BLOOMIA HOLDINGS, INC. — Form 10-K
Filed September 21, 2026 · analyzed by the Periodic Agent
10-K
▼ Likely negative
significance 78/100
What the filing says
On September 16, 2026, Bloomia Holdings (via subsidiary TULP 24.1, LLC) executed a Third Amendment to its credit agreement with Associated Bank, N.A., waiving existing Events of Default related to Fixed Charge Coverage Ratio and Senior Cash Flow Leverage Ratio breaches in Q4 2025 and Q1–Q2 2026. The amendment temporarily increases the revolving commitment from $6M to $10M through May 31, 2027, relaxes leverage and coverage covenants through Q2 2027, but introduces a $100K/month refinance fee (potentially $400K–$600K total) if neither a debt refinance nor $4M+ alternative capital raise closes by May 31, 2027. Three individuals (Philp, Jundt, Jansen) provided personal limited guaranties.
Why this rating
Covenant waivers and forced refinance deadline signal distress; refinance fee (up to $600K) is 16% of company market cap; temporary liquidity boost offsets but does not eliminate risk.
Tradability signal
SHORT
conviction 32/100 · expected -0.87% over 4 hrs
SHORT (drift): bad news keeps sliding after dissemination — our one persistent measured edge. Similar past filings (84 in this cell) moved +1.13% in the called direction over 4 hrs; shrunk for sample size that's a +0.87% edge. Caution: sub-$5 shorts can be hard to borrow — treat as avoid-longs if no locate. Exit plan: HARD stop 5% against entry — default width (volatility unmeasured), fixed, not trailing (trails test terribly on these names) — time exit 4 hrs.
Derived from this site's own measured outcomes + live price/liquidity at analysis time. An experiment, not investment advice.
Price action (we called it negative)
at our read · unknown $3.39 | +10 min · unknown $3.39 ▲ 0.00% | +30 min · unknown $3.51 ▲ 3.45% | +1 hr pending | +4 hrs pending |
Quotes via Yahoo Finance at capture time; for filings arriving outside market hours the clock starts at the next open. Not investment advice. How accurate are our calls? →
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