ALOA Trading
ActiveSummary
The computed 12-month bankruptcy probability of ALOA Trading is 1.7% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 11322 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▲+4
Solvency34▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.16 in 2024; short-term debt: 91% of total assets), and 91% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9%
Return on assets
-7.6%
Age of the figures
9 mo
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
19202122232425
2019 to 2025 · latest year €-23k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
37 d late
2022
25 d late
2021
31 d late
2020
30 d late
2019
31 d late
← 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, micro schema
Equity
€27k▼ 45.9%
2024 · €51k
2019: €25k
2020: €78k
2021: €25k
2022: €69k
2023: €85k
2024: €51k
2019 → 2025
Total assets
€303k▼ 6.7%
2024 · €325k
2019: €57k
2020: €622k
2021: €678k
2022: €324k
2023: €365k
2024: €325k
2019 → 2025
Net result
€-23k▲ 32.8%
2024 · €-35k
2019: €13k
2020: €52k
2021: €-53k
2022: €45k
2023: €16k
2024: €-35k
2019 → 2025
Working capital
€27k▼ 39.7%
2024 · €44k
2019: €31k
2020: €78k
2021: €11k
2022: €53k
2023: €73k
2024: €44k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€69k▲ 182%€85k▲ 23.0%€51k▼ 40.6%€27k▼ 45.9%
Operating result€-46k-€47k€24k▼ 48.9%€-34k€-22k▲ 35.6%
Net result€-53k-€45k€16k▼ 64.4%€-35k€-23k▲ 32.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2025 against €34k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €303k
Fixed assets
€625 ▼ 89.9%
Current assets
€303k ▼ 5.0%
Equity and liabilities €303k
Equity
€27k ▼ 45.9%
Debt
€276k ▲ 0.6%
Debt's share of the balance-sheet total rises from 84.4% to 91.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-16k▲
2024 · €-28k
Cash flow
€-18k▲
2024 · €-29k
Current ratio
1.10▼
2024 · 1.16
Quick ratio
0.87▼
2024 · 0.94
Debt to equity
10.09▲
2024 · 5.43
ROE
-84.8%▼
2024 · -68.3%
ROA
-7.6%▲
2024 · -10.6%
Interest coverage
-13.09▲
2024 · -49.11
Debt ≤ 1 year
€276k▲
2024 · €274k
Income taxes
€176▲
2024 · €140
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€325k€303k▼
Fixed assets21/28€6k€625▼
Tangible fixed assets22/27€6k€520▼
Furniture and vehicles24€6k€520▼
Financial fixed assets28€105€105=
Current assets29/58€319k€303k▼
Stocks and contracts in progress3€62k€62k=
Stocks30/36€62k€62k=
Amounts receivable within one year40/41€250k€237k▼
Trade receivables40€21k€21k=
Other amounts receivable41€228k€216k▼
Cash at bank and in hand54/58€0-
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€325k€303k▼
Equity10/15€51k€27k▼
Contributions10/11€12k€12k=
Reserves13€650€650=
Distributable reserves133€650€650=
Profit (loss) carried forward14€38k€14k▼
Amounts payable17/49€274k€276k▲
Amounts payable within one year42/48€274k€276k▲
Financial debts43€6k€9k▲
Credit institutions430/8€6k€9k▲
Trade debts44€262k€266k▲
Suppliers440/4€262k€266k▲
Taxes, remuneration and social security45€6k€426▼
Taxes450/3€6k€426▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€1k€600▼
Gross operating margin9900€-27k€-16k▲
Operating profit (loss)9901€-34k€-22k▲
Financial charges65/66B€575€1k▲
Recurring financial charges65€575€1k▲
Profit (loss) for the period before taxes9903€-34k€-23k▲
Income taxes67/77€140€176▲
Profit (loss) for the period9904€-35k€-23k▲
Profit (loss) for the period to be appropriated9905€-35k€-23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€14k▼
Profit (loss) brought forward from the previous period14P€72k€38k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-53k ▼202%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2019net €52k ▲303%
Operating result €65k, net result €52k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 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, Tubize · 1 establishment unit since 2019
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.
Avenue Salvador Allende 301480 TubizeGround area
699 m²
Building footprint
92 m²
Volume, LiDAR
632 m³
Parcel 25105A0347/00E000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALOA Trading
since 20192.284.705.633
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105A0347/00E000 | Wallonia | 699 m² | 1 · 92 m² | 9.4 m · 2 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.
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Of 1,581 companies in sector 46349 we hold annual accounts for 987. 509 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 formPrivate limited company
Founded22-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46349Wholesale of beverages, general range
46170Agents in the wholesale of food, beverages and tobacco
46190Agents in non-specialised wholesale trade
46389Wholesale of other food products
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.