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ELBUMO

Active
Private limited companyfounded 198739 yrs activeRozenlaan 1, 2970 Schilde, BelgiumKBO/BCE: BE 0431.231.316
Summary

ELBUMO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of €370,102. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 8593 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
ELBUMOActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
General electrical installation work
NACE 43211NACE 45310
#6 company by total assets in Schilde, Construction sector1 site
Size
€4.9mtotal assets 2025
Staff
2.9 FTE
Equity
€1.3m
Profit
€370,102
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
3
Accounts 28 d early2 of 5 deeds read
Why 94- Sector Specialised construction activities (NACE 43)+ Size: 2.9 FTE, total assets €4.9m+ Figures for FY 2025 (filed 03-07-2026)+ Founded in 1987Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 53% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 51+7
equity 26.2% of total assets
Liquidity 58+5
short-term debt 13.9% · cash 8.0%
Profitability 78+20
return on assets 7.5%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 20 months 03-2025: 0.4% 04-2025: 0.4%▲ +9.0% vs 03-2025 05-2025: 0.5%▲ +3.4% vs 04-2025 06-2025: 0.5%▲ +7.3% vs 05-2025 07-2025: 0.6%▲ +19.5% vs 06-2025 08-2025: 1.0%▲ +64.4% vs 07-2025highest value 09-2025: 0.3%▼ -63.7% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%▲ +0.3% vs 02-2026 04-2026: 0.4%▲ +9.5% vs 03-2026 05-2026: 0.4%▲ +1.6% vs 04-2026 06-2026: 0.4%▲ +16.0% vs 05-2026 07-2026: 0.5%▲ +9.4% vs 06-2026 08-2026: 0.1%▼ -87.8% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Size: 2.9 FTE, total assets €4.9m lowers the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Figures for FY 2025 (filed 03-07-2026) lowers the probability
  • Founded in 1987 lowers the probability for this profile
Credit up to €120,000 at 30 days acceptable
Liquidity ample (current ratio 2.98 against 4.17 in 2024; short-term debt: 13.9% and cash: 8% of total assets), but 73.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 27%, liquidity 55%, profitability 56%, growth against the median 75%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: 2.9 FTE, total assets €4.9m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Figures for FY 2025 (filed 03-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1987
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
22 d late
2023
30 d late
2022
26 d early
2021
23 d early
2020
24 d late
2019
42 d early
← 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 6 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 8 July (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. RestructuringPermanent representative: BULINCKX Daniel ·…
  3. RestructuringMerger · Incorporation · Director…

Key points

  • Positive: Result rose in 2025from €132,266 to €370,102 ▲ 180% View
  • Positive: Among the best 6% on net resultsector median €27,675 · 8,587 companies €370,102 View
  • Positive: 8 profitable years in a rowprofit 2025: €370,102 8 years View
  • Merger with IMMOPOULmerger on 11-06-2026 2026 View
  • Heads a groupcompanies controlled 4 View
  • A director leftlatest change 06-05-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2025
Total assets
€4.9m
Profit
€370,102
Solvency
26.2%
Total assets▼ 4.0%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 03-07-2026Annual accounts filed
  2. 11-06-2026Restructuring
  3. 01-04-2026Restructuring
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General electrical installation workNACE 43211
Founded
21-05-1987
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
4
Annual meeting
First Thursday of June
Purpose
Isolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen; Installatie…
Go to Articles of association

Go further with this company

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