Amounts payable within one year42/48 | €583k | €596k | €563k | €563k | €564k | ▲ 0.2% |
| Trade debts44 | €242 | €2k | €357 | €393 | €242 | ▼ 38.5% |
| Suppliers440/4 | €242 | €2k | €357 | €393 | €242 | ▼ 38.5% |
| Taxes, remuneration and social security45 | €0 | - | - | - | €1k | - |
| Taxes450/3 | €0 | - | - | - | €1k | - |
| Other amounts payable47/48 | €583k | €594k | €563k | €563k | €563k | = |
| Accrued charges and deferred income492/3 | €2k | €2k | €2k | €2k | €2k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-56k | €-20k | €-22k | €35k | €-719 | ▼ 102% |
| + Depreciation and write-downs630 | €15k | €14k | €14k | €13k | €13k | = |
| Operating cash flow (approximation) | €-42k | €-6k | €-9k | €48k | €12k | ▼ 74.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-3k | €13k | €7k | €-4k | ▼ 155% |
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €35k
Net result €35k after 6 loss-making years.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-05
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 4 acts read
About the unread acts
We know of 4 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
4 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, Alveringem · 1 establishment unit since 2014
Ground area
1.6 ha
Building footprint
4,234 m²
Volume, LiDAR
24,025 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
PREMIUM
since 20142.238.361.409
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38024A0173/00G000 | Flanders | 1.2 ha | 1 · 3,888 m² | 7.2 m · 2 fl. |
| 38002A0326/00D000 | Flanders | 3,614 m² | 1 · 346 m² | 9.7 m · 2 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 10,667 companies in sector 47811 we hold annual accounts for 5,220. 721 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
Founded19-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
77110Renting and leasing of cars and light motor vehicles
95314Bodywork repair (including spraying and painting)
Scores and ratios are computed by Checked and are not a credit decision.