ARUMA
ActiveARUMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €38k. Equity is shrinking by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency83▼-8
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 2.29 in 2024; short-term debt: 41.6% and cash: 43.1% of total assets), and 41.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.4%
Return on assets
51.6%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
8 d early
2024
4 d late
2023
13 d late
2022
28 d early
2021
11 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 38.7%
2024 · €70k
2021: €29k
2022: €107k
2023: €177k
2024: €70k
2021 → 2025
Total assets
€74k▼ 30.7%
2024 · €106k
2021: €68k
2022: €138k
2023: €203k
2024: €106k
2021 → 2025
Net result
€38k
2024 · €-27k
2021: €24k
2022: €79k
2023: €70k
2024: €-27k
2021 → 2025
Working capital
€18k▼ 61.7%
2024 · €47k
2021: €25k
2022: €92k
2023: €163k
2024: €47k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€107k▲ 275%€177k▲ 64.9%€70k▼ 60.3%€43k▼ 38.7%
Operating result€29k-€103k▲ 248%€85k▼ 16.8%€-26k€45k
Net result€24k-€79k▲ 233%€70k▼ 11.5%€-27k€38k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €45k after a loss of €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€25k▲ 6.5%
Current assets
€49k▼ 41.3%
Equity and liabilities €74k
Equity
€43k▼ 38.7%
Debt
€31k▼ 14.9%
The debt ratio rises from 33.9% to 41.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €-22k
Cash flow
€41k▲
2024 · €-22k
Solvency
58.4%▼
2024 · 66.1%
Current ratio
1.58▼
2024 · 2.29
Quick ratio
1.58▼
2024 · 2.29
Debt / equity
0.71▲
2024 · 0.51
ROE
88.4%▲
2024 · -37.9%
ROA
51.6%▲
2024 · -25.1%
Interest coverage
21.78▲
2024 · -6.65
Debt
€31k▼
2024 · €36k
Debt ≤ 1 year
€31k▼
2024 · €36k
Income taxes
€5k▲
2024 · €153
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€106k€74k▼
Fixed assets21/28€24k€25k▲
Tangible fixed assets22/27€19k€21k▲
Plant, machinery and equipment23€2k€6k▲
Other tangible fixed assets26€17k€15k▼
Financial fixed assets28€5k€5k=
Current assets29/58€83k€49k▼
Amounts receivable after more than one year29€40k-
Other amounts receivable291€40k-
Amounts receivable within one year40/41€2k€17k▲
Trade receivables40€2k€13k▲
Other amounts receivable41€834€3k▲
Cash at bank and in hand54/58€39k€32k▼
Deferred charges and accrued income490/1€2k€135▼
Equity and liabilities
Total equity and liabilities10/49€106k€74k▼
Equity10/15€70k€43k▼
Contributions10/11€5k€5k=
Reserves13€65k€38k▼
Distributable reserves133€65k€38k▼
Amounts payable17/49€36k€31k▼
Amounts payable within one year42/48€36k€31k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€30k€4k▼
Taxes450/3€21k€4k▼
Remuneration and social security454/9€10k-
Other amounts payable47/48€3k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€786€1k▲
Gross operating margin9900€-21k€49k▲
Operating profit (loss)9901€-26k€45k▲
Financial income75/76B€3k€505▼
Recurring financial income75€3k€505▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-27k€43k▲
Income taxes67/77€153€5k▲
Profit (loss) for the period9904€-27k€38k▲
Profit (loss) for the period to be appropriated9905€-27k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€38k▲
Transfer from equity791/2€107k€65k▼
Transfer to equity691/2-€38k
To other reserves6921-€38k
Profit to be distributed694/7€80k€65k▼
Return on contributions (dividend)694€80k€65k▼
The notes to these accounts (7 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Weakest financial yearnet €-27k ▼138%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Equity above €150kEq €177k ▲64.9%
3 profitable years in a row build equity to €177k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €79k ▲233%
Operating result €103k, net result €79k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.03
Current ratio from 1.65 to 4.03; short-term debt falls from €39k to €31k.
31-12
Financial
Equity above €100kEq €107k ▲275%
2 profitable years in a row build equity to €107k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mettet · 1 establishment unit since 2021
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.
Place d'Oret, Oret 55640 MettetGround area
190 m²
Building footprint
112 m²
Parcel 93052B0004/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ARUMA
since 20212.319.063.528
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93052B0004/00E000 | Wallonia | 189 m² | 1 · 112 m² | - |
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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LDG CONSULTANCY
BE 1000.969.922
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DoGi Services
BE 1011.279.042
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2021
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@aruma.eu