Summary
SUPERMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €278,445 and a net result of -€4,310. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 3319 sector peers (fiscal year 2024). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
not confirmed
2024
30 d late
2023
9 d early
2022
30 d late
2021
26 d late
2020
24 d late
2019
73 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 29 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#8 oldest company in La Louvière, Finance and insurance sector
Equity
€278,445▼ 1.5%
2023 · €282,755
Net result
-€4,310
2023 · €36,007
Total assets
€320,320▼ 31.4%
2023 · €466,970
Solvency
86.9%▲ 26.4pp
2023 · 60.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€4,608▼ 61.3%€15,016▲ 226%€8,737▼ 41.8%€27,669▲ 217%-€2,247
Net result€3,587▼ 55.9%€2,419▼ 32.6%€6,252▲ 158%€36,007▲ 476%-€4,310
Equity€502,876▲ 0.7%€505,295▲ 0.5%€246,748▼ 51.2%€282,755▲ 14.6%€278,445▼ 1.5%
Total assets€526,953▼ 0.4%€538,446▲ 2.2%€318,321▼ 40.9%€466,970▲ 46.7%€320,320▼ 31.4%
Debt€24,077▼ 19.8%€33,151▲ 37.7%€71,573▲ 116%€184,215▲ 157%€41,875▼ 77.3%
Working capital-€14,434▲ 15.0%-€11,191▲ 22.5%-€8,934▲ 20.2%€209,888€248,282▲ 18.3%
Solvency95.4%▲ 1.1pp93.8%▼ 1.6pp77.5%▼ 16.3pp60.6%▼ 17.0pp86.9%▲ 26.4pp
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 2024: a loss of €2,247 after €27,669 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €320,320
Fixed assets
€35,529 ▼ 63.6%
Current assets
€284,791 ▼ 22.9%
Equity and liabilities €320,320
Equity
€278,445 ▼ 1.5%
Debt
€41,875 ▼ 77.3%
Debt's share of the balance-sheet total falls from 39.4% to 13.1%. Equity and debt are lower.
Key figures and ratios
ROE
-1.5%▼
2023 · 12.7%
ROA
-1.3%▼
2023 · 7.7%
Debt ≤ 1 year
€36,509▼
2023 · €159,452
Debt > 1 year
€5,366▼
2023 · €24,763
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €20,171 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €472 | €824 | €504 | €42,251 | €38,200 | ▼ 9.6% |
| Other operating charges640/8 | - | - | - | €1,108 | €560 | ▼ 49.5% |
| Non-recurring operating charges66A | - | - | - | - | €50 | - |
| Gross operating margin9900 | €5,080 | €15,840 | €9,241 | €71,028 | €36,563 | ▼ 48.5% |
| Operating profit (loss)9901 | €4,608 | €15,016 | €8,737 | €27,669 | -€2,247 | ▼ 108% |
| Financial income75/76B | - | - | - | €17,738 | €8 | ▼ 100.0% |
| Recurring financial income75 | - | - | - | €17,738 | €8 | ▼ 100.0% |
| Non-recurring financial income76B | - | - | - | €17,738 | - | - |
| Financial charges65/66B | - | €947 | €207 | €656 | €2,071 | ▲ 216% |
| Recurring financial charges65 | €28 | €947 | €207 | €656 | €2,071 | ▲ 216% |
| Profit (loss) for the period before taxes9903 | €4,580 | €14,069 | €8,530 | €44,751 | -€4,310 | ▼ 110% |
| Income taxes67/77 | €993 | €11,650 | €2,278 | €8,744 | - | - |
| Profit (loss) for the period9904 | €3,587 | €2,419 | €6,252 | €36,007 | -€4,310 | ▼ 112% |
| Profit (loss) for the period to be appropriated9905 | €3,587 | €2,419 | €6,252 | €36,007 | -€4,310 | ▼ 112% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €526,953 | €538,446 | €318,321 | €466,970 | €320,320 | ▼ 31.4% |
| Fixed assets21/28 | €517,310 | €516,486 | €255,682 | €97,630 | €35,529 | ▼ 63.6% |
| Tangible fixed assets22/27 | €1,680 | €856 | €352 | €97,630 | €35,529 | ▼ 63.6% |
| Land and buildings22 | - | - | - | €18,842 | - | - |
| Plant, machinery and equipment23 | - | - | - | €783 | - | - |
| Furniture and vehicles24 | - | €856 | €352 | €33,650 | €10,774 | ▼ 68.0% |
| Leasing and similar rights25 | - | - | - | €44,355 | €24,755 | ▼ 44.2% |
| Financial fixed assets28 | €515,630 | €515,630 | €255,330 | - | - | - |
| Current assets29/58 | €9,643 | €21,960 | €62,639 | €369,340 | €284,791 | ▼ 22.9% |
| Stocks and contracts in progress3 | - | - | - | €9,452 | - | - |
| Stocks30/36 | - | - | - | €9,452 | - | - |
| Amounts receivable within one year40/41 | €4,099 | €12,555 | €11,760 | €30,704 | €2,624 | ▼ 91.5% |
| Trade receivables40 | - | €12,218 | €5,000 | €29,208 | - | - |
| Other amounts receivable41 | - | €337 | €6,760 | €1,496 | €2,624 | ▲ 75.4% |
| Cash at bank and in hand54/58 | €4,565 | €9,405 | €47,499 | €324,042 | €282,052 | ▼ 13.0% |
| Deferred charges and accrued income490/1 | - | - | €3,380 | €5,142 | €115 | ▼ 97.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €526,953 | €538,446 | €318,321 | €466,970 | €320,320 | ▼ 31.4% |
| Equity10/15 | €502,876 | €505,295 | €246,748 | €282,755 | €278,445 | ▼ 1.5% |
| Contributions10/11 | €16,197 | €16,197 | €7,709 | €7,709 | €7,709 | = |
| Capital10 | - | €16,197 | €7,709 | - | - | - |
| Issued capital100 | - | €18,592 | €8,849 | - | - | - |
| Uncalled capital101 | - | €2,395 | €1,140 | - | - | - |
| Reserves13 | €1,859 | €1,859 | €885 | €885 | €885 | = |
| Non-distributable reserves130/1 | - | €1,859 | €885 | €885 | €885 | = |
| Legal reserve130 | - | €1,859 | €885 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €885 | €885 | = |
| Profit (loss) carried forward14 | €484,820 | €487,239 | €238,154 | €274,161 | €269,851 | ▼ 1.6% |
| Amounts payable17/49 | €24,077 | €33,151 | €71,573 | €184,215 | €41,875 | ▼ 77.3% |
| Amounts payable after more than one year17 | - | - | - | €24,763 | €5,366 | ▼ 78.3% |
| Financial debts170/4 | - | - | - | €24,763 | €5,366 | ▼ 78.3% |
| Amounts payable within one year42/48 | €24,077 | €33,151 | €71,573 | €159,452 | €36,509 | ▼ 77.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €19,941 | €19,777 | ▼ 0.8% |
| Financial debts43 | - | - | €4,500 | €4,500 | - | - |
| Credit institutions430/8 | - | - | €4,500 | €4,500 | - | - |
| Trade debts44 | - | €12,176 | €54,814 | €115,855 | €15,597 | ▼ 86.5% |
| Suppliers440/4 | - | €12,176 | €54,814 | €115,855 | €15,597 | ▼ 86.5% |
| Advances received on contracts in progress46 | - | €3,630 | €3,630 | €3,630 | - | - |
| Taxes, remuneration and social security45 | - | €5,709 | €6,993 | €14,689 | €1,127 | ▼ 92.3% |
| Taxes450/3 | - | €5,709 | €6,993 | €14,689 | €1,127 | ▼ 92.3% |
| Other amounts payable47/48 | - | €11,636 | €1,636 | €837 | €8 | ▼ 99.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,587 | €2,419 | €6,252 | €36,007 | -€4,310 | ▼ 112% |
| + Depreciation and write-downs630 | €472 | €824 | €504 | €42,251 | €38,200 | ▼ 9.6% |
| Operating cash flow (approximation) | €4,059 | €3,243 | €6,756 | €78,258 | €33,890 | ▼ 56.7% |
| Investment in fixed assets (approximation) | - | €0 | €260,300 | €115,801 | €23,901 | ▼ 79.4% |
| Change in cash | - | €4,840 | €38,094 | €276,543 | -€41,990 | ▼ 115% |
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
2026
10-07
State Gazette act
RestructuringMerger · Capital · Net-asset statement7 facts ▸
State Gazette act
Restructuring
Merger · Capital · Net-asset statement7 facts ▸
- Merger, absorption, 31-12-2025
- Capital, €61.500
- Capital, €8.848,88
- Net-asset statement, 31-12-2025
- Net-asset statement, 31-12-2025
- Net-asset statement, 31-12-2025
- Power of attorney, SRL ST MANAGEMENT
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet -€4,310
Net result drops to -€4,310, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 7.80
Current ratio from 2.32 to 7.80; short-term debt falls from €159,452 to €36,509.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €36,007 ▲476%
Operating result €27,669, net result €36,007, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.32
Current ratio from 0.88 to 2.32.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Equity above €500,000Eq €502,876 ▲0.7%
3 profitable years in a row build equity to €502,876.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
Show earlier events
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 2002
Ground area
6,344 m²
Building footprint
174 m²
Volume, LiDAR
1,540 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée Brunehault(LEV) 130, 7134 Binche
since 20022.078.979.125
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55046C0019/00F007 | Wallonia | 6,169 m² | 1 · 44 m² | 7.7 m · 2 fl. |
| 55032B0378/00V003 | Wallonia | 175 m² | 1 · 130 m² | 11.0 m · 3 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.
Articles of association
Purpose
-l'achat et le vente d'hydrocarbures -Commerce de détail en magasin non spécialisé à prédominance alimentaire... -la gestion de sociétés
Structure & network
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionTaken over by:SA JASMIN
Capital and shareholders
Capital over the years
- 10-07-2026 Capital stated in the act · 8,848.88 EUR · 750 shares
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Of 1,507 companies in sector 66199 we hold annual accounts for 921. 638 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
Founded02-09-1996
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Contact
E-mail
superma@outlook.beBinche
Phone
064367372Binche
Scores and ratios are computed by Checked and are not a credit decision.