BUMU
ActiveBUMU has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €366k and a net result of €175k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 9.94 against 12.04 in 2024; short-term debt: 9.9% and cash: 5.4% of total assets), and 15.3% 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.
−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
84.7%
Return on assets
40.5%
Age of the figures
9 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 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
30 d early
2023
33 d early
2022
28 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€366k▼ 0.1%
2024 · €366k
2022: €108k
2023: €211k
2024: €366k
2022 → 2025
Total assets
€431k▲ 4.4%
2024 · €413k
2022: €159k
2023: €234k
2024: €413k
2022 → 2025
Net result
€175k▲ 12.8%
2024 · €155k
2022: €106k
2023: €102k
2024: €155k
2022 → 2025
Working capital
€380k▲ 3.1%
2024 · €368k
2022: €103k
2023: €196k
2024: €368k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€108k-€211k▲ 94.4%€366k▲ 73.5%€366k▼ 0.1%
Operating result€150k-€145k▼ 3.6%€223k▲ 54.0%€236k▲ 5.9%
Net result€106k-€102k▼ 3.4%€155k▲ 51.3%€175k▲ 12.8%
Turnover and EBIT margin not published: the micro 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 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €431k
Fixed assets
€9k▼ 21.1%
Current assets
€422k▲ 5.2%
Equity and liabilities €431k
Equity
€366k▼ 0.1%
Debt
€66k▲ 39.3%
The debt ratio rises from 11.4% to 15.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€240k▲
2024 · €227k
Cash flow
€179k▲
2024 · €159k
Solvency
84.7%▼
2024 · 88.6%
Current ratio
9.94▼
2024 · 12.04
Quick ratio
9.94▼
2024 · 12.04
Debt / equity
0.18▲
2024 · 0.13
ROE
47.8%▲
2024 · 42.4%
ROA
40.5%▲
2024 · 37.5%
Interest coverage
104.15▼
2024 · 116.03
Debt
€66k▲
2024 · €47k
Debt ≤ 1 year
€42k▲
2024 · €33k
Income taxes
€60k▼
2024 · €68k
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€413k€431k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€402k€422k▲
Amounts receivable within one year40/41€22k€26k▲
Trade receivables40€21k€26k▲
Other amounts receivable41€1k€524▼
Current investments50/53€263k€373k▲
Cash at bank and in hand54/58€116k€23k▼
Deferred charges and accrued income490/1€103-
Equity and liabilities
Total equity and liabilities10/49€413k€431k▲
Equity10/15€366k€366k▼
Contributions10/11€3k€3k=
Reserves13€363k€363k=
Distributable reserves133€363k€363k=
Profit (loss) carried forward14-€-205
Amounts payable17/49€47k€66k▲
Amounts payable within one year42/48€33k€42k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€32k€38k▲
Taxes450/3€32k€38k▲
Accrued charges and deferred income492/3€14k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8-€809
Operating charges capitalised as restructuring costs649€-160-
Gross operating margin9900€227k€241k▲
Operating profit (loss)9901€223k€236k▲
Financial income75/76B€2k€407▼
Recurring financial income75€2k€407▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€223k€234k▲
Income taxes67/77€68k€60k▼
Profit (loss) for the period9904€155k€175k▲
Profit (loss) for the period to be appropriated9905€155k€175k▲
Appropriation of the result
Profit (loss) to be appropriated9906€155k€175k▲
Transfer to equity691/2€155k-
To other reserves6921€155k-
Profit to be distributed694/7-€175k
Return on contributions (dividend)694-€175k
The notes to these accounts (5 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €175k ▲12.8%
Operating result €236k, net result €175k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €102k ▼3.4%
Net result drops to €102k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.62
Current ratio from 3.02 to 9.62; short-term debt falls from €51k to €23k.
31-12
Financial
Equity above €200kEq €211k ▲94.4%
2 profitable years in a row build equity to €211k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Mechelen · 1 establishment unit since 2021
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.
Warmoesstraat 182800 MechelenGround area
674 m²
Building footprint
146 m²
Volume, LiDAR
854 m³
Parcel 12402C0012/00D004, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BUMU
since 20212.325.971.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402C0012/00D004 | Flanders | 674 m² | 1 · 146 m² | 6.2 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.
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GR I&M
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VOLE
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NUMBER ONE
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,936 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.