CORUMMO
ActiveSummary
CORUMMO has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,332 and a net result of €1,577. Equity has been growing by about 3.5% per year since 2022. Its solvency ranks better than 23% of 9,664 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 29-03-2022 Normal situation
- Activity
- Office administrative and support services NACE 82100and 1 other
- Establishment unit
- 2.329.598.718 3770 Riemst, since 29-03-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 02-02-2026
Board and ownership
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.5%
- Gross margin
- €13,360
- ▲ 4.9%
- Turnover
- ≈ €72,000
- estimated
- Profit
- €1,577
- ▼ 8.7%
- Equity
- €30,332
- ▲ 5.5%
- Total assets
- €204,860
- ▼ 2.6%
Score breakdownraises riskLiquidity: current ratio 0.09, cash €1,978Founded in 2022lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Size: total assets €204,860Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 24% of them on solvency, 35% on liquidity, 23% on profitability and 50% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 104 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 17-02-2026 PDF all 4 filings
Every figure per financial year
The operating result for 2025 is 5% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Securities and guarantees
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Mortgages, amount registered | €25,000 | €25,000 | €25,000 | - |
| Mortgage mandates | - | €150,000 | €150,000 | - |
| Carrying value of the mortgaged assets | €145,923 | €213,133 | €207,620 | - |
Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €141,923 | €71,359 | - | - |
| Depreciation and write-downs of the year | - | €2,799 | €5,969 | €5,969 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2,799 | €5,969 | €5,969 | = |
| Other operating charges640/8 | €347 | €522 | €78 | €1,018 | ▲ 13× |
| Gross operating margin9900 | -€7,656 | €6,470 | €12,733 | €13,360 | ▲ 4.9% |
| Operating profit (loss)9901 | -€8,003 | €3,149 | €6,686 | €6,373 | ▼ 4.7% |
| Financial charges65/66B | €1,963 | €5,154 | €4,959 | €4,796 | ▼ 3.3% |
| Recurring financial charges65 | €1,963 | €5,154 | €4,959 | €4,796 | ▼ 3.3% |
| Profit (loss) for the period before taxes9903 | -€9,966 | -€2,005 | €1,727 | €1,577 | ▼ 8.7% |
| Profit (loss) for the period9904 | -€9,966 | -€2,005 | €1,727 | €1,577 | ▼ 8.7% |
| Profit (loss) for the period to be appropriated9905 | -€9,966 | -€2,005 | €1,727 | €1,577 | ▼ 8.7% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €152,074 | €216,022 | €210,360 | €204,860 | ▼ 2.6% |
| Fixed assets21/28 | €145,923 | €214,483 | €208,514 | €202,545 | ▼ 2.9% |
| Tangible fixed assets22/27 | €145,923 | €214,483 | €208,514 | €202,545 | ▼ 2.9% |
| Land and buildings22 | €34,000 | €213,133 | €207,620 | €202,108 | ▼ 2.7% |
| Furniture and vehicles24 | - | €1,350 | €893 | €437 | ▼ 51.1% |
| Assets under construction and advance payments27 | €111,923 | - | - | - | - |
| Current assets29/58 | €6,151 | €1,539 | €1,846 | €2,315 | ▲ 25.4% |
| Cash at bank and in hand54/58 | €6,151 | €1,042 | €1,350 | €1,978 | ▲ 46.5% |
| Deferred charges and accrued income490/1 | - | €497 | €496 | €337 | ▼ 32.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €152,074 | €216,022 | €210,360 | €204,860 | ▼ 2.6% |
| Equity10/15 | €29,034 | €27,029 | €28,755 | €30,332 | ▲ 5.5% |
| Contributions10/11 | €35,000 | €35,000 | €35,000 | €35,000 | = |
| Revaluation surpluses12 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Profit (loss) carried forward14 | -€9,966 | -€11,971 | -€10,245 | -€8,668 | ▲ 15.4% |
| Amounts payable17/49 | €123,040 | €188,993 | €181,605 | €174,528 | ▼ 3.9% |
| Amounts payable after more than one year17 | €75,484 | €163,721 | €156,335 | €148,737 | ▼ 4.9% |
| Financial debts170/4 | €75,484 | €163,721 | €156,335 | €148,737 | ▼ 4.9% |
| Amounts payable within one year42/48 | €47,556 | €25,272 | €25,270 | €25,791 | ▲ 2.1% |
| Current portion of amounts payable after more than one year42 | - | €7,182 | €7,387 | €7,598 | ▲ 2.9% |
| Trade debts44 | €13,811 | €653 | €437 | - | - |
| Suppliers440/4 | €13,811 | €653 | €437 | - | - |
| Taxes, remuneration and social security45 | €7,870 | €369 | €109 | €856 | ▲ 683% |
| Taxes450/3 | €7,870 | €369 | €109 | €856 | ▲ 683% |
| Other amounts payable47/48 | €25,875 | €17,068 | €17,337 | €17,337 | = |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,966 | -€2,005 | €1,727 | €1,577 | ▼ 8.7% |
| + Depreciation and write-downs630 | - | €2,799 | €5,969 | €5,969 | = |
| Operating cash flow (approximation) | -€9,966 | €794 | €7,696 | €7,546 | ▼ 1.9% |
| Investment in fixed assets (approximation) | - | -€71,359 | €0 | -€0 | - |
| Change in cash | - | -€5,109 | €308 | €628 | ▲ 104% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,542 companies had the same profile as CORUMMO has now. Two years later, 94.9% were still going and 3.5% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CORUMMO itself is lower: 0.5% within 12 months. It rests on far more data about CORUMMO than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,542 companies, not a prediction for CORUMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- RUYTERS Bart, Jean, Albert founder
- COENEGRACHTS Lieve, Marie-Thérèse, Josée founder
Capital transactions
- 31-03-2022 Incorporation · €35,000 · 350 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| COENEGRACHTS Lieve, Marie-Thérèse, Josée |
|
| RUYTERS Bart, Jean, Albert |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, aantal,duur opdracht en bij meerdere bestuurders bevoegdheid”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 31-03-2022 (in Dutch)
Network & group
CORUMMO shares no director with another company.
Companies at the same address
2 other companiesConnections & network
2 current directorsThe network starts from the directors of CORUMMO. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
31-03
Gazette deed
IncorporationStarting capital €35,000 · Appointments: RUYTERS Bart, Jean, Albert (director) and COENEGRACHTS Lieve, Marie-Thérèse, Josée (director) · Founder12 points ▸
- Incorporation, 28-03-2022
- Founder, RUYTERS Bart, Jean, Albert
- Founder, COENEGRACHTS Lieve, Marie-Thérèse, Josée
- Founding capital, €35,000
- Auditor report, 28-03-2022
- Capital contribution, €30,000
- Capital contribution, €5,000
- Share issue, 350, “inbrengen” (deed in Dutch)
- Registered office clause, “3770 Riemst, Stopstraat 2” (deed in Dutch)
- Director appointment, RUYTERS Bart, Jean, Albert (director (not named in the articles))
- Director appointment, COENEGRACHTS Lieve, Marie-Thérèse, Josée (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 73027A1063/00A002 | Flanders | 647 m² | 1 · 148 m² | 7.5 m · 2 |