Gumalu
ActiveSummary
Gumalu has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €483,491 and a net result of €64,164. Its solvency ranks better than 29% of 8782 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-19
Solvency54▲+10
Growth52
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity short (current ratio 0.26 against 2.64 in 2024; short-term debt: 21.9% and cash: 1.2% of total assets), and 71.2% of the assets are financed with debt.
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Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
28.8%
Return on assets
3.8%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
16 d early
2024
56 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€483,491▲ 15.3%
2024 · €419,326
Total assets
€1.7m▼ 21.8%
2024 · €2.2m
Net result
€64,164▼ 84.5%
2024 · €414,326
Working capital
-€273,295
2024 · €343,068
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€171,143-€98,233▼ 42.6%
Net result€414,326above the sector's middle half-€64,164within the sector's middle half▼ 84.5%
Equity€419,326within the sector's middle half-€483,491within the sector's middle half▲ 15.3%
Total assets€2.2mwithin the sector's middle half-€1.7mwithin the sector's middle half▼ 21.8%
Debt€1.7m-€1.2m▼ 30.8%
Working capital€343,068within the sector's middle half--€273,295below the sector's middle half
Solvency19.5%below the sector's middle half-28.8%within the sector's middle half▲ 9.3pp
Current ratio2.64within the sector's middle half-0.26below the sector's middle half▼ 2.38
Return on assets (ROA)19.3%above the sector's middle half-3.8%within the sector's middle half▼ 15.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.6m ▼ 0.8%
Current assets
€95,154 ▼ 82.8%
Equity and liabilities €1.7m
Equity
€483,491 ▲ 15.3%
Debt
€1.2m ▼ 30.8%
Debt's share of the balance-sheet total falls from 80.5% to 71.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110,400▼
2024 · €183,743
Cash flow
€76,331▼
2024 · €426,926
Debt to equity
2.48▼
2024 · 4.13
ROE
13.3%▼
2024 · 98.8%
Interest coverage
6.13▼
2024 · 15.26
Debt ≤ 1 year
€368,449▲
2024 · €209,457
Debt > 1 year
€829,284▼
2024 · €1.5m
Income taxes
€16,064▼
2024 · €34,775
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,599 | €12,167 | ▼ 3.4% |
| Other operating charges640/8 | €1,030 | €750 | ▼ 27.2% |
| Gross operating margin9900 | €184,773 | €111,149 | ▼ 39.8% |
| Operating profit (loss)9901 | €171,143 | €98,233 | ▼ 42.6% |
| Financial income75/76B | €290,000 | €0 | ▼ 100% |
| Recurring financial income75 | €290,000 | €0 | ▼ 100% |
| Financial charges65/66B | €12,042 | €18,005 | ▲ 49.5% |
| Recurring financial charges65 | €12,042 | €18,005 | ▲ 49.5% |
| Profit (loss) for the period before taxes9903 | €449,102 | €80,228 | ▼ 82.1% |
| Income taxes67/77 | €34,775 | €16,064 | ▼ 53.8% |
| Profit (loss) for the period9904 | €414,326 | €64,164 | ▼ 84.5% |
| Profit (loss) for the period to be appropriated9905 | €414,326 | €64,164 | ▼ 84.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €2.2m | €1.7m | ▼ 21.8% |
| Fixed assets21/28 | €1.6m | €1.6m | ▼ 0.8% |
| Tangible fixed assets22/27 | €48,237 | €36,070 | ▼ 25.2% |
| Furniture and vehicles24 | €48,237 | €36,070 | ▼ 25.2% |
| Financial fixed assets28 | €1.6m | €1.6m | = |
| Current assets29/58 | €552,525 | €95,154 | ▼ 82.8% |
| Amounts receivable within one year40/41 | €494,090 | €74,545 | ▼ 84.9% |
| Trade receivables40 | €204,090 | €17,545 | ▼ 91.4% |
| Other amounts receivable41 | €290,000 | €57,000 | ▼ 80.3% |
| Cash at bank and in hand54/58 | €57,474 | €19,570 | ▼ 66.0% |
| Deferred charges and accrued income490/1 | €960 | €1,039 | ▲ 8.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €2.2m | €1.7m | ▼ 21.8% |
| Equity10/15 | €419,326 | €483,491 | ▲ 15.3% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €414,326 | €478,491 | ▲ 15.5% |
| Distributable reserves133 | €414,326 | €478,491 | ▲ 15.5% |
| Amounts payable17/49 | €1.7m | €1.2m | ▼ 30.8% |
| Amounts payable after more than one year17 | €1.5m | €829,284 | ▼ 45.5% |
| Financial debts170/4 | €471,979 | €409,284 | ▼ 13.3% |
| Other amounts payable178/9 | €1.1m | €420,000 | ▼ 60.0% |
| Amounts payable within one year42/48 | €209,457 | €368,449 | ▲ 75.9% |
| Current portion of amounts payable after more than one year42 | €60,442 | €62,695 | ▲ 3.7% |
| Trade debts44 | €92,847 | €1,580 | ▼ 98.3% |
| Suppliers440/4 | €92,847 | €1,580 | ▼ 98.3% |
| Taxes, remuneration and social security45 | €56,167 | €27,653 | ▼ 50.8% |
| Taxes450/3 | €51,167 | €25,153 | ▼ 50.8% |
| Remuneration and social security454/9 | €5,000 | €2,500 | ▼ 50.0% |
| Other amounts payable47/48 | - | €276,520 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €414,326 | €64,164 | ▼ 84.5% |
| + Depreciation and write-downs630 | €12,599 | €12,167 | ▼ 3.4% |
| Operating cash flow (approximation) | €426,926 | €76,331 | ▼ 82.1% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€37,905 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Kuurne · 1 establishment unit since 2023
Ground area
324 m²
Parcel 34023C0349/02_000, Flanders. Linked by address, not a title deed.
1 establishment unit
Gumalu
since 20232.346.981.316
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023C0349/02_000indicative | Flanders | 324 m² | - | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of Gumalu and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 5,711 companies in sector 70100 we hold annual accounts for 3,519. 2,218 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
Founded30-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0803447337
Also
9925:BE0803447337
Registered
22-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.