BuMS Consulting
ActiveBuMS Consulting has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354k and a net result of €11k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-26
Solvency89▼-1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.63 in 2024), and 33.5% 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 · 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 →
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 · 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
66.5%
Return on assets
2.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
27 d early
2023
58 d early
2022
67 d early
2021
85 d early
2020
68 d early
2018
19 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€354k▲ 3.0%
2024 · €344k
2018: €179k
2020: €270k
2021: €288k
2022: €314k
2023: €316k
2024: €344k
2018 → 2025
Total assets
€532k▼ 6.7%
2024 · €571k
2018: €559k
2020: €588k
2021: €596k
2022: €583k
2023: €603k
2024: €571k
2018 → 2025
Net result
€11k▼ 61.6%
2024 · €29k
2018: €73k
2020: €87k
2021: €19k
2022: €21k
2023: €23k
2024: €29k
2018 → 2025
Working capital
€52k▼ 13.8%
2024 · €60k
2018: €51k
2020: €79k
2021: €108k
2022: €101k
2023: €55k
2024: €60k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€288k-€314k▲ 9.2%€316k▲ 0.6%€344k▲ 8.8%€354k▲ 3.0%
Operating result€41k-€40k▼ 2.7%€46k▲ 15.3%€52k▲ 14.1%€19k▼ 63.9%
Net result€19k-€21k▲ 14.8%€23k▲ 8.1%€29k▲ 25.7%€11k▼ 61.6%
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 2025; 2025 is 64% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €532k
Fixed assets
€381k▼ 8.3%
Current assets
€151k▼ 2.6%
Equity and liabilities €532k
Equity
€354k▲ 3.0%
Provisions
€5k▼ 4.2%
Debt
€174k▼ 21.8%
The debt ratio falls from 38.9% to 32.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€54k▼
2024 · €88k
Cash flow
€46k▼
2024 · €65k
Solvency
66.5%▲
2024 · 60.2%
Current ratio
1.52▼
2024 · 1.63
Quick ratio
1.52▼
2024 · 1.63
Debt / equity
0.49▼
2024 · 0.65
ROE
3.2%▼
2024 · 8.5%
ROA
2.1%▼
2024 · 5.1%
Interest coverage
4.83▼
2024 · 6.06
Debt
€174k▼
2024 · €222k
Debt ≤ 1 year
€99k▲
2024 · €95k
Debt > 1 year
€74k▼
2024 · €127k
Income taxes
€5k▼
2024 · €13k
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€571k€532k▼
Fixed assets21/28€416k€381k▼
Tangible fixed assets22/27€416k€381k▼
Land and buildings22€356k€342k▼
Plant, machinery and equipment23€8k€8k▲
Furniture and vehicles24€7k€5k▼
Leasing and similar rights25€45k€26k▼
Current assets29/58€155k€151k▼
Amounts receivable within one year40/41€66k€69k▲
Trade receivables40€23k€21k▼
Other amounts receivable41€43k€48k▲
Current investments50/53€59k€72k▲
Cash at bank and in hand54/58€25k€8k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€571k€532k▼
Equity10/15€344k€354k▲
Contributions10/11€19k€19k=
Reserves13€119k€129k▲
Tax-exempt reserves132€25k€24k▼
Distributable reserves133€94k€105k▲
Profit (loss) carried forward14€206k€206k=
Provisions and deferred taxes16€5k€5k▼
Deferred taxes168€5k€5k▼
Amounts payable17/49€222k€174k▼
Amounts payable after more than one year17€127k€74k▼
Financial debts170/4€127k€74k▼
Amounts payable within one year42/48€95k€99k▲
Current portion of amounts payable after more than one year42€51k€53k▲
Financial debts43€37k€31k▼
Credit institutions430/8€37k€31k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€560€583▲
Accrued charges and deferred income492/3-€434
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€35k▼
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A-€113
Gross operating margin9900€93k€59k▼
Operating profit (loss)9901€52k€19k▼
Financial income75/76B€4k€8k▲
Recurring financial income75€4k€8k▲
Financial charges65/66B€15k€11k▼
Recurring financial charges65€15k€11k▼
Profit (loss) for the period before taxes9903€41k€16k▼
Transfer from deferred taxes780€840€210▼
Income taxes67/77€13k€5k▼
Profit (loss) for the period9904€29k€11k▼
Transfer from tax-exempt reserves789€210€840▲
Profit (loss) for the period to be appropriated9905€29k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€236k€218k▼
Profit (loss) brought forward from the previous period14P€206k€206k=
Transfer from equity791/2€0-
Transfer to equity691/2€29k€11k▼
To other reserves6921€29k€11k▼
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
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
17-07
State Gazette act
Capital & shares · Resignations & appointments · RestructuringGeneral meeting · Merger · Accounting effect7 facts ▸
State Gazette act
Capital & shares · Resignations & appointments · Restructuring
General meeting · Merger · Accounting effect7 facts ▸
- General meeting, 2026-06-18
- General meeting, 2026-06-18
- Merger, 2026-06-18
- Accounting effect, 2026-03-01
- Dissolution, 2026-06-18
- Power of attorney, by Watson
- Fusion proposal, 2026-03-23, 2026-03-13
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
State Gazette act
RestructuringMerger · Accounting effect · Corporate purpose4 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Corporate purpose4 facts ▸
- Merger, geruisloze zusterfusie
- Accounting effect, 1 maart 2026
- Corporate purpose, De vennootschap heeft tot voorwerp zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, al…
- Corporate purpose, De vennootschap heeft als voorwerp: •Het begeleiden van firma's tot het behalen van certificaten -Opleidingen aan firma's van allerlei aard •Overige dienstverle…
31-03
State Gazette act
RestructuringMerger · Accounting effect · Corporate purpose4 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Corporate purpose4 facts ▸
- Merger, geruisloze zusterfusie
- Accounting effect, 1 maart 2026
- Corporate purpose, De vennootschap heeft tot voorwerp zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, al…
- Corporate purpose, De vennootschap heeft als voorwerp: •Het begeleiden van firma's tot het behalen van certificaten •Opleidingen aan firma's van allerlei aard •Overige dienstverle…
2025
30-09
Financial
Weakest financial yearnet €11k ▼61.6%
Net result drops to €11k, the lowest in the series.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €87k ▲19.4%
Operating result €147k, net result €87k, both a record.
30-09
Financial
Equity above €200kEq €270k ▲50.9%
2 profitable years in a row build equity to €270k.
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 13 days late
2016
13-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 13 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 3. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zottegem · 1 establishment unit since 2004
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.
Spelaanstraat 399620 ZottegemGround area
281 m²
Building footprint
114 m²
Volume, LiDAR
623 m³
Parcel 41035A0320/00Y002, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BuMS CONSULTING
since 20042.136.550.407
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41035A0320/00Y002 | Flanders | 281 m² | 1 · 114 m² | 10.1 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:BuMS Services
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 37,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2004
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82300Organisation of conventions and trade shows
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.
Contact details
3 entriesE-mail:heidi.vdh@skynet.be
Phone:09/326 07 07
Fax:09/326 07 07