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Gumbys

Active
Public limited companyfounded 20197 yrs activeVeldkant 33 A, 2550 Kontich, BelgiumKBO/BCE: BE 0726.933.836
Summary

The computed 12-month bankruptcy probability of Gumbys is 2.4% (moderate). The 2025 annual accounts show negative equity (-€284,264) and a net result of -€87,912. Equity is shrinking by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 9% of 1541 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
GumbysActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200NACE 62010IT consultancy NACE 62020
1 site
Size
€783,770turnover 2025
Staff
6.3 FTE
Equity
-€284,264
Loss
-€87,912
Financial health
50 Fair Checked score 2025
Bankruptcy chance 12 m
2.4%
Structure
Parent
Phanes · 93%
Accounts 4 d early0 of 5 deeds read
Why 50- Negative equity -€284,264- Loss of €87,912 (FY 2025)- Size: turnover €783,770, 6.3 FTE, total assets €223,293+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 8% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -127.3% of total assets
Liquidity 4-11
short-term debt 227.3% · cash 3.2%
Profitability 0-83
return on assets -39.4%
Bankruptcy probability, 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,520 companies)
Last 21 months 02-2025: 1.6% 03-2025: 1.6%▼ -2.2% vs 02-2025 04-2025: 1.6%▲ +0.3% vs 03-2025 05-2025: 1.7%▲ +11.3% vs 04-2025 06-2025: 1.7%▼ -4.5% vs 05-2025 07-2025: 1.8%▲ +7.2% vs 06-2025 08-2025: 2.7%▲ +51.2% vs 07-2025highest value 09-2025: 1.1%▼ -60.3% vs 08-2025 10-2025: 1.1%▼ -2.0% vs 09-2025 11-2025: 1.0%▼ -0.5% vs 10-2025 12-2025: 1.0%● 0.0% vs 11-2025 01-2026: 1.0%● 0.0% vs 12-2025 02-2026: 1.0%● 0.0% vs 01-2026 03-2026: 1.0%▼ -2.4% vs 02-2026 04-2026: 1.1%▲ +3.5% vs 03-2026 05-2026: 1.0%▼ -2.3% vs 04-2026 06-2026: 1.0%▼ -4.8% vs 05-2026lowest value 07-2026: 1.1%▲ +7.9% vs 06-2026 08-2026: 2.4%▲ +125% vs 07-2026 09-2026: 2.4%● 0.0% vs 08-2026 10-2026: 2.4%● 0.0% vs 09-2026
  • Negative equity -€284,264 raises the probability
  • Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
  • Loss of €87,912 (FY 2025) raises the probability
  • Size: turnover €783,770, 6.3 FTE, total assets €223,293 raises the probability for this profile
No credit on open account
Liquidity short (current ratio 0.42 against 0.38 in 2024; short-term debt: 227.3% and cash: 3.2% of total assets), and equity is negative.
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 62, micro). Better than this share of them on solvency 3%, liquidity 3%, profitability 5%, growth against the median 19%. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity -€284,264
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Loss of €87,912 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: turnover €783,770, 6.3 FTE, total assets €223,293
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
202122232425
2020 to 2025 · latest year -€284,264
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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
4 d early
2024
27 d late
2023
14 d late
2022
4 d late
2021
4 d late
2020
26 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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 4 August (5 of the last 5 filed years within 30 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 · full…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Back to profitnet €85,632

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€284,264 View
  • Caution: From profit to loss in 2025after €85,632 in 2024 -€87,912 View
  • Caution: Among the weakest 9% on solvencysector median 39.2% · 1,541 companies -127.3% View
  • Controlled by Phanesknown shareholders 93% 93% View

By topic

Financials

Fiscal year
2025
Turnover
€783,770
Loss
-€87,912
Solvency
-127.3%
Turnover▼ 18.0%
Net result
20202025
Go to Financials

Timeline

Events
8
Since
2021
Next accounts
by 31-07-2027
  1. 27-07-2026Annual accounts filed
  2. 27-08-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
20-05-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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