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ELUMA

Active
Private limited companyfounded 20251 yr activeCour des Salésiens 11, 4470 Saint-Georges-sur-Meuse, BelgiumKBO/BCE: BE 1021.707.037
Summary

ELUMA has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,831 and a net result of €43,831. Its solvency ranks better than 80% of 7833 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 5.39; short-term debt: 18.6% and cash: 0% of total assets), and 18.6% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · 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
81.4%
Return on assets
73.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 30-07-2026, 1 day ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
1 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

On 31 March 2025, ELUMA was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€48,831
Total assets
€59,993
Net result
€43,831
Working capital
€48,863

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

Balance-sheet composition
Equity and liabilities €59,993
Equity €48,831
Debt €11,162
Debt finances 18.6% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
5.39
Debt to equity
0.23
ROE
89.8%
ROA
73.1%
Debt ≤ 1 year
€11,130
Income taxes
€10,962

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 27 lines
Balance sheet Code2025
Assets
Total assets20/58€59,993
Current assets29/58€59,993
Amounts receivable within one year40/41€59,991
Trade receivables40€52,592
Other amounts receivable41€7,399
Cash at bank and in hand54/58€2
Equity and liabilities
Total equity and liabilities10/49€59,993
Equity10/15€48,831
Contributions10/11€5,000
Profit (loss) carried forward14€43,831
Amounts payable17/49€11,162
Amounts payable within one year42/48€11,130
Trade debts44€168
Suppliers440/4€168
Taxes, remuneration and social security45€10,962
Taxes450/3€10,962
Accrued charges and deferred income492/3€32
Income statement Code2025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5,000
Gross operating margin9900€59,825
Operating profit (loss)9901€54,825
Financial charges65/66B€32
Recurring financial charges65€32
Profit (loss) for the period before taxes9903€54,793
Income taxes67/77€10,962
Profit (loss) for the period9904€43,831
Profit (loss) for the period to be appropriated9905€43,831
Appropriation of the result
Profit (loss) to be appropriated9906€43,831

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5,000
Gross operating margin9900€59,825
Operating profit (loss)9901€54,825
Financial charges65/66B€32
Recurring financial charges65€32
Profit (loss) for the period before taxes9903€54,793
Income taxes67/77€10,962
Profit (loss) for the period9904€43,831
Profit (loss) for the period to be appropriated9905€43,831
Line2025
Assets
Total assets20/58€59,993
Current assets29/58€59,993
Amounts receivable within one year40/41€59,991
Trade receivables40€52,592
Other amounts receivable41€7,399
Cash at bank and in hand54/58€2
Equity and liabilities
Total equity and liabilities10/49€59,993
Equity10/15€48,831
Contributions10/11€5,000
Profit (loss) carried forward14€43,831
Amounts payable17/49€11,162
Amounts payable within one year42/48€11,130
Trade debts44€168
Suppliers440/4€168
Taxes, remuneration and social security45€10,962
Taxes450/3€10,962
Accrued charges and deferred income492/3€32
Line2025
Profit (loss) for the period9904€43,831
Operating cash flow (approximation)€43,831

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Saint-Georges-sur-Meuse · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
757 m²
Building footprint
99 m²
Volume, LiDAR
642 m³
Parcel 64065A1663/00D004, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELUMA
Cour des Salésiens 11, 4470 Saint-Georges-sur-MeuseOffice administrative and support services
since 20252.373.305.334
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
64065A1663/00D004 Wallonia 757 m² 1 · 99 m² 8.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

Of 11,218 companies in sector 82100 we hold annual accounts for 3,516. 2,541 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded31-03-2025
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1021707037
Also 9925:BE1021707037
Registered 17-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.