B.U.M.
ActiveB.U.M. has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €284k and a net result of €41k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 93% of 998 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▼-5
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.51 against 5.51 in 2023; short-term debt: 7.6% and cash: 62.5% of total assets), and 7.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 78
Relative position
BE, all sectors
reference
Sector 78
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 2024Solvency, return and age of the figures
Solvency
92.4%
Return on assets
13.5%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €284k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
57 d early
2022
7 d early
2021
12 d early
2020
85 d early
2019
53 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€284k▲ 17.1%
2023 · €243k
2018: €272k
2019: €287k
2020: €236k
2021: €245k
2022: €240k
2023: €243k
2018 → 2024
Total assets
€308k▲ 6.2%
2023 · €290k
2018: €340k
2019: €313k
2020: €334k
2021: €252k
2022: €257k
2023: €290k
2018 → 2024
Net result
€41k▼ 21.2%
2023 · €53k
2018: €36k
2019: €15k
2020: €25k
2021: €31k
2022: €27k
2023: €53k
2018 → 2024
Working capital
€247k▲ 16.6%
2023 · €212k
2018: €267k
2019: €277k
2020: €229k
2021: €220k
2022: €210k
2023: €212k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€236k-€245k▲ 3.6%€240k▼ 2.0%€243k▲ 1.3%€284k▲ 17.1%
Operating result€34k-€35k▲ 2.1%€48k▲ 36.2%€74k▲ 55.8%€59k▼ 21.0%
Net result€25k-€31k▲ 26.4%€27k▼ 14.1%€53k▲ 96.2%€41k▼ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 21% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €308k
Fixed assets
€37k▲ 20.5%
Current assets
€271k▲ 4.5%
Equity and liabilities €308k
Equity
€284k▲ 17.1%
Debt
€24k▼ 50.0%
The debt ratio falls from 16.2% to 7.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▼
2023 · €79k
Cash flow
€46k▼
2023 · €57k
Solvency
92.4%▲
2023 · 83.8%
Current ratio
11.51▲
2023 · 5.51
Quick ratio
11.51▲
2023 · 5.51
Debt / equity
0.08▼
2023 · 0.19
ROE
14.6%▼
2023 · 21.7%
ROA
13.5%▼
2023 · 18.1%
Interest coverage
285.48▼
2023 · 325.10
Debt
€24k▼
2023 · €47k
Debt ≤ 1 year
€24k▼
2023 · €47k
Income taxes
€18k▼
2023 · €22k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€290k€308k▲
Fixed assets21/28€31k€37k▲
Tangible fixed assets22/27€29k€35k▲
Land and buildings22€23k€21k▼
Furniture and vehicles24€2k€12k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€2k€2k=
Current assets29/58€259k€271k▲
Amounts receivable within one year40/41€27k€38k▲
Trade receivables40€18k€25k▲
Other amounts receivable41€8k€12k▲
Current investments50/53€35k€35k=
Cash at bank and in hand54/58€194k€192k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€290k€308k▲
Equity10/15€243k€284k▲
Contributions10/11€9k€9k=
Reserves13€234k€275k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€234k€275k▲
Profit (loss) carried forward14€4€4=
Amounts payable17/49€47k€24k▼
Amounts payable within one year42/48€47k€24k▼
Trade debts44€7k€15k▲
Suppliers440/4€7k€15k▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€29k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€81k€65k▼
Operating profit (loss)9901€74k€59k▼
Financial income75/76B€466€840▲
Recurring financial income75€466€840▲
Financial charges65/66B€242€222▼
Recurring financial charges65€242€222▼
Profit (loss) for the period before taxes9903€75k€59k▼
Income taxes67/77€22k€18k▼
Profit (loss) for the period9904€53k€41k▼
Profit (loss) for the period to be appropriated9905€53k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€41k▼
Profit (loss) brought forward from the previous period14P€4€4=
Transfer from equity791/2€49k€0▼
Transfer to equity691/2€53k€41k▼
To other reserves6921€53k€41k▼
Profit to be distributed694/7€49k€0▼
Return on contributions (dividend)694€49k€0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 11.51
Current ratio from 5.51 to 11.51; short-term debt falls from €47k to €24k.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €53k ▲96.2%
Operating result €74k, net result €53k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 9current ratio 29.77
Current ratio from 3.35 to 29.77; short-term debt falls from €97k to €8k.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €15k ▼58.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 11.43
Current ratio from 4.91 to 11.43; short-term debt falls from €68k to €27k.
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Gavere · 1 establishment unit since 2007
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.
Sint-Rochusstraat 109890 GavereGround area
1,310 m²
Building footprint
131 m²
Volume, LiDAR
728 m³
Parcel 44020A0560/00C000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.U.M.
since 20072.159.354.513
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44020A0560/00C000 | Flanders | 1,310 m² | 1 · 131 m² | 6.9 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.
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2007
Fiscal year end31-12
Activities, NACEBEL
74142
78100Employment placement agencies
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
78300Employment activities
80421
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.