GUMMAR
ActiveGUMMAR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20k and a net result of €82k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 26062 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
73
/ 100
Healthy▲ +66 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency41▲+2
Growth67▲+30
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.47 against 0.77 in 2023), but 88.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.6%
Return on assets
46.9%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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
55 d late
2023
1 d early
2022
on the day
2021
76 d late
2020
5 d early
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€2.49M▲ 4.0%
2018 · €2.39M
2018: €2.39M
2018 → 2019
EBIT margin
1.3%▼ 0.5pp
2018 · 1.8%
2018: 1.8%
2018 → 2019
Net result
€82k
2023 · €-94k
2018: €36k
2019: €21k
2020: €80k
2021: €25k
2022: €-45k
2023: €-94k
2018 → 2024
Working capital
€135k
2023 · €-95k
2018: €-112k
2019: €-85k
2020: €-32k
2021: €40k
2022: €-28k
2023: €-95k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€53k-€78k▲ 46.1%€33k▼ 57.9%€-61k€20k
Operating result€125k-€16k▼ 87.0%€-42k€-79k▼ 88.1%€97k
Net result€80k-€25k▼ 69.3%€-45k€-94k▼ 109%€82k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €97k after a loss of €79k in 2023.
Balance-sheet composition
Equity and liabilities €174k
Equity
€20k
Debt
€154k
Debt finances 88.4% of the balance-sheet total.
Key figures and ratios
Solvency
11.6%▲
2023 · -12.5%
Current ratio
4.47▲
2023 · 0.77
Quick ratio
4.47▲
2023 · 0.54
Debt / equity
7.64▲
2023 · -8.99
ROE
405.0%▲
2023 · 153.3%
ROA
46.9%▲
2023 · -19.2%
Debt
€154k▼
2023 · €553k
Debt ≤ 1 year
€39k▼
2023 · €418k
Debt > 1 year
€115k=
2023 · €115k
Income taxes
€9k▲
2023 · €149
Staff costs
€22k▼
2023 · €80k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€491k€174k▼
Fixed assets21/28€169k-
Tangible fixed assets22/27€169k-
Plant, machinery and equipment23€152k-
Furniture and vehicles24€4k-
Other tangible fixed assets26€13k-
Current assets29/58€322k€174k▼
Stocks and contracts in progress3€96k-
Stocks30/36€96k-
Amounts receivable within one year40/41€172k€163k▼
Trade receivables40€34k-
Other amounts receivable41€138k€163k▲
Cash at bank and in hand54/58€34k€11k▼
Deferred charges and accrued income490/1€19k-
Equity and liabilities
Total equity and liabilities10/49€491k€174k▼
Equity10/15€-61k€20k▲
Contributions10/11€24k€24k=
Outside capital11€24k€24k=
Share premium1100/10€24k€24k=
Reserves13€54k€54k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€-139k€-58k▲
Amounts payable17/49€553k€154k▼
Amounts payable after more than one year17€115k€115k=
Financial debts170/4€115k€115k=
Amounts payable within one year42/48€418k€39k▼
Current portion of amounts payable after more than one year42€31k€10k▼
Trade debts44€336k€1k▼
Suppliers440/4€336k€1k▼
Taxes, remuneration and social security45€35k€22k▼
Taxes450/3€14k€21k▲
Remuneration and social security454/9€22k€1k▼
Other amounts payable47/48€15k€5k▼
Accrued charges and deferred income492/3€20k-
Income statement
Code20232024
Remuneration, social security and pensions62€80k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k-
Other operating charges640/8€1k€69k▲
Non-recurring operating charges66A-€169k
Gross operating margin9900€63k€356k▲
Operating profit (loss)9901€-79k€97k▲
Financial income75/76B€616-
Recurring financial income75€616-
Financial charges65/66B€15k€6k▼
Recurring financial charges65€15k€6k▼
Profit (loss) for the period before taxes9903€-94k€91k▲
Income taxes67/77€149€9k▲
Profit (loss) for the period9904€-94k€82k▲
Profit (loss) for the period to be appropriated9905€-94k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-139k€-58k▲
Profit (loss) brought forward from the previous period14P€-45k€-139k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Back to profitnet €82k
Net result €82k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 4.47
Current ratio from 0.77 to 4.47; short-term debt falls from €418k to €39k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-94k
Net result drops to €-94k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 76 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Turnhout · 1 establishment unit since 2007
Ground area
874 m²
Building footprint
268 m²
Volume, LiDAR
2,676 m³
Parcel 13452N0012/00G000, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GUMMAR
since 20072.165.040.394
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13452N0012/00G000 | Flanders | 874 m² | 1 · 268 m² | 14.4 m · 4 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.
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Of 10,397 companies in sector 47110 we hold annual accounts for 5,778. 4,093 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2007
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
52114
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.