BUMO
ActiveBUMO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €29k and a net result of €-2k. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 3695 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2023
Axes · tick = 2022
Profitability4▲+4
Solvency56▼-21
Growth32=
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.18 against 1.1 in 2022), and 67.2% 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+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 01
Relative position
BE, all sectors
reference
Sector 01
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
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 2023Solvency, return and age of the figures
Solvency
32.8%
Return on assets
-2.7%
Age of the figures
32 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline13-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 31-01-2025, 184 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
184 d late
2022
135 d late
2021
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€61k
EBIT margin
-4.2%
Net result
€-2k▼ 153%
2022 · €-936
2021: €29k
2022: €-936
2021 → 2023
Working capital
€11k▲ 339%
2022 · €2k
2021: €12k
2022: €2k
2021 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202120222023Trend
Turnover€61k
Equity€32k-€31k▼ 2.9%€29k▼ 7.6%
Operating result€37k-€-793€-3k▼ 218%
Net result€29k-€-936€-2k▼ 153%
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 €3k in 2023 against €793 in 2022; the loss grows and 2023 is the lowest year so far.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €87k
Fixed assets
€18k▼ 37.3%
Current assets
€69k▲ 159%
Equity and liabilities €87k
Equity
€29k▼ 7.6%
Debt
€59k▲ 141%
The debt ratio rises from 44.0% to 67.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€610▼
2022 · €838
Cash flow
€769▲
2022 · €695
Solvency
32.8%▼
2022 · 56.0%
Current ratio
1.18▲
2022 · 1.10
Quick ratio
1.18▲
2022 · 1.10
Debt / equity
2.05▲
2022 · 0.78
ROE
-8.3%▼
2022 · -3.0%
ROA
-2.7%▼
2022 · -1.7%
Interest coverage
1.89▼
2022 · 3.23
Debt
€59k▲
2022 · €24k
Debt ≤ 1 year
€59k▲
2022 · €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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€55k€87k▲
Fixed assets21/28€29k€18k▼
Tangible fixed assets22/27€28k€18k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€1k€490▼
Other tangible fixed assets26€22k€15k▼
Financial fixed assets28€250€250=
Current assets29/58€27k€69k▲
Amounts receivable within one year40/41€27k€20k▼
Trade receivables40€23k€18k▼
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€57€50k▲
Equity and liabilities
Total equity and liabilities10/49€55k€87k▲
Equity10/15€31k€29k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€28k€26k▼
Amounts payable17/49€24k€59k▲
Amounts payable within one year42/48€24k€59k▲
Financial debts43€85€2k▲
Credit institutions430/8€85€2k▲
Trade debts44€17k€46k▲
Suppliers440/4€17k€46k▲
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€0€1k▲
Income statement
Code20222023
Turnover70-€61k
Goods, raw materials, services and sundry goods60/61-€105k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€0€2k▲
Gross operating margin9900€838€2k▲
Operating profit (loss)9901€-793€-3k▼
Financial income75/76B€117€482▲
Recurring financial income75€117€482▲
Financial charges65/66B€260€322▲
Recurring financial charges65€260€322▲
Profit (loss) for the period before taxes9903€-936€-2k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-936€-2k▼
Profit (loss) for the period to be appropriated9905€-936€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€26k▼
Profit (loss) brought forward from the previous period14P€29k€28k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 184 days late
2023
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series.
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 135 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
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, Dilbeek · 1 establishment unit since 2020
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-Annastraat 21701 DilbeekGround area
1,400 m²
Building footprint
220 m²
Volume, LiDAR
1,188 m³
2 parcels, Flanders, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BUMO
since 20202.308.116.582
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64033B0025/00L000 | Wallonia | 1,124 m² | 1 · 132 m² | 7.9 m · 2 fl. |
| 23037B0300/00H000 | Flanders | 275 m² | 1 · 89 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
VZB Equestrian
BE 0776.501.331
Leuven · Eq €29k
RS EQUESTRIAN & SERVICES BV
BE 0767.558.624
Deinze · Eq €29k
Dolin Nuyts Dressage
BE 0789.520.810
Brecht · Eq €28k
XIPHIAS
BE 0890.616.584
Lokeren · Eq €29k
DEKSTATION HOLSTENHOEVE
BE 0872.761.755
Geel · Eq €29k
Of 1,946 companies in sector 01430 we hold annual accounts for 739. 480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2020
Fiscal year end31-12
Activities, NACEBEL
01430Raising of horses and other equines
85510Sports and recreation education
93127Equestrian clubs
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.