BUMAS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €167k and a net result of €46k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 5507 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 d early
2024
22 d early
2023
2 d early
2022
56 d early
2021
3 d early
2020
3 d early
2019
on the day
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€167k▲ 35.3%
2024 · €123k
2019: €24k
2020: €43k
2021: €62k
2022: €79k
2023: €103k
2024: €123k
2019 → 2025
Net result
€46k▲ 117%
2024 · €21k
2019: €12k
2020: €20k
2021: €20k
2022: €17k
2023: €25k
2024: €21k
2019 → 2025
Total assets
€349k▲ 66.1%
2024 · €210k
2019: €207k
2020: €207k
2021: €207k
2022: €207k
2023: €206k
2024: €210k
2019 → 2025
Solvency
47.8%▼ 10.9pp
2024 · 58.6%
2019: 11.4%
2020: 20.9%
2021: 30.2%
2022: 38.2%
2023: 49.9%
2024: 58.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€79k▲ 26.6%€103k▲ 30.2%€123k▲ 19.7%€167k▲ 35.3%
Operating result€24k-€25k▲ 0.9%€23k▼ 7.2%€24k▲ 6.6%€41k▲ 67.4%
Net result€20k-€17k▼ 13.2%€25k▲ 41.8%€21k▼ 14.4%€46k▲ 117%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 67% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€310k▲ 72.2%
Current assets
€39k▲ 29.6%
Equity and liabilities €349k
Equity
€167k▲ 35.3%
Debt
€182k▲ 110%
The debt ratio rises from 41.4% to 52.2%. Equity and debt are higher.
Key figures and ratios
Solvency
47.8%▼
2024 · 58.6%
ROE
27.5%▲
2024 · 17.1%
ROA
13.1%▲
2024 · 10.1%
Debt
€182k▲
2024 · €87k
Debt ≤ 1 year
€48k▲
2024 · €27k
Debt > 1 year
€135k▲
2024 · €59k
Income taxes
€10k▲
2024 · €8k
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€210k€349k▲
Fixed assets21/28€180k€310k▲
Financial fixed assets28€180k€310k▲
Current assets29/58€30k€39k▲
Amounts receivable within one year40/41€1€146▲
Trade receivables40€1€0▼
Other amounts receivable41-€146
Cash at bank and in hand54/58€30k€39k▲
Equity and liabilities
Total equity and liabilities10/49€210k€349k▲
Equity10/15€123k€167k▲
Contributions10/11€12k€12k=
Reserves13€111k€154k▲
Distributable reserves133€111k€154k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€87k€182k▲
Amounts payable after more than one year17€59k€135k▲
Financial debts170/4€59k€135k▲
Amounts payable within one year42/48€27k€48k▲
Current portion of amounts payable after more than one year42€18k€36k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€859€2k▲
Accrued charges and deferred income492/3€1k€12▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126€0▼
Other operating charges640/8€667€683▲
Gross operating margin9900€25k€42k▲
Operating profit (loss)9901€24k€41k▲
Financial income75/76B€5k€15k▲
Recurring financial income75€5k€15k▲
Financial charges65/66B€188€188=
Recurring financial charges65€188€188=
Profit (loss) for the period before taxes9903€29k€56k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€21k€46k▲
Profit (loss) for the period to be appropriated9905€21k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€46k▲
Transfer to equity691/2€20k€44k▲
To other reserves6921€20k€44k▲
Profit to be distributed694/7€859€2k▲
Return on contributions (dividend)694€859€833▼
Directors or managers695-€2k
The notes to these accounts (11 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €46k ▲117%
Operating result €41k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲35.3%
7 profitable years in a row build equity to €167k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €103k ▲30.2%
5 profitable years in a row build equity to €103k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Wetteren · 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.
Brusselsesteenweg 3859230 WetterenGround area
162 m²
Building footprint
108 m²
Parcel 42012A0448/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
BUMAS
since 20192.287.658.094
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42012A0448/00N000 | Flanders | 162 m² | 1 · 108 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.
Similar companies · same sector, comparable size
FBJ-holding
BE 0795.354.468
Merksplas · Eq €167k
JONAVA Consult
BE 0862.666.827
Scherpenheuvel-Zichem · Eq €167k
Euro - Immo
BE 0466.881.685
Merelbeke-Melle · Eq €167k
G-Verse
BE 0786.336.141
Elsene · Eq €167k
JESCON
BE 0478.238.011
Kontich · Eq €167k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.