GUMA
ActiveSummary
GUMA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €147k and a net result of €14k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability61▼-26
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
short-term debt: 0.9% and cash: 27.8% of total assets, and 0.9% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 →
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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
30 d late
2022
3 d early
2021
on the day
2020
17 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Financials · fiscal year 2024, micro schema
Equity
€147k▲ 10.3%
2023 · €133k
Total assets
€148k▲ 7.2%
2023 · €138k
Net result
€14k▼ 49.7%
2023 · €27k
Working capital
€147k▲ 10.3%
2023 · €133k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€-5k▼ 983%€-16k▼ 216%€6k€11k▲ 71.8%€-11
Net result€-1k€-5k▼ 299%€-11k▼ 111%€27k€14k▼ 49.7%
Equity€123k▼ 1.1%€118k▼ 4.4%€106k▼ 9.7%€133k▲ 25.7%€147k▲ 10.3%
Total assets€124k▼ 1.2%€119k▼ 3.8%€113k▼ 5.2%€138k▲ 22.4%€148k▲ 7.2%
Debt€1k▼ 11.0%€2k▲ 62.2%€7k▲ 303%€5k▼ 27.3%€1k▼ 73.7%
Working capital€123k▼ 0.7%€118k▼ 4.4%€106k▼ 9.7%€133k▲ 25.7%€147k▲ 10.3%
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 2024: a loss of €11 after €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €148k
Equity
€147k ▲ 10.3%
Debt
€1k ▼ 73.7%
Debt's share of the balance-sheet total falls from 3.6% to 0.9%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.01▼
2023 · 0.04
ROE
9.3%▼
2023 · 20.4%
ROA
9.2%▼
2023 · 19.7%
Debt ≤ 1 year
€1k▼
2023 · €5k
Income taxes
€409
A ratio outside any meaningful range has been withheld (balance sheet total €148k, equity €147k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €518 | - | - | - | - | - |
| Other operating charges640/8 | - | €449 | €450 | €493 | €505 | ▲ 2.4% |
| Gross operating margin9900 | €-4k | €-15k | €7k | €12k | €494 | ▼ 95.7% |
| Operating profit (loss)9901 | €-5k | €-16k | €6k | €11k | €-11 | ▼ 100% |
| Financial income75/76B | - | €11k | €534 | €17k | €15k | ▼ 12.3% |
| Recurring financial income75 | €4k | €11k | €534 | €17k | €15k | ▼ 12.3% |
| Financial charges65/66B | - | €409 | €19k | €519 | €524 | ▲ 0.9% |
| Recurring financial charges65 | €1k | €409 | €19k | €519 | €524 | ▲ 0.9% |
| Profit (loss) for the period before taxes9903 | €-2k | €-5k | €-12k | €27k | €14k | ▼ 48.2% |
| Income taxes67/77 | €-426 | €-90 | €-222 | - | €409 | - |
| Profit (loss) for the period9904 | €-1k | €-5k | €-11k | €27k | €14k | ▼ 49.7% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €-5k | €-11k | €27k | €14k | ▼ 49.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €124k | €119k | €113k | €138k | €148k | ▲ 7.2% |
| Current assets29/58 | €124k | €119k | €113k | €138k | €148k | ▲ 7.2% |
| Amounts receivable within one year40/41 | €97 | €1k | €2k | €40 | €40 | = |
| Trade receivables40 | - | €1k | €2k | €40 | €40 | = |
| Current investments50/53 | €85k | €95k | €77k | €94k | €106k | ▲ 13.3% |
| Cash at bank and in hand54/58 | €38k | €23k | €34k | €44k | €41k | ▼ 5.7% |
| Deferred charges and accrued income490/1 | - | - | - | €975 | €998 | ▲ 2.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €124k | €119k | €113k | €138k | €148k | ▲ 7.2% |
| Equity10/15 | €123k | €118k | €106k | €133k | €147k | ▲ 10.3% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | - | €62k | €62k | €62k | €62k | = |
| Issued capital100 | - | €62k | €62k | €62k | €62k | = |
| Reserves13 | €59k | €56k | €56k | €56k | €56k | = |
| Non-distributable reserves130/1 | - | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | - | €6k | €6k | €6k | €6k | = |
| Distributable reserves133 | - | €49k | €49k | €49k | €49k | = |
| Profit (loss) carried forward14 | €2k | - | €-11k | €16k | €29k | ▲ 86.7% |
| Amounts payable17/49 | €1k | €2k | €7k | €5k | €1k | ▼ 73.7% |
| Amounts payable within one year42/48 | €1k | €2k | €7k | €5k | €1k | ▼ 73.7% |
| Trade debts44 | €320 | €933 | €250 | €251 | - | - |
| Suppliers440/4 | - | €933 | €250 | €251 | - | - |
| Advances received on contracts in progress46 | - | €605 | €2k | - | - | - |
| Taxes, remuneration and social security45 | - | €186 | €4k | €4k | €504 | ▼ 87.3% |
| Taxes450/3 | - | €186 | €4k | €2k | €504 | ▼ 77.1% |
| Remuneration and social security454/9 | - | - | - | €2k | - | - |
| Other amounts payable47/48 | - | - | €827 | €827 | €827 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €-5k | €-11k | €27k | €14k | ▼ 49.7% |
| + Depreciation and write-downs630 | €518 | - | - | - | - | - |
| Operating cash flow (approximation) | €-837 | €-5k | €-11k | €27k | €14k | ▼ 49.7% |
| Change in cash | - | €-15k | €11k | €10k | €-3k | ▼ 125% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 111.50
Current ratio from 27.40 to 111.50; short-term debt falls from €5k to €1k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after 3 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
7 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, Antwerpen · 1 establishment unit since 1999
Ground area
4,623 m²
Building footprint
468 m²
Volume, LiDAR
3,623 m³
2 parcels, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Seringenlaan 13, 2970 Schilde
since 19992.092.961.179
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0035/00D000 | Flanders | 4,278 m² | 1 · 345 m² | 12.1 m · 2 fl. |
| 11809I2106/00V000 | Flanders | 345 m² | 1 · 123 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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
UTOPIT
BE 0830.866.564
Bonheiden · Eq €147,007
Steenbrugge Design
BE 0508.618.510
Oud-Turnhout · Eq €146,992
EDK Management
BE 0671.702.927
Merelbeke-Melle · Eq €146,928
IVH
BE 0819.086.311
Antwerpen · Eq €147,165
ISIS BELGIQUE
BE 0871.399.795
Mouscron · Eq €147,189
Of 24,515 companies in sector 82990 we hold annual accounts for 9,408. 7,132 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-10-1999
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.