Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ALVAD - SCA from Elsene, company number BE0441807185, closed financial year 2025 with a result of € -17,989 after tax. For that financial year ALVAD - SCA recorded a gross margin of € -16,554 and equity of € -134,184. Compared with financial year 2024, the result moved from € -9,874 to € -17,989. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 16, 2026.
€ -134,184
▼ € 17,989 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -17,989
▼ 82 % more loss than in 2024
Profit after tax over the fiscal year.
€ 376
▼ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -152,776.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 273
▼ 40% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -17,750 | € -22,127 | € -8,424 | € -16,554 | ▼ € 8,130 |
| Profit after taxes | € -18,954 | € -23,406 | € -9,874 | € -17,989 | ▼ € 8,115 |
| Equity | € -82,914 | € -106,320 | € -116,195 | € -134,184 | ▼ € 17,989 |
| Total debts | € 86,941 | € 113,650 | € 119,841 | € 138,783 | ▲ 16% |
| Cash | € 835 | € 2,949 | € 471 | € 376 | ▼ 20% |
| Retained profit | € -101,506 | € -124,912 | € -134,787 | € -152,776 | ▼ € 17,989 |
| Bank debt | € 557 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 4,027 | € 7,330 | € 3,647 | € 4,599 | ▲ 26% |
Key figures of ALVAD - SCA, 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 ALVAD - SCA?
What happened at ALVAD - SCA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 17,989. Source: NBB ↗
- Michel STILLEMANS became a director. NBB
- New establishment in Elsene. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,954 loss in 2022 to € 17,989 loss in 2025.
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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
Behind ALVAD - SCA is Michel STILLEMANS.
Directors
According to the 2025 annual accounts
Michel STILLEMANS
Managing director
since 2004
Establishments
Establishment units
Physical locations of this company
Sans Soucistraat 110H
1050 Elsene
Sans Soucistraat 110
1050 Elsene
Active since 8 November 1990
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0441.807.185
- VAT number
- BE 0441.807.185
- Registered office
- Sans Soucistraat 110H, 1050 Elsene
- Names & denominations
- ALVAD - SCA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 November 1990
- Peppol
- Active · Active since 31 Oct 2024
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in motorvoertuigen
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten