CHUMMY
ActiveSummary
CHUMMY has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203,401 and a net result of €112,910. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 44% of 264 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability97▲+23
Solvency65▼-17
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 2.16 against 3.35 in 2024; short-term debt: 25.9% and cash: 1.6% of total assets), but 59.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Publishing activities (NACE 58)
about 30% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
40.3%
Return on assets
22.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 · 10 filingsDeviation from the deadline
2025
48 d late
2024
48 d early
2023
47 d early
2022
49 d late
2021
31 d late
2020
95 d late
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 33 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 37% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€203,401▼ 44.6%
2024 · €367,384
Total assets
€505,331▼ 21.8%
2024 · €646,569
Net result
€112,910▲ 324%
2024 · €26,613
Working capital
€152,110▼ 26.5%
2024 · €206,950
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€79,225▼ 20.0%€73,206▼ 7.6%€25,627▼ 65.0%€40,863▲ 59.4%€133,351▲ 226%
Net result€61,184within the sector's middle half▼ 24.7%€52,485within the sector's middle half▼ 14.2%€16,182within the sector's middle half▼ 69.2%€26,613within the sector's middle half▲ 64.5%€112,910above the sector's middle half▲ 324%
Equity€302,027within the sector's middle half▲ 15.3%€328,390within the sector's middle half▲ 8.7%€340,771within the sector's middle half▲ 3.8%€367,384above the sector's middle half▲ 7.8%€203,401within the sector's middle half▼ 44.6%
Total assets€747,071within the sector's middle half▼ 0.9%€795,663within the sector's middle half▲ 6.5%€751,073within the sector's middle half▼ 5.6%€646,569above the sector's middle half▼ 13.9%€505,331within the sector's middle half▼ 21.8%
Debt€417,535▼ 4.0%€443,766▲ 6.3%€388,297▼ 12.5%€258,681▼ 33.4%€282,928▲ 9.4%
Working capital€278,942within the sector's middle half▲ 41.7%€297,338within the sector's middle half▲ 6.6%€274,731within the sector's middle half▼ 7.6%€206,950above the sector's middle half▼ 24.7%€152,110within the sector's middle half▼ 26.5%
Solvency40.4%within the sector's middle half▲ 5.7pp41.3%within the sector's middle half▲ 0.8pp45.4%within the sector's middle half▲ 4.1pp56.8%within the sector's middle half▲ 11.4pp40.3%within the sector's middle half▼ 16.6pp
Current ratio3.78above the sector's middle half▲ 1.694.19above the sector's middle half▲ 0.414.08above the sector's middle half▼ 0.113.35within the sector's middle half▼ 0.732.16within the sector's middle half▼ 1.19
Return on assets (ROA)8.2%within the sector's middle half▼ 2.6pp6.6%within the sector's middle half▼ 1.6pp2.2%within the sector's middle half▼ 4.4pp4.1%within the sector's middle half▲ 2.0pp22.3%above the sector's middle half▲ 18.2pp
above
within
below
the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or 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 226% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €505,331
Fixed assets
€222,269 ▼ 36.8%
Current assets
€283,062 ▼ 4.1%
Equity and liabilities €505,331
Equity
€203,401 ▼ 44.6%
Provisions
€19,002 ▼ 7.3%
Debt
€282,928 ▲ 9.4%
Debt's share of the balance-sheet total rises from 40.0% to 56.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€161,722▲
2024 · €76,592
Cash flow
€141,281▲
2024 · €62,342
Debt to equity
1.39▲
2024 · 0.70
ROE
55.5%▲
2024 · 7.2%
Interest coverage
15.31▲
2024 · 6.50
Debt ≤ 1 year
€130,952▲
2024 · €88,191
Debt > 1 year
€151,976▼
2024 · €170,490
Income taxes
€17,089▲
2024 · €12,740
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,129 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,158 | €25,965 | €35,815 | €35,729 | €28,371 | ▼ 20.6% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€28,000 | -€2,500 | - | - | - | - |
| Other operating charges640/8 | €2,226 | €5,030 | €4,891 | €3,628 | €3,727 | ▲ 2.7% |
| Gross operating margin9900 | €75,609 | €101,700 | €66,333 | €80,220 | €165,449 | ▲ 106% |
| Operating profit (loss)9901 | €79,225 | €73,206 | €25,627 | €40,863 | €133,351 | ▲ 226% |
| Financial income75/76B | €11,145 | €11,127 | €11,108 | €8,775 | €5,713 | ▼ 34.9% |
| Recurring financial income75 | €11,145 | €11,127 | €11,108 | €8,775 | €5,713 | ▼ 34.9% |
| Financial charges65/66B | €15,049 | €14,405 | €13,763 | €11,786 | €10,567 | ▼ 10.3% |
| Recurring financial charges65 | €15,049 | €14,405 | €13,763 | €11,786 | €10,567 | ▼ 10.3% |
| Profit (loss) for the period before taxes9903 | €75,321 | €69,927 | €22,971 | €37,851 | €128,497 | ▲ 239% |
| Transfer from deferred taxes780 | €1,502 | €1,502 | €1,502 | €1,502 | €1,502 | = |
| Income taxes67/77 | €15,639 | €18,944 | €8,291 | €12,740 | €17,089 | ▲ 34.1% |
| Profit (loss) for the period9904 | €61,184 | €52,485 | €16,182 | €26,613 | €112,910 | ▲ 324% |
| Transfer from tax-exempt reserves789 | €4,510 | €4,510 | €4,510 | €4,510 | €4,510 | = |
| Profit (loss) for the period to be appropriated9905 | €65,694 | €56,995 | €20,692 | €31,123 | €117,420 | ▲ 277% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €747,071 | €795,663 | €751,073 | €646,569 | €505,331 | ▼ 21.8% |
| Fixed assets21/28 | €367,783 | €405,079 | €387,157 | €351,428 | €222,269 | ▼ 36.8% |
| Tangible fixed assets22/27 | €367,235 | €404,530 | €386,608 | €350,879 | €221,721 | ▼ 36.8% |
| Land and buildings22 | €349,808 | €335,749 | €321,691 | €307,632 | €192,319 | ▼ 37.5% |
| Plant, machinery and equipment23 | €17,427 | €66,580 | €63,681 | €42,975 | €29,402 | ▼ 31.6% |
| Furniture and vehicles24 | - | €2,200 | €1,236 | €272 | - | - |
| Financial fixed assets28 | €548 | €548 | €548 | €548 | €548 | = |
| Current assets29/58 | €379,288 | €390,585 | €363,916 | €295,141 | €283,062 | ▼ 4.1% |
| Amounts receivable after more than one year29 | €345,000 | €345,000 | €345,000 | €270,000 | €270,000 | = |
| Other amounts receivable291 | €345,000 | €345,000 | €345,000 | €270,000 | €270,000 | = |
| Amounts receivable within one year40/41 | €3,162 | €6,194 | €6,032 | €6,507 | €5,094 | ▼ 21.7% |
| Trade receivables40 | €1,023 | €742 | €863 | €2,631 | €1,484 | ▼ 43.6% |
| Other amounts receivable41 | €2,139 | €5,453 | €5,170 | €3,876 | €3,610 | ▼ 6.9% |
| Cash at bank and in hand54/58 | €31,126 | €39,390 | €7,643 | €9,230 | €7,968 | ▼ 13.7% |
| Deferred charges and accrued income490/1 | - | - | €5,241 | €9,404 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €747,071 | €795,663 | €751,073 | €646,569 | €505,331 | ▼ 21.8% |
| Equity10/15 | €302,027 | €328,390 | €340,771 | €367,384 | €203,401 | ▼ 44.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €283,427 | €309,790 | €322,171 | €348,784 | €184,801 | ▼ 47.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €132,192 | €127,682 | €123,172 | €118,662 | €114,152 | ▼ 3.8% |
| Distributable reserves133 | €149,375 | €180,248 | €197,139 | €228,262 | €68,789 | ▼ 69.9% |
| Provisions and deferred taxes16 | €27,509 | €23,507 | €22,006 | €20,504 | €19,002 | ▼ 7.3% |
| Provisions for liabilities and charges160/5 | €2,500 | - | - | - | - | - |
| Other liabilities and charges164/5 | €2,500 | - | - | - | - | - |
| Deferred taxes168 | €25,009 | €23,507 | €22,006 | €20,504 | €19,002 | ▼ 7.3% |
| Amounts payable17/49 | €417,535 | €443,766 | €388,297 | €258,681 | €282,928 | ▲ 9.4% |
| Amounts payable after more than one year17 | €317,190 | €350,520 | €299,112 | €170,490 | €151,976 | ▼ 10.9% |
| Financial debts170/4 | €267,190 | €275,520 | €224,112 | €170,490 | €151,976 | ▼ 10.9% |
| Other amounts payable178/9 | €50,000 | €75,000 | €75,000 | - | - | - |
| Amounts payable within one year42/48 | €100,345 | €93,246 | €89,185 | €88,191 | €130,952 | ▲ 48.5% |
| Current portion of amounts payable after more than one year42 | €35,615 | €49,294 | €51,408 | €53,621 | €65,419 | ▲ 22.0% |
| Trade debts44 | €2,870 | €4,892 | €4,610 | €9,382 | €5,287 | ▼ 43.6% |
| Suppliers440/4 | €2,870 | €4,892 | €4,610 | €9,382 | €5,287 | ▼ 43.6% |
| Taxes, remuneration and social security45 | €31,013 | €35,889 | €27,235 | €17,031 | €8,975 | ▼ 47.3% |
| Taxes450/3 | €31,013 | €35,889 | €27,235 | €17,031 | €8,975 | ▼ 47.3% |
| Other amounts payable47/48 | €30,846 | €3,172 | €5,932 | €8,157 | €51,270 | ▲ 529% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €61,184 | €52,485 | €16,182 | €26,613 | €112,910 | ▲ 324% |
| + Depreciation and write-downs630 | €22,158 | €25,965 | €35,815 | €35,729 | €28,371 | ▼ 20.6% |
| Operating cash flow (approximation) | €83,342 | €78,449 | €51,997 | €62,342 | €141,281 | ▲ 127% |
| Investment in fixed assets (approximation) | - | -€63,260 | -€17,893 | €0 | €100,787 | - |
| Change in cash | - | €8,264 | -€31,747 | €1,587 | -€1,262 | ▼ 180% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 48 days late
11-09
State Gazette act
Registered office clause · Duration
Pre-incorporation commitments · Founder
01-07
State Gazette act
Incorporation · Founder
Founding capital · First fiscal year
2025
31-12
Financial
Highest result since 2018net €112,910 ▲324%
Operating result €133,351, net result €112,910, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €16,182 ▼69.2%
Net result drops to €16,182, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 49 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 95 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 101 days late
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Show earlier events
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2013
15-02
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Schilde · 1 establishment unit since 2002
Ground area
1,144 m²
Building footprint
120 m²
Volume, LiDAR
410 m³
Parcel 11039D0371/00N002, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Prins Boudewijnlaan 41, 2970 Schilde
since 20022.082.305.334
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0371/00N002 | Flanders | 1,144 m² | 1 · 120 m² | 10.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
Owners and holdings
1 ownerChain of control
- MAES & PARTNERS
- CHUMMY
Highest known parent: MAES & PARTNERS. The sources do not say who stands above it.
Owners 1
- MAES & PARTNERSparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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UNIVERSAL MUSIC PUBLISHING
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Of 718 companies in sector 58190 we hold annual accounts for 214. 140 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-06-1997
Fiscal year end31-12
Activities, NACEBEL 2025
58190Other publishing activities, excluding software publishing
82100Office administrative and support services
46869Wholesale trade
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0460808792
Also
9925:BE0460808792
Registered
20-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.