Financials
- Fiscal year
- 2025
- Total assets
- €154,034
- Loss
- -€3,435
- Solvency
- 44.0%
Total assets▲ 33.8%
Net result
20222025
GUMO DECOR
ActiveSummary
GUMO DECOR has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,812 and a net result of -€3,435. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 8593 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
What they do
Painting of buildings
NACE 43341
1 site
How big
€154,034total assets 2025
- Equity
- €67,812
- Loss
- -€3,435
Turnover not published (abridged schema)
Who decides
- Parent
- Moris-Heussen Holding · 100%
Accounts 39 d early0 of 1 deed read
Why 65- Founded in 2021- Size: total assets €154,034- Sector Specialised construction activities (NACE 43)+ Figures for FY 2025 (filed 22-06-2026)Show the evidence
Checked score
Score 2025
65
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 41% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
69-18
equity 44.0% of total assets
Liquidity
63-15
short-term debt 12.6% · cash 11.3%
Profitability
62-30
return on assets -2.2%
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 3 months
08-2026: 1.1%highest value
09-2026: 1.1%▼ -0.2% vs 08-2026
10-2026: 1.1%▼ -0.5% vs 09-2026lowest value
- Founded in 2021 raises the probability for this profile
- Size: total assets €154,034 raises the probability for this profile
- Figures for FY 2025 (filed 22-06-2026) lowers the probability
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.2 against 1.85 in 2024; short-term debt: 12.6% and cash: 11.3% of total assets), but 56% of the assets are financed with debt.
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 43, micro). Better than this share of them on solvency 47%, liquidity 61%, profitability 30%, growth against the median 28%. 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 22-06-2026, 39 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
39 d early
2024
35 d early
2023
20 d early
2022
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 28 June (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€3,435
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Board & ownership
- Parent
- Moris-Heussen Holding · 100%
- Known shareholders
- 100%
Timeline
- Events
- 5
- Since
- 2023
- Next accounts
- by 31-07-2027
- 22-06-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 26-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Painting of buildingsNACE 43341
- Founded
- 13-09-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.