FUMEX
ActiveFUMEX has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €22k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 73% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▼-4
Growth78=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 5.15 in 2024; short-term debt: 29.3% and cash: 45.1% of total assets), and 29.3% 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.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.7%
Return on assets
25.7%
Age of the figures
9 mo
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 27-04-2026, 95 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
95 d early
2024
16 d early
2023
33 d early
2022
8 d late
2021
12 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 20.5%
2024 · €51k
2021: €6k
2022: €18k
2023: €34k
2024: €51k
2021 → 2025
Total assets
€86k▲ 36.2%
2024 · €63k
2021: €7k
2022: €32k
2023: €52k
2024: €63k
2021 → 2025
Net result
€22k▲ 33.1%
2024 · €17k
2021: €-2k
2022: €12k
2023: €16k
2024: €17k
2021 → 2025
Working capital
€58k▲ 24.8%
2024 · €47k
2021: €5k
2022: €22k
2023: €31k
2024: €47k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€18k▲ 203%€34k▲ 92.6%€51k▲ 49.0%€61k▲ 20.5%
Operating result€-2k-€16k€23k▲ 42.8%€24k▲ 2.8%€30k▲ 27.5%
Net result€-2k-€12k€16k▲ 38.2%€17k▲ 1.9%€22k▲ 33.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€3k▼ 49.1%
Current assets
€84k▲ 44.3%
Equity and liabilities €86k
Equity
€61k▲ 20.5%
Debt
€25k▲ 98.0%
The debt ratio rises from 20.2% to 29.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €26k
Cash flow
€25k▲
2024 · €19k
Solvency
70.7%▼
2024 · 79.8%
Current ratio
3.30▼
2024 · 5.15
Quick ratio
2.11▼
2024 · 3.61
Debt / equity
0.41▲
2024 · 0.25
ROE
36.3%▲
2024 · 32.9%
ROA
25.7%▼
2024 · 26.3%
Interest coverage
62.88▲
2024 · 52.02
Debt
€25k▲
2024 · €13k
Debt ≤ 1 year
€25k▲
2024 · €11k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€8k▲
2024 · €6k
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€63k€86k▲
Fixed assets21/28€6k€3k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€858▼
Current assets29/58€58k€84k▲
Stocks and contracts in progress3€17k€30k▲
Stocks30/36€17k€30k▲
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€7k€8k▲
Other amounts receivable41€454€112▼
Cash at bank and in hand54/58€26k€39k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€63k€86k▲
Equity10/15€51k€61k▲
Contributions10/11€8k€8k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14-€10k
Amounts payable17/49€13k€25k▲
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€11k€25k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€4k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€699€630▼
Gross operating margin9900€27k€33k▲
Operating profit (loss)9901€24k€30k▲
Financial income75/76B€7€319▲
Recurring financial income75€7€319▲
Financial charges65/66B€500€522▲
Recurring financial charges65€500€522▲
Profit (loss) for the period before taxes9903€23k€30k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€17k€22k▲
Profit (loss) for the period to be appropriated9905€17k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€22k▲
Transfer to equity691/2€17k€0▼
To other reserves6921€17k€0▼
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (11 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €22k ▲33.1%
Operating result €30k, net result €22k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
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, Schelle · 1 establishment unit since 2021
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.
Kerkhofstraat 612627 SchelleGround area
183 m²
Building footprint
72 m²
Volume, LiDAR
556 m³
Parcel 11038A0252/00Z000, Flanders · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fumex
since 20212.318.841.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0252/00Z000 | Flanders | 183 m² | 1 · 72 m² | 8.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
WANKO
BE 0473.397.612
Turnhout · Eq €61k
Wolec
BE 0400.666.220
Zaventem · Eq €61k
AXYO
BE 0777.625.343
Nivelles · Eq €61k
Talkpool
BE 0884.160.146
Mechelen · Eq €61k
OXONOMIA
BE 0884.456.589
Sint-Jans-Molenbeek · Eq €62k
Of 977 companies in sector 46431 we hold annual accounts for 705. 428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2021
Fiscal year end31-12
Activities, NACEBEL
46431Wholesale of electrical household appliances and audio-video equipment
27900Manufacture of electrical equipment
33110Repair and maintenance of fabricated metal products
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.