Equity
€499,997 from €1.7m in 2012
Equity fell by 71% in 13 years.
ALMA
Lifetime
17 annual accounts with figures on one time axis, 33 filings since 1992peak €766,385 (2011)
-€32,183▲ €69,725
lowest -€187,542 (2024)
-€174,255▲ €13,287
peak €1.7m (2012)
€499,997▼ 25.8%
€71,064▼ 28.2%
peak 6.5 FTE (2009)
1 FTEunchanged
Board4 names since 2019
4 directorsBOSSUYT Maureen and 3 others
Owners
99.92%Bruma Diffusion
Documentsfilings and deeds
27-08-202627 days late
2025financial year
Gross margin from -€101,908 to -€32,183Loss of €174,255Registered office moved within Brussels 25-11Equity from €674,252 to €499,997Debts from €98,992 to €71,064
Key points
from the 2025 annual accountsLosses
-€985,754 in seven years
Every financial year from 2018 to 2025 closed with a loss. 2024 was the heaviest.
Investments
€4,355 1.7 × depreciation
Green is investment, beige is depreciation.
Staff
1 FTE from 6.5 in 2009
Between 2009 and 2025, 85% of the full-time equivalents disappeared.
Filings
33 annual accounts since 1992
Ten of the last ten came late. The 2018 accounts came latest: 197 days after the end of the period.
Position in the sector
-€174,255
Lower net result than 90% of companies in wholesale trade. Sector median €110,270 · 6,125 companies.
Checked score
88
Excellent
Financially stronger than 52% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025lowest value
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.3%▲ +0.2 percentage points vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.2%▼ -0.3 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €174,255, the second in a row (financial year 2025)
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 6.37, cash €411,572
Founded in 1992
Calculation
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 46, micro). It does better than 90% of them on solvency, 95% on liquidity, 6% on profitability and 16% on growth.
The bankruptcy probability was computed on 09-11-2026 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).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as ALMA has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ALMA itself is lower: 0.2% within 12 months. It rests on far more data about ALMA than the profile alone.
Test of the method
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 5,831 companies, not a prediction for ALMA. 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.
Credit verdict
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.37 (5.46 in 2024), above the usual 1.5. Short-term debt is 11.5% and cash 72.1% of total assets. 12.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Six signals.
lowers riskraises risk
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
18202122232425
2018 to 2025 · latest year -€174,255
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
29 days late
2023
28 days late
2022
29 days late
2021
30 days late
2020
26 days late
2018
197 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 52 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Bruma Diffusion 99.92%score 85equity €556,030 (2025) · 2025 annual accounts of Bruma Diffusion
Recent changes
Registered office moved within Brussels
New registered office: RUE DU HAM 127-1180 BRUXELLES · Previous registered office: Avenue Van Volxem 170, 1190 Bruxelles · General meeting of 01-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0447538796
3 directors reappointed
BOSSUYT Didier, VANLIER Kathleen and BOSSUYT Maureen · Capital of €74,370, 1,250 shares · General meeting of 17-08-2023 · Gazette deed
3 directors reappointed
Didier BOSSUYT, Maureen BOSSUYT (managing director) and Kathleen VAN LIER · General meeting of 01-04-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ALMA Uccle | €0.6m | -€32,183 | 87.6% | 1 |
| HARDY SHOE Uccle | €0.3m | -€4,335 | 97.9% | - |
| Philippe DEQUIN Deinze | €1.1m | -€7,664 | 95.8% | - |
| B.M. SHOES Molenbeek-Saint-Jean | €0.5m | €6,925 | 11.5% | - |
| Rian Shoe Schelle | €0.6m | €3,666 | -3.7% | - |
| ZANDALEE Wijnegem | €0.2m | -€140 | -25.5% | - |
| SPORTING GOODS AGENCIES VANNESTE DISTRIBUTION Ghent | €0.2m | €1,936 | 85.1% | - |
These companies have the same main activity as ALMA: wholesale trade (NACE 46425). They are comparable in size and age: total assets between €167,000 and €1.1m, founded between 1973 and 2003.
Official details
Source: KBO- Status
- Active since 02-06-1992Normal situation
- Activity
- Wholesale tradeNACE 46425and 1 other
- Establishment unit
- 2.060.634.0491180 Uccle, since 08-02-1993
- Financial year end
- 31 December
- Peppol
- Reachable since 11-09-2025
Insights on ALMA
ALMA has existed since 1992. The gross margin fell from €342,410 in 2017 to €68,335 in 2018 and staff from 3.4 to 2.5 full-time equivalents.
Bruma Diffusion holds all the shares. In January 2023, the Official Gazette published the appointment of BOSSUYT Maureen as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ALMA
- What is the company number of ALMA?
- The company number of ALMA is 0447.538.796. The VAT number is the same number with BE in front: BE 0447.538.796.
- Where is ALMA based?
- The registered office is at Hamstraat 127, 1180 Uccle.Company details
- What does ALMA do?
- According to the KBO register, the main activity is wholesale trade (NACE 46425).
- What is the legal form of ALMA?
- ALMA is a public limited company (NV).
- When was ALMA founded?
- ALMA was founded on 02-06-1992.
- Is ALMA still active?
- Yes, ALMA is an active enterprise in the KBO register.
- How many employees does ALMA have?
- ALMA had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of ALMA?
- The annual accounts for financial year 2025 state no turnover.
- Is ALMA profitable?
- In financial year 2025, ALMA made a loss of €174,255.
- Where can I find the annual accounts of ALMA?
- ALMA filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ALMA due?
- ALMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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