BUM GROUP
ActiveThe computed 12-month bankruptcy probability of BUM GROUP is 2.4% (moderate). The 2025 annual accounts show equity of €7k and a net result of €-1k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 12% of 7330 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency12▼-1
Growth78=
Stability94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.01 against 1.02 in 2024), and 99.3% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 7330 sector peers (2025).
NBB · sector comparisonPosition among 7330 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 18.1%
2024 · €8k
2022: €6k
2023: €6k
2024: €8k
2022 → 2025
Total assets
€1.02M▲ 205%
2024 · €333k
2022: €36k
2023: €52k
2024: €333k
2022 → 2025
Net result
€-1k
2024 · €2k
2022: €-2k
2023: €-752
2024: €2k
2022 → 2025
Working capital
€8k▼ 3.3%
2024 · €8k
2022: €6k
2023: €6k
2024: €8k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€6k▼ 11.6%€8k▲ 41.9%€7k▼ 18.1%
Operating result€-2k-€-698▲ 54.1%€-64▲ 90.9%€-1k▼ 1,993%
Net result€-2k-€-752▲ 50.7%€2k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €64 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.02M
Equity
€7k▼ 18.1%
Debt
€1.01M▲ 211%
The debt ratio rises from 97.6% to 99.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
0.7%▼
2024 · 2.4%
Current ratio
1.01▼
2024 · 1.02
Quick ratio
0.03▲
2024 · 0.02
ROE
-22.0%▼
2024 · 29.5%
ROA
-0.1%▼
2024 · 0.7%
Debt
€1.01M▲
2024 · €325k
Debt ≤ 1 year
€1.01M▲
2024 · €325k
A ratio outside any meaningful range has been withheld (balance sheet total €1.02M, equity €7k).
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€333k€1.02M▲
Current assets29/58€333k€1.02M▲
Stocks and contracts in progress3€326k€991k▲
Stocks30/36€326k€991k▲
Amounts receivable within one year40/41€3k€8k▲
Other amounts receivable41€3k€8k▲
Cash at bank and in hand54/58€5k€19k▲
Equity and liabilities
Total equity and liabilities10/49€333k€1.02M▲
Equity10/15€8k€7k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€119€-1k▼
Amounts payable17/49€325k€1.01M▲
Amounts payable within one year42/48€325k€1.01M▲
Financial debts43€30k€655k▲
Credit institutions430/8€30k€655k▲
Trade debts44€241€2k▲
Suppliers440/4€241€2k▲
Taxes, remuneration and social security45€942€942=
Taxes450/3€942€942=
Other amounts payable47/48€294k€352k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Other operating charges640/8-€799
Gross operating margin9900€-64€-536▼
Operating profit (loss)9901€-64€-1k▼
Financial income75/76B€3k€2▼
Recurring financial income75€3k€2▼
Financial charges65/66B€700€134▼
Recurring financial charges65€700€134▼
Profit (loss) for the period before taxes9903€2k€-1k▼
Profit (loss) for the period9904€2k€-1k▼
Profit (loss) for the period to be appropriated9905€2k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€119€-1k▼
Profit (loss) brought forward from the previous period14P€-2k€119▲
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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, Zemst
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.
Bos-van-Steenstraat 121980 ZemstGround area
1,621 m²
Building footprint
224 m²
Volume, LiDAR
1,332 m³
Parcel 23096D0121/00T000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23096D0121/00T000 | Flanders | 1,621 m² | 1 · 224 m² | 9.2 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
GROUP-DN
BE 0831.520.127
Brugge · Eq €7k
BLACK ROCK CONSTRUCTION
BE 1008.208.991
Dilbeek · Eq €7k
SACCO CONSTRUCT
BE 0747.534.062
Binche · Eq €7k
ELEKTRO-CONSTRUCT
BE 0764.471.351
Herzele · Eq €7k
CON ARTE
BE 1007.019.554
Sint-Truiden · Eq €7k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 7,530 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.