DE TUMKENS
ActiveThe computed 12-month bankruptcy probability of DE TUMKENS is 4.5% (elevated). The 2025 annual accounts show equity of €47k and a net result of €-6k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 13204 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-83
Solvency93▼-2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 5.05 against 5.36 in 2024; short-term debt: 19.8% and cash: 1% of total assets), and 32.3% 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.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.7%
Return on assets
-8.2%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-05-2026, 18 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 filingsDeviation from the deadline
2025
18 d late
2024
376 d late
2023
174 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 10.8%
2024 · €53k
2023: €18k
2024: €53k
2023 → 2025
Total assets
€69k▼ 8.0%
2024 · €75k
2023: €103k
2024: €75k
2023 → 2025
Net result
€-6k
2024 · €34k
2023: €16k
2024: €34k
2023 → 2025
Working capital
€55k▼ 9.3%
2024 · €61k
2023: €11k
2024: €61k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€18k-€53k▲ 185%€47k▼ 10.8%
Operating result€24k-€49k▲ 107%€-7k
Net result€16k-€34k▲ 114%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €49k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €69k
Equity
€47k▼ 10.8%
Debt
€22k▼ 1.4%
The debt ratio rises from 30.1% to 32.3%. Equity and debt are lower.
Key figures and ratios
Solvency
67.7%▼
2024 · 69.9%
Current ratio
5.05▼
2024 · 5.36
Quick ratio
5.05▼
2024 · 5.36
Debt / equity
0.48▲
2024 · 0.43
ROE
-12.2%▼
2024 · 64.9%
ROA
-8.2%▼
2024 · 45.4%
Debt
€22k▼
2024 · €23k
Debt ≤ 1 year
€14k▼
2024 · €14k
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€75k€69k▼
Current assets29/58€75k€69k▼
Amounts receivable within one year40/41€74k€68k▼
Trade receivables40€65k€10k▼
Other amounts receivable41€8k€58k▲
Cash at bank and in hand54/58€1k€714▼
Equity and liabilities
Total equity and liabilities10/49€75k€69k▼
Equity10/15€53k€47k▼
Contributions10/11€3k€3k=
Reserves13€50k€44k▼
Distributable reserves133€50k€44k▼
Amounts payable17/49€23k€22k▼
Amounts payable within one year42/48€14k€14k▼
Taxes, remuneration and social security45€14k€14k▼
Taxes450/3€14k€14k▼
Accrued charges and deferred income492/3€9k€9k=
Income statement
Code20242025
Non-recurring operating income76A€53k-
Other operating charges640/8€2k€52▼
Gross operating margin9900€51k€-6k▼
Operating profit (loss)9901€49k€-7k▼
Financial income75/76B€68€1k▲
Recurring financial income75€68€1k▲
Financial charges65/66B€1k€291▼
Recurring financial charges65€1k€291▼
Profit (loss) for the period before taxes9903€48k€-6k▼
Income taxes67/77€14k-
Profit (loss) for the period9904€34k€-6k▼
Profit (loss) for the period to be appropriated9905€34k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€-6k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€34k-
To other reserves6921€34k-
The notes to these accounts (1 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
11-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 376 days late
2025
30-09
Financial
Weakest financial yearnet €-6k ▼117%
Net result drops to €-6k, the lowest in the series.
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 174 days late
30-09
Financial
Highest result since 2023net €34k ▲114%
Operating result €49k, net result €34k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 5.36
Current ratio from 1.19 to 5.36; short-term debt falls from €55k to €14k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aarschot · 1 establishment unit since 2022
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.
Schaluin 793200 AarschotGround area
1.7 ha
Building footprint
3,372 m²
Volume, LiDAR
19,674 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DE TUMKENS
since 20222.336.564.407
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010B0211/00K000 | Flanders | 1.7 ha | 1 · 3,288 m² | 11.2 m · 1 fl. |
| 24001B0161/00S002 | Flanders | 737 m² | 1 · 84 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Sluter
BE 1020.939.747
Brecht · Eq €47k
WET.BE
BE 0627.848.435
Brussel · Eq €47k
Café Thalia
BE 1022.632.693
Kinrooi · Eq €47k
WYVI
BE 0426.302.033
Middelkerke · Eq €47k
RB & CO
BE 0897.574.256
Elsene · Eq €47k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2022
Fiscal year end30-09
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.