ALMAGY
ActiveSummary
ALMAGY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €847k and a net result of €90k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+2
Solvency92▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.27 in 2024; short-term debt: 33.1% and cash: 9.7% of total assets), and 33.1% of the assets are financed with debt.
Credit advice 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
66.9%
Return on assets
7.1%
Age of the figures
9 mo
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 20-05-2026, 72 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
72 d early
2024
76 d early
2023
56 d early
2022
54 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€847k▲ 11.8%
2024 · €758k
2022: €536k
2023: €687k
2024: €758k
2022 → 2025
Total assets
€1.27M▲ 1.1%
2024 · €1.25M
2022: €1.32M
2023: €1.22M
2024: €1.25M
2022 → 2025
Net result
€90k▲ 26.5%
2024 · €71k
2022: €326k
2023: €208k
2024: €71k
2022 → 2025
Working capital
€-238k▲ 33.8%
2024 · €-360k
2022: €-681k
2023: €-464k
2024: €-360k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€536k-€687k▲ 28.2%€758k▲ 10.3%€847k▲ 11.8%
Operating result€323k-€271k▼ 16.1%€87k▼ 67.8%€124k▲ 42.3%
Net result€326k-€208k▼ 36.3%€71k▼ 65.9%€90k▲ 26.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€1.09M ▼ 3.3%
Current assets
€182k ▲ 38.8%
Equity and liabilities €1.27M
Equity
€847k ▲ 11.8%
Debt
€420k ▼ 15.3%
Debt's share of the balance-sheet total falls from 39.5% to 33.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€192k▲
2024 · €154k
Cash flow
€157k▲
2024 · €137k
Current ratio
0.43▲
2024 · 0.27
Debt to equity
0.50▼
2024 · 0.65
ROE
10.6%▲
2024 · 9.3%
ROA
7.1%▲
2024 · 5.6%
Interest coverage
1499.30▼
2024 · 3621.50
Debt ≤ 1 year
€420k▼
2024 · €491k
Income taxes
€35k▲
2024 · €16k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.25M€1.27M▲
Fixed assets21/28€1.12M€1.09M▼
Tangible fixed assets22/27€1.12M€1.09M▼
Land and buildings22€1.12M€1.08M▼
Plant, machinery and equipment23€5k€3k▼
Financial fixed assets28€55-
Current assets29/58€131k€182k▲
Amounts receivable within one year40/41€25k€43k▲
Trade receivables40€23k€43k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€101k€122k▲
Deferred charges and accrued income490/1€4k€16k▲
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.27M▲
Equity10/15€758k€847k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€418k€507k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€412k€501k▲
Profit (loss) carried forward14€278k€278k=
Amounts payable17/49€495k€420k▼
Amounts payable within one year42/48€491k€420k▼
Current portion of amounts payable after more than one year42€28k€28k=
Trade debts44€2k€868▼
Suppliers440/4€2k€868▼
Taxes, remuneration and social security45-€30k
Taxes450/3-€29k
Remuneration and social security454/9-€1k
Other amounts payable47/48€461k€361k▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€68k▲
Other operating charges640/8€23k€23k▼
Gross operating margin9900€177k€215k▲
Operating profit (loss)9901€87k€124k▲
Financial charges65/66B€42€128▲
Recurring financial charges65€42€128▲
Profit (loss) for the period before taxes9903€87k€124k▲
Income taxes67/77€16k€35k▲
Profit (loss) for the period9904€71k€90k▲
Profit (loss) for the period to be appropriated9905€71k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€278k€368k▲
Profit (loss) brought forward from the previous period14P€208k€278k▲
Transfer to equity691/2-€90k
To other reserves6921-€90k
The notes to these accounts (5 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €71k ▼65.9%
Net result drops to €71k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lochristi · 1 establishment unit since 2021
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.
Denen 529080 LochristiGround area
1.9 ha
Building footprint
1.5 ha
Parcel 44034B0819/00T000, Flanders. Linked by address, not a title deed.
1 establishment unit
ALMAGY
since 20212.318.859.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034B0819/00T000 | Flanders | 1.9 ha | 1 · 1.5 ha | - |
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.
Similar companies · same sector, comparable size
GERCAR
BE 0456.003.928
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SOUTH DESK
BE 0630.738.837
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IMMO DE WINNE
BE 0894.373.850
Aalst · Eq €846,086
VALDEL IMMO
BE 0635.531.231
Sint-Pieters-Woluwe · Eq €844,850
QUEEN-K
BE 0834.400.829
Tervuren · Eq €849,834
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 3,937 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.