SALMI
ActiveSALMI has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €36k. Equity is shrinking by ~9.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 76% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +83 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+77
Solvency100▲+66
Growth52▲+14
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 0.53 in 2024), and 34.8% 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 · 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
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
65.2%
Return on assets
254.7%
Age of the figures
8 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 10-08-2026, 10 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
10 d late
2024
43 d late
2023
113 d late
2022
129 d late
2021
89 d late
2019
54 d late
2018
30 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€48k▼ 46.5%
2018 · €90k
2018: €90k
2018 → 2022
EBIT margin
-20.3%▼ 12.9pp
2018 · -7.4%
2018: -7.4%
2018 → 2022
Net result
€36k
2024 · €-1k
2018: €-7k
2019: €5k
2021: €-8k
2022: €-10k
2023: €5k
2024: €-1k
2018 → 2025
Working capital
€9k
2024 · €-27k
2018: €-7k
2019: €-2k
2021: €-20k
2022: €-29k
2023: €-25k
2024: €-27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€48k
Equity€-21k-€-31k▼ 47.9%€-25k▲ 16.8%€-27k▼ 4.7%€9k
Operating result€-14k-€-10k▲ 30.9%€5k€-1k€38k
Net result€-8k-€-10k▼ 22.1%€5k€-1k€36k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €38k after a loss of €1k in 2024, the highest year so far.
Balance-sheet composition
Equity and liabilities €14k
Equity
€9k
Debt
€5k
Debt finances 34.8% of the balance-sheet total.
Key figures and ratios
Solvency
65.2%▲
2024 · -87.8%
Current ratio
2.88▲
2024 · 0.53
Quick ratio
2.51▲
2024 · 0.50
Debt / equity
0.53▲
2024 · -2.14
ROE
390.4%▲
2024 · 4.5%
ROA
254.7%▲
2024 · -4.0%
Debt
€5k▼
2024 · €57k
Debt ≤ 1 year
€5k▼
2024 · €57k
Income taxes
€2k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€30k€14k▼
Current assets29/58€30k€14k▼
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€23k€2k▼
Trade receivables40€21k-
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€5k€11k▲
Equity and liabilities
Total equity and liabilities10/49€30k€14k▼
Equity10/15€-27k€9k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-33k€3k▲
Amounts payable17/49€57k€5k▼
Amounts payable within one year42/48€57k€5k▼
Trade debts44€103€375▲
Suppliers440/4€103€375▲
Taxes, remuneration and social security45€24k€5k▼
Taxes450/3€3k€4k▲
Remuneration and social security454/9€20k€415▼
Other amounts payable47/48€33k-
Income statement
Code20242025
Remuneration, social security and pensions62€43k-
Other operating charges640/8€725€1k▲
Gross operating margin9900€42k€39k▼
Operating profit (loss)9901€-1k€38k▲
Financial income75/76B-€13
Recurring financial income75-€13
Financial charges65/66B€160€153▼
Recurring financial charges65€160€153▼
Profit (loss) for the period before taxes9903€-1k€38k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-1k€36k▲
Profit (loss) for the period to be appropriated9905€-1k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€3k▲
Profit (loss) brought forward from the previous period14P€-32k€-33k▼
The notes to these accounts (1 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 2.88
Current ratio from 0.53 to 2.88; short-term debt falls from €57k to €5k.
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 113 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 129 days late
2022
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
17-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2013
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.
Rue Vandervelde 276041 CharleroiGround area
64 m²
Building footprint
30 m²
Volume, LiDAR
280 m³
Parcel 52028E0320/00P000, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SALMI
since 20132.230.167.283
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028E0320/00P000 | Wallonia | 64 m² | 1 · 30 m² | 9.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteCharleroi2.230.167.283
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Of 3,812 companies in sector 47210 we hold annual accounts for 958. 546 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2002
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47820Market retail: textiles, clothing, footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475350600