Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 21 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Alfa from Tongeren-Borgloon, company number BE0400926338, closed financial year 2025 with a result of € -20,897 after tax. For that financial year Alfa recorded a gross margin of € 395,397 and equity of € 3.9 million. Compared with financial year 2024, the result moved from € -9,161 to € -20,897. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 3.9 million
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -20,897
▼ 128 % more loss than in 2024
Profit after tax over the fiscal year.
€ 72,128
▲ 232% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 625,269.
People and assets in 2025
1.5
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 50,525
▲ 121% vs 2024
€ 33,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 4.5 million
▲ 42% vs 2024
€ 94,378 is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.
€ 262,766
▲ € 201,334 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 70,945
▲ 3% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 284,776 | € 292,533 | € 328,819 | € 395,397 | ▲ 20% |
| Profit after taxes | € -1,192 | € -10,885 | € -9,161 | € -20,897 | ▼ € 11,736 |
| Equity | € 786,940 | € 776,056 | € 4,016,894 | € 3,925,269 | ▼ 2% |
| Total debts | € 2,962,780 | € 2,786,118 | € 3,795,070 | € 5,258,960 | ▲ 39% |
| Cash | € 4,952 | € 2,212 | € 21,755 | € 72,128 | ▲ 232% |
| Land & buildings | € 2,401,395 | € 2,313,453 | € 6,036,267 | € 6,283,014 | ▲ 4% |
| Retained profit | € 436,940 | € 426,056 | € 416,894 | € 625,269 | ▲ 50% |
| Bank debt | € 2,772,241 | € 2,520,850 | € 3,136,425 | € 4,458,315 | ▲ 42% |
| Balance sheet total | € 3,778,638 | € 3,580,576 | € 7,819,851 | € 9,258,338 | ▲ 18% |
| Employees (FTE) | - | 0 | 0.7 | 1.5 | ▲ 0.8 |
Key figures of Alfa, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Alfa?
What happened at Alfa in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 20,897. Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Tongeren-Borgloon. KBO
In short
From € 1,192 loss in 2022 to € 20,897 loss in 2025.
Paid € 50,125 in corporate taxes since 2022.
On average € 263,600 of value added per employee in 2025.
A new publication or filing at Alfa? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of ALFA HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
AlfaBehind Alfa are Filip Ruiters, Anne-Marie Hansen and Alfa Holding BV. The shares are held by ALFA HOLDING (99.9%).
Directors
According to the 2025 annual accounts
Anne-Marie Hansen
Director
Managing director · represented by Frank Ruiters
Shareholders
99.9%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Maastrichterstraat 31
3700 Tongeren-Borgloon
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0400.926.338
- VAT number
- BE 0400.926.338
- Registered office
- Maastrichterstraat 31, 3700 Tongeren-Borgloon
- Names & denominations
- Alfa
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 3 September 1954
- Peppol
- Active · Active since 17 Jun 2025
- Activities · NACE
Detailhandel in baby- en kinderbovenkleding
Detailhandel in schoeisel
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)
Detailhandel in huismeubilair
Detailhandel in huismeubilair in gespecialiseerde winkels