CUMPS
ActiveCUMPS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €26k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 6963 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▼-7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 3.05 in 2024), and 45.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
23 d early
2023
27 d early
2022
2 d late
2021
31 d early
2020
2 d late
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 40.8%
2024 · €40k
2019: €19k
2020: €24k
2021: €13k
2022: €27k
2023: €30k
2024: €40k
2019 → 2025
Total assets
€104k▲ 80.9%
2024 · €57k
2019: €42k
2020: €43k
2021: €34k
2022: €45k
2023: €68k
2024: €57k
2019 → 2025
Net result
€26k▲ 168%
2024 · €10k
2019: €-5k
2020: €5k
2021: €-11k
2022: €14k
2023: €3k
2024: €10k
2019 → 2025
Working capital
€26k▲ 2.1%
2024 · €25k
2019: €21k
2020: €29k
2021: €17k
2022: €27k
2023: €28k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€27k▲ 109%€30k▲ 12.7%€40k▲ 32.6%€56k▲ 40.8%
Operating result€-11k-€14k€4k▼ 74.6%€11k▲ 197%€32k▲ 200%
Net result€-11k-€14k€3k▼ 75.7%€10k▲ 190%€26k▲ 168%
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 200% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€46k▲ 136%
Current assets
€58k▲ 52.8%
Equity and liabilities €104k
Equity
€56k▲ 40.8%
Debt
€48k▲ 173%
The debt ratio rises from 30.4% to 45.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€41k▲
2024 · €13k
Cash flow
€35k▲
2024 · €12k
Solvency
54.2%▼
2024 · 69.6%
Current ratio
1.81▼
2024 · 3.05
Quick ratio
1.81▼
2024 · 3.05
Debt / equity
0.85▲
2024 · 0.44
ROE
46.8%▲
2024 · 24.6%
ROA
25.3%▲
2024 · 17.1%
Interest coverage
132.50▼
2024 · 273.85
Debt
€48k▲
2024 · €17k
Debt ≤ 1 year
€32k▲
2024 · €12k
Debt > 1 year
€16k▲
2024 · €5k
Income taxes
€6k▲
2024 · €853
Staff costs
€7k
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€57k€104k▲
Fixed assets21/28€19k€46k▲
Tangible fixed assets22/27€19k€46k▲
Furniture and vehicles24-€29k
Other tangible fixed assets26€19k€17k▼
Financial fixed assets28€50€50=
Current assets29/58€38k€58k▲
Amounts receivable within one year40/41€11k€26k▲
Trade receivables40€9k€7k▼
Other amounts receivable41€2k€19k▲
Cash at bank and in hand54/58€26k€29k▲
Deferred charges and accrued income490/1€949€3k▲
Equity and liabilities
Total equity and liabilities10/49€57k€104k▲
Equity10/15€40k€56k▲
Contributions10/11€6k€6k=
Reserves13€34k€50k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€24k€40k▲
Amounts payable17/49€17k€48k▲
Amounts payable after more than one year17€5k€16k▲
Financial debts170/4-€16k
Other amounts payable178/9€5k-
Amounts payable within one year42/48€12k€32k▲
Current portion of amounts payable after more than one year42-€4k
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Advances received on contracts in progress46€6k€6k=
Taxes, remuneration and social security45€969€6k▲
Taxes450/3€969€6k▲
Remuneration and social security454/9-€652
Other amounts payable47/48€4k€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€260▼
Other operating charges640/8€854€870▲
Non-recurring operating charges66A€62-
Gross operating margin9900€16k€49k▲
Operating profit (loss)9901€11k€32k▲
Financial income75/76B€1€21▲
Recurring financial income75€1€21▲
Financial charges65/66B€48€312▲
Recurring financial charges65€48€312▲
Profit (loss) for the period before taxes9903€11k€32k▲
Income taxes67/77€853€6k▲
Profit (loss) for the period9904€10k€26k▲
Profit (loss) for the period to be appropriated9905€10k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€26k▲
Transfer to equity691/2€10k€16k▲
To other reserves6921€10k€16k▲
Profit to be distributed694/7-€10k
Directors or managers695-€10k
The notes to these accounts (10 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €26k ▲168%
Operating result €32k, net result €26k, both a record.
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
31-03
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-11k ▼330%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
31-03
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
18-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 1987
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.
Rue A. de Thomaz de Bossière 101340 Ottignies-Louvain-la-Neuve1 establishment unit
Rue A. de Thomaz de Bossière 10, 1340 Ottignies-Louvain-la-Neuve
since 19872.029.758.355
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Of 22,728 companies in sector 43211 we hold annual accounts for 10,270. 8,602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-06-1987
Fiscal year end31-03
Activities, NACEBEL
43211General electrical installation work
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.