Aurum
ActiveThe computed 12-month bankruptcy probability of Aurum is 2.5% (moderate). The 2025 annual accounts show equity of €23k and a net result of €-2k. Equity is shrinking by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 10% of 27319 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency2▼-1
Growth32=
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.18 against 0.09 in 2024), and 96.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.5%
Return on assets
-0.3%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€2k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 27319 sector peers (2025).
NBB · sector comparisonPosition among 27319 sector peers
Solvency
better than 10%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
19 d early
2022
21 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 6.9%
2024 · €24k
2022: €37k
2023: €48k
2024: €24k
2022 → 2025
Total assets
€657k▲ 22.2%
2024 · €537k
2022: €62k
2023: €87k
2024: €537k
2022 → 2025
Net result
€-2k▲ 92.8%
2024 · €-23k
2022: €17k
2023: €11k
2024: €-23k
2022 → 2025
Working capital
€-58k▲ 72.7%
2024 · €-212k
2022: €28k
2023: €39k
2024: €-212k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€37k-€48k▲ 29.1%€24k▼ 48.7%€23k▼ 6.9%
Operating result€23k-€14k▼ 39.5%€-18k€9k
Net result€17k-€11k▼ 36.1%€-23k€-2k▲ 92.8%
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: €9k after a loss of €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €657k
Fixed assets
€644k▲ 24.9%
Current assets
€13k▼ 40.9%
Equity and liabilities €657k
Equity
€23k▼ 6.9%
Debt
€634k▲ 23.6%
The debt ratio rises from 95.5% to 96.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€36k▲
2024 · €-7k
Cash flow
€25k▲
2024 · €-12k
Solvency
3.5%▼
2024 · 4.5%
Current ratio
0.18▲
2024 · 0.09
Quick ratio
0.18▲
2024 · 0.09
Debt / equity
27.92▲
2024 · 21.03
ROE
-7.4%▲
2024 · -94.9%
ROA
-0.3%▲
2024 · -4.3%
Interest coverage
3.13▲
2024 · -1.33
Debt
€634k▲
2024 · €513k
Debt ≤ 1 year
€71k▼
2024 · €233k
Debt > 1 year
€563k▲
2024 · €279k
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€537k€657k▲
Fixed assets21/28€516k€644k▲
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€513k€643k▲
Land and buildings22€509k€641k▲
Plant, machinery and equipment23€1k€655▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€21k€13k▼
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40€3k€1k▼
Other amounts receivable41€21€21=
Cash at bank and in hand54/58€18k€11k▼
Equity and liabilities
Total equity and liabilities10/49€537k€657k▲
Equity10/15€24k€23k▼
Contributions10/11€20k€20k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€-12k€-14k▼
Amounts payable17/49€513k€634k▲
Amounts payable after more than one year17€279k€563k▲
Financial debts170/4€279k€563k▲
Amounts payable within one year42/48€233k€71k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€1k€34k▲
Suppliers440/4€1k€34k▲
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€8k-
Other amounts payable47/48€206k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€26k▲
Other operating charges640/8€677€2k▲
Gross operating margin9900€-6k€38k▲
Operating profit (loss)9901€-18k€9k▲
Financial income75/76B€300€314▲
Recurring financial income75€300€314▲
Financial charges65/66B€5k€11k▲
Recurring financial charges65€5k€11k▲
Profit (loss) for the period before taxes9903€-23k€-2k▲
Profit (loss) for the period9904€-23k€-2k▲
Profit (loss) for the period to be appropriated9905€-23k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-14k▲
Profit (loss) brought forward from the previous period14P-€-12k
Transfer from equity791/2€11k-
The notes to these accounts (10 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼316%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Londerzeel · 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.
Kouterveld 121840 LonderzeelGround area
521 m²
Building footprint
117 m²
Volume, LiDAR
770 m³
Parcel 23048B0273/00L002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kouterveld 12, 1840 Londerzeel
since 20212.319.242.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23048B0273/00L002 | Flanders | 521 m² | 1 · 117 m² | 9.4 m · 2 fl. |
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.
Similar companies · same sector, comparable size
VDS AANNEMINGEN
BE 0795.483.340
Brugge · Eq €23k
PIERRE SIBILLE CONSTRUCTIONS
BE 0895.147.870
Florennes · Eq €23k
Gold Pigeon Store
BE 0416.872.445
Scherpenheuvel-Zichem · Eq €23k
COMPLET CONSTRUCT&CLEAN
BE 0738.869.685
Sint-Jans-Molenbeek · Eq €23k
L&D RENOVATIE
BE 0671.581.577
Kampenhout · Eq €23k
Of 15,434 companies in sector 43990 we hold annual accounts for 7,355. 5,319 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2021
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.