CUMI BUILDING

Active

Private limited companyfounded 20224 yrs activeBeemdstraat 27, 1601 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0784.387.728

The computed 12-month bankruptcy probability of CUMI BUILDING is 2.0% (moderate). The 2025 annual accounts show equity of €38k and a net result of €7k. Equity is growing by ~37.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 7431 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

57 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability57▼-27

Solvency76▲+7

Growth68=

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity tight (current ratio 1.38 against 0.92 in 2024; short-term debt: 49.3% and cash: 13.7% of total assets), and 49.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

50.7%

Return on assets

9.4%

Age of the figures

12 mo

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 28 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 · 3 filings

Deviation from the deadline

2025

28 d late

2024

on the day

2023

on the day

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€208k▲ 22.3%

2024 · €170k

2023: €81k 2024: €170k

2023 → 2025

EBIT margin

3.4%▼ 4.5pp

2024 · 7.9%

2023: 28.4% 2024: 7.9%

2023 → 2025

Net result

€7k▼ 35.7%

2024 · €11k

2023: €20k 2024: €11k

2023 → 2025

Working capital

€14k

2024 · €-3k

2023: €-29k 2024: €-3k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Turnover€81k-€170k▲ 109%€208k▲ 22.3%

Equity€15k-€31k▲ 107%€38k▲ 22.8%

Operating result€23k-€13k▼ 42.0%€7k▼ 47.2%

Net result€20k-€11k▼ 45.1%€7k▼ 35.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €75k

32.0%

68.0%

Fixed assets €24k▼ 29.5%

Current assets €51k▲ 37.7%

Equity and liabilities €75k

50.7%

49.3%

Equity €38k▲ 22.8%

Debt €37k▼ 7.8%

The debt ratio falls from 56.5% to 49.3%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€17k▼

2024 · €23k

Cash flow

€17k▼

2024 · €21k

Solvency

50.7%▲

2024 · 43.5%

Current ratio

1.38▲

2024 · 0.92

Quick ratio

1.38▲

2024 · 0.92

Debt / equity

0.97▼

2024 · 1.30

ROE

18.6%▼

2024 · 35.4%

ROA

9.4%▼

2024 · 15.4%

Debt

€37k▼

2024 · €40k

Debt ≤ 1 year

€37k▼

2024 · €40k

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€71k€75k▲

Fixed assets21/28€34k€24k▼

Tangible fixed assets22/27€34k€24k▼

Leasing and similar rights25€34k€24k▼

Current assets29/58€37k€51k▲

Amounts receivable within one year40/41€21k€41k▲

Trade receivables40€8k€29k▲

Other amounts receivable41€14k€12k▼

Cash at bank and in hand54/58€13k€10k▼

Deferred charges and accrued income490/1€2k-

Equity and liabilities

Total equity and liabilities10/49€71k€75k▲

Equity10/15€31k€38k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€26k€33k▲

Amounts payable17/49€40k€37k▼

Amounts payable within one year42/48€40k€37k▼

Current portion of amounts payable after more than one year42€30k€21k▼

Trade debts44€7k€14k▲

Suppliers440/4€5k€14k▲

Bills of exchange payable441€2k-

Taxes, remuneration and social security45€4k€2k▼

Taxes450/3€4k€2k▼

Income statement Code20242025

Turnover70€170k€208k▲

Goods, raw materials, services and sundry goods60/61€146k€189k▲

Remuneration, social security and pensions62€421-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=

Gross operating margin9900€24k€17k▼

Operating profit (loss)9901€13k€7k▼

Financial income75/76B€1k-

Recurring financial income75€1k-

Financial charges65/66B€94-

Recurring financial charges65€94-

Profit (loss) for the period before taxes9903€15k€7k▼

Income taxes67/77€4k-

Profit (loss) for the period9904€11k€7k▼

Profit (loss) for the period to be appropriated9905€11k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€26k€33k▲

Profit (loss) brought forward from the previous period14P€15k€26k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

28-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

2025

30-09

Financial Weakest financial yearnet €7k ▼35.7%

Net result drops to €7k, the lowest in the series.

30-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-04

NBB filing Annual accounts filed

fiscal year 2023 · 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, Sint-Pieters-Leeuw · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Beemdstraat 271601 Sint-Pieters-Leeuw

Ground area

1.3 ha

Building footprint

7,067 m²

Volume, LiDAR

66,268 m³

2 parcels, Brussels, Flanders · tallest building 48.3 m, ±14 floors. Linked by address, not a title deed.

1 establishment unit

CUMI BUILDING

Haagbeukenlaan 12, 1200 Sint-Lambrechts-WoluweManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20222.331.118.846

2 parcels

Flanders 1 (50%) Brussels 1 (50%)