Equity
€1.5m ▼ 4.4%
Dumo paid out €50,000 in dividends in a year with a loss of €19,539.
Dumo
Lifetime
20 annual accounts with figures on one time axis, 48 filings since 1978peak €801,435 (2024)
€36,978▼ 95.4%
lowest -€29,430 (2010)
-€19,539▼ €521,685
peak €1.6m (2024)
€1.5m▼ 4.4%
€170,872▼ 19.7%
peak 0.8 FTE (2006)
-not published
Board2 names since 2021
2 directorsDUCHI Bernadette and 1 other
Documentsfilings and deeds
16-04-2026106 days before the deadline
2025micro format
Gross margin from €801,435 to €36,978Loss of €19,539Dividend €50,000Debts from €212,749 to €170,872Cash from €101,630 to €179,341
Key points
from the 2025 annual accountsResult
-€19,539 -€19,539
From profit to loss in 2025, after a profit of €502,146 in 2024.
Position in the sector
€1.5m
More equity than 95% of companies in real estate. Sector median €73,122 · 17,201 companies.
Checked score
95
Excellent
Financially stronger than 61% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025lowest value
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026highest value
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €19,539 (financial year 2025)
lowers risk
Size: total assets €1.7m
Equity €1.5m (89.8% of total assets)
Founded in 1977
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 75% on liquidity, 44% on profitability and 35% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as Dumo has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Dumo itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for Dumo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €140,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.08 (9.76 in 2024), above the usual 1.5. Short-term debt is 6.3% and cash 10.7% of total assets. 10.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 16-04-2026, 106 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
106 days early
2024
64 days early
2023
128 days early
2022
18 days early
2021
26 days late
2020
20 days late
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 35 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 May (4 of the last 5 accounts filed within 63 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0417793351
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Middelkerke
Environmental permit granted
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging · Middelkerke
Registered office moved within Middelkerke
New registered office: Zeedijk 361, 8430 Middelkerke · Previous registered office: Zeedijk 346, 8430 Middelkerke · Changes of role: DUCHI Bernadette (statutory director) and DUCHI Henk (statutory director) · General meeting of 13-06-2022 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as Dumo: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €1.2m and €2.1m, founded between 1968 and 1986.
Official details
Source: KBO- Status
- Active since 20-07-1977Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 3 others
- Establishment unit
- 2.018.327.4018430 Middelkerke, since 27-02-1978
- Financial year end
- 31 December
- Peppol
- Reachable since 05-11-2026
Annual accounts 2025
- ≈ €100,000estimated
- €1.7m▼ 6.2%
- Filing
- Filed on 16-04-2026, 106 days before the end of the filing period
Insights on Dumo
Dumo files the micro format. That format states no turnover. The gross margin fell from €107,262 in 2006 to €36,978 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Dumo
- What is the company number of Dumo?
- The company number of Dumo is 0417.793.351. The VAT number is the same number with BE in front: BE 0417.793.351.
- Where is Dumo based?
- The registered office is at Zeedijk 361, 8430 Middelkerke.Company details
- What does Dumo do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of Dumo?
- Dumo is a private limited company (BV).
- When was Dumo founded?
- Dumo was founded on 20-07-1977.
- Is Dumo still active?
- Yes, Dumo is an active enterprise in the KBO register.
- What is the turnover of Dumo?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €36,978 and 32 comparable companies (NACE 681). It probably lies between €56,000 and €210,000.Financials
- Is Dumo profitable?
- In financial year 2025, Dumo made a loss of €19,539.
- Where can I find the annual accounts of Dumo?
- Dumo filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Dumo due?
- Dumo must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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