B4UMA
ActiveB4UMA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €80k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 2.3 in 2024), and 74.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
25.4%
Return on assets
41.9%
Age of the figures
8 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 05-06-2026, 56 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
56 d early
2024
119 d early
2023
134 d early
2022
159 d early
2021
12 d early
2020
20 d late
2019
94 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k=
2024 · €49k
2019: €5k
2020: €38k
2021: €53k
2022: €53k
2023: €53k
2024: €49k
2019 → 2025
Total assets
€191k▼ 24.3%
2024 · €253k
2019: €26k
2020: €86k
2021: €125k
2022: €158k
2023: €223k
2024: €253k
2019 → 2025
Net result
€80k▲ 12.8%
2024 · €71k
2019: €4k
2020: €33k
2021: €15k
2022: €28k
2023: €76k
2024: €71k
2019 → 2025
Working capital
€32k▼ 76.6%
2024 · €135k
2019: €5k
2020: €38k
2021: €53k
2022: €53k
2023: €53k
2024: €135k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€53k=€53k=€49k▼ 8.7%€49k=
Operating result€22k-€36k▲ 64.7%€94k▲ 161%€91k▼ 3.0%€97k▲ 6.1%
Net result€15k-€28k▲ 87.6%€76k▲ 170%€71k▼ 6.1%€80k▲ 12.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€17k▲ 28.2%
Current assets
€175k▼ 27.2%
Equity and liabilities €191k
Equity
€49k=
Debt
€143k▼ 30.1%
The debt ratio falls from 80.8% to 74.6%: debt is paid down.
Key figures and ratios
EBITDA
€98k
Cash flow
€82k
Solvency
25.4%▲
2024 · 19.2%
Current ratio
1.22▼
2024 · 2.30
Quick ratio
1.22▼
2024 · 2.30
Debt / equity
2.94▼
2024 · 4.20
ROE
165.1%▲
2024 · 146.3%
ROA
41.9%▲
2024 · 28.1%
Interest coverage
1152.16
Debt
€143k▼
2024 · €204k
Debt ≤ 1 year
€143k▲
2024 · €104k
Income taxes
€17k▼
2024 · €24k
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€253k€191k▼
Fixed assets21/28€13k€17k▲
Tangible fixed assets22/27€13k€17k▲
Other tangible fixed assets26-€17k
Assets under construction and advance payments27€13k-
Current assets29/58€240k€175k▼
Amounts receivable within one year40/41€18k€7k▼
Trade receivables40€16k€4k▼
Other amounts receivable41€1k€3k▲
Current investments50/53€161k€500▼
Cash at bank and in hand54/58€62k€166k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€253k€191k▼
Equity10/15€49k€49k=
Contributions10/11€1k€1k=
Reserves13€48k€48k=
Distributable reserves133€48k€48k=
Amounts payable17/49€204k€143k▼
Amounts payable after more than one year17€100k-
Other amounts payable178/9€100k-
Amounts payable within one year42/48€104k€143k▲
Trade debts44€1k€45▼
Suppliers440/4€1k€45▼
Taxes, remuneration and social security45€28k€22k▼
Taxes450/3€23k€17k▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€75k€121k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1k
Other operating charges640/8€387€955▲
Gross operating margin9900€92k€99k▲
Operating profit (loss)9901€91k€97k▲
Financial income75/76B€3k€499▼
Recurring financial income75€3k€499▼
Financial charges65/66B€162€85▼
Recurring financial charges65€162€85▼
Profit (loss) for the period before taxes9903€95k€97k▲
Income taxes67/77€24k€17k▼
Profit (loss) for the period9904€71k€80k▲
Profit (loss) for the period to be appropriated9905€71k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€80k▲
Profit (loss) brought forward from the previous period14P€647-
Transfer from equity791/2€4k-
Profit to be distributed694/7€76k€80k▲
Return on contributions (dividend)694€76k€77k▲
Directors or managers695-€3k
The notes to these accounts (6 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €80k ▲12.8%
Operating result €97k, net result €80k, both a record.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Vorst · 1 establishment unit since 2019
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.
Jupiterlaan 1911190 VorstGround area
2,845 m²
Building footprint
494 m²
Volume, LiDAR
13,060 m³
Parcel 21383B0049/00G011, Brussels · tallest building 30.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
B4UMA
since 20192.294.620.617
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0049/00G011 | Brussels | 2,845 m² | 1 · 494 m² | 30.2 m · 9 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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,910 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.