SALMANE
ActiveThe computed 12-month bankruptcy probability of SALMANE is 2.0% (moderate). The 2025 annual accounts show equity of €34k and a net result of €2k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 18237 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▲+39
Solvency91▲+18
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 1.78 in 2023; short-term debt: 34% and cash: 35.6% of total assets), and 34% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
66%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2023
29 d late
2022
17 d late
2021
24 d late
2020
4 d late
2019
146 d late
2018
146 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€68k▼ 17.4%
2019 · €82k
2019: €82k
2019 → 2020
EBIT margin
-24.3%▼ 25.1pp
2019 · 0.8%
2019: 0.8%
2019 → 2020
Net result
€2k
2023 · €-2k
2018: €2k
2019: €523
2020: €-17k
2021: €312
2022: €12k
2023: €-2k
2018 → 2025
Working capital
€34k▲ 52.5%
2023 · €22k
2018: €-3k
2019: €9k
2020: €4k
2021: €-2k
2022: €7k
2023: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Turnover€68k-
Equity€4k-€4k▲ 7.6%€16k▲ 261%€26k▲ 60.8%€34k▲ 31.4%
Operating result€-16k-€439€12k▲ 2,576%€-1k€2k
Net result€-17k-€312€12k▲ 3,615%€-2k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €2k in 2025, compared with €-1k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €51k
Fixed assets
€185▼ 95.0%
Current assets
€51k▲ 1.5%
Equity and liabilities €51k
Equity
€34k▲ 31.4%
Debt
€17k▼ 38.4%
The debt ratio falls from 52.3% to 34.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▲
2023 · €625
Cash flow
€7k▲
2023 · €356
Solvency
66.0%▲
2023 · 47.7%
Current ratio
2.93▲
2023 · 1.78
Quick ratio
1.22▲
2023 · 0.76
Debt / equity
0.51▼
2023 · 1.10
ROE
5.1%▲
2023 · -6.4%
ROA
3.3%▲
2023 · -3.0%
Interest coverage
36.17▲
2023 · 2.33
Debt
€17k▼
2023 · €28k
Debt ≤ 1 year
€17k▼
2023 · €28k
Staff costs
€19k▲
2023 · €32
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€54k€51k▼
Fixed assets21/28€4k€185▼
Tangible fixed assets22/27€4k-
Furniture and vehicles24€4k-
Financial fixed assets28€185€185=
Current assets29/58€50k€51k▲
Stocks and contracts in progress3€29k€30k▲
Stocks30/36€29k€30k▲
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€4k-
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€15k€18k▲
Equity and liabilities
Total equity and liabilities10/49€54k€51k▼
Equity10/15€26k€34k▲
Contributions10/11€30k€30k=
Reserves13€109€109=
Non-distributable reserves130/1€83€83=
Reserves not available under the articles1311€83€83=
Distributable reserves133€26€26=
Profit (loss) carried forward14€-4k€4k▲
Amounts payable17/49€28k€17k▼
Amounts payable within one year42/48€28k€17k▼
Trade debts44€15k€10k▼
Suppliers440/4€15k€10k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€12k€2k▼
Income statement
Code20232025
Remuneration, social security and pensions62€32€19k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€15k€16k▲
Gross operating margin9900€15k€42k▲
Operating profit (loss)9901€-1k€2k▲
Financial income75/76B-€65
Recurring financial income75-€65
Financial charges65/66B€269€184▼
Recurring financial charges65€269€184▼
Profit (loss) for the period before taxes9903€-2k€2k▲
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€4k▲
Profit (loss) brought forward from the previous period14P€-3k€2k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Highest result since 2018net €12k ▲3615%
Operating result €12k, net result €12k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €312
Net result €312 after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Weakest financial yearnet €-17k ▼3286%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
24-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 146 days late
2019
31-12
Financial
Liquidity times 8current ratio 3.12
Current ratio from 0.40 to 3.12; short-term debt falls from €6k to €4k.
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 146 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Koekelberg · 2 establishment units since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Jetsesteenweg 2641081 KoekelbergGround area
1,321 m²
Building footprint
366 m²
Volume, LiDAR
2,460 m³
3 parcels, Brussels, Wallonia · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
SALMANE
since 20172.269.207.508
LES TROIS FRERES
since 20252.371.032.366
3 parcels
Wallonia
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25385B0004/02B005 | Wallonia | 661 m² | 1 · 158 m² | - |
| 21492B0043/00P002 | Brussels | 426 m² | 1 · 116 m² | 18.2 m · 5 fl. |
| 21302A0025/00L009 | Brussels | 234 m² | 1 · 92 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOttignies-Louvain-la-Neuve2.269.207.508
Similar companies · same sector, comparable size
PASSION DU FRUIT
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M.P.S.
BE 0779.470.719
Kluisbergen · Eq €34k
Les Jardins de Wépion
BE 0836.057.549
Namur · Eq €33k
De Kaastafel
BE 0803.014.597
Hasselt · Eq €33k
AMO FRUITS SERVICES
BE 0707.526.611
Anderlecht · Eq €33k
Of 3,827 companies in sector 47210 we hold annual accounts for 966. 773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47210Retail sale of fruit and vegetables
47810Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
47890Retail trade
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bouchra.touil@hotmail.com