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GUMMAR

Active
Private limited companyfounded 2007active for 19 yearsGraatakker 79, 2300 Turnhout, BelgiumKBO/BCE: BE 0890.646.872
Summary

The computed 12-month bankruptcy probability of GUMMAR is 2.5% (moderate). The annual accounts of GUMMAR for financial year 2025 show a net loss of 85% of the equity at the start of that year. The 2025 annual accounts show equity of €3,043 and a net result of -€17,121. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 15% of 12,757 sector peers (NACE 47, financial year 2025). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 06-07-2007 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2025
Establishment unit
2.165.040.394 2300 Turnhout, since 27-06-2007
Financial year end
31 December
Peppol
Reachable since 11-12-2025

Board and ownership

Board

Financial position

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.5%
Annual accounts 2025
Gross margin
-€15,928
Loss
€17,121
Equity
€3,043
▼ 84.9%
Total assets
€178,373
▲ 2.4%
  • 2025 accounts filed 89 days after the deadline
Turnover not published (abbreviated or micro format)
Filed on 28-10-2026
Score breakdownraises riskLast filed accounts filed 89 days late; 2 of the last 3 accounts lateLoss of €17,121 (financial year 2025)lowers riskFounded in 2007Size: total assets €178,373Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 20% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 27-10
equity 1.7% of total assets
Liquidity 37-13
short-term debt 33.8% · cash 1.4%
Profitability 14-86
return on assets -9.6%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 3.8% 01-2025: 3.7%▼ -0.1 percentage points vs 12-2024 02-2025: 3.8%▲ +0.1 percentage points vs 01-2025 03-2025: 3.8%● unchanged vs 02-2025 04-2025: 4.1%▲ +0.3 percentage points vs 03-2025 05-2025: 4.4%▲ +0.3 percentage points vs 04-2025 06-2025: 4.3%▼ -0.1 percentage points vs 05-2025 07-2025: 4.4%▲ +0.1 percentage points vs 06-2025 08-2025: 4.8%▲ +0.4 percentage points vs 07-2025 09-2025: 5.0%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 1.4%▼ -3.6 percentage points vs 09-2025 11-2025: 1.4%● unchanged vs 10-2025 12-2025: 1.4%● unchanged vs 11-2025 01-2026: 1.4%● unchanged vs 12-2025 02-2026: 1.5%▲ +0.1 percentage points vs 01-2026 03-2026: 1.5%● unchanged vs 02-2026 04-2026: 1.7%▲ +0.2 percentage points vs 03-2026 05-2026: 1.8%▲ +0.1 percentage points vs 04-2026 06-2026: 1.7%▼ -0.1 percentage points vs 05-2026 07-2026: 1.7%● unchanged vs 06-2026 08-2026: 2.5%▲ +0.8 percentage points vs 07-2026 09-2026: 1.4%▼ -1.1 percentage points vs 08-2026lowest value 10-2026: 2.5%▲ +1.1 percentage points vs 09-2026 11-2026: 2.5%● unchanged vs 10-2026
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is ample, with a current ratio of 2.96 (4.47 in 2024), above the usual 1.5. Short-term debt is 33.8% and cash 1.4% of total assets. However, 98.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 20% of them on solvency, 34% on liquidity, 19% on profitability and 7% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 89 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Loss of €17,121 (financial year 2025)
NBB · annual accounts
lowers risk · Founded in 2007
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €178,373
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 12757 sector peers (2025).
NBB · sector comparison
Position among 12757 sector peers
Solvency
better than 15%
← weakest strongest →
raises risk · 2025 accounts filed 89 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-10-2026, 89 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
89 days late
2024
55 days late
2023
1 day early
2022
on the day
2021
76 days late
2020
5 days early
2019
46 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 37 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 September (5 of the last 5 accounts filed within 55 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €81,662 in 2024 -€17,121 View
  • Caution: Less equity than 85% of companies in retail tradesector median €236,771 · 12,767 companies €3,043 View

Comparable companies

These companies have the same main activity as GUMMAR: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €154,000 and €223,000, founded between 2005 and 2009.

CompanyTotal assetsGross margin
GUMMAR Turnhout€178,373-€15,928
T&W Invest Meerhout€216,937-€21,266
ROXMA Verviers€184,917€936
ATTFOODSTORE Landen€178,196-€35,963
RESERVOIR MAG Waterloo€154,106-€6,797
FOODAK Estaimpuis€222,674-€20,051
DECLERCQ FRANKY Deinze€219,181€398
Full comparison

Key facts about GUMMAR

What is the company number of GUMMAR?
The company number of GUMMAR is 0890.646.872. The VAT number is the same number with BE in front: BE 0890.646.872.
Where is GUMMAR based?
The registered office is at Graatakker 79, 2300 Turnhout.Company details
What does GUMMAR do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of GUMMAR?
The legal form of GUMMAR is Private limited company (BV).
When was GUMMAR founded?
GUMMAR was founded on 06-07-2007.
Is GUMMAR still active?
Yes, GUMMAR is an active enterprise in the KBO register.
How many employees does GUMMAR have?
GUMMAR had an average of 0.3 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
Which joint committee does GUMMAR fall under?
In its 2025 annual accounts, GUMMAR states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of GUMMAR?
The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it. In financial year 2019 turnover was €2.5m.
Is GUMMAR profitable?
In financial year 2025, GUMMAR made a loss of €17,121.
Where can I find the annual accounts of GUMMAR?
GUMMAR filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GUMMAR due?
GUMMAR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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