GUMUS - Import - Export
ActiveGUMUS - Import - Export has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €355k and a net result of €233k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency82▲+38
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days only on tighter terms
Liquidity ample (current ratio 2.25 against 1.14 in 2023; short-term debt: 38.7% and cash: 6.6% of total assets), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
57.3%
Return on assets
37.6%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
91 d late
2022
31 d late
2021
44 d late
2020
86 d late
2019
138 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€233k
2023 · €-209k
2018: €28k
2019: €31k
2020: €14k
2021: €24k
2022: €49k
2023: €-209k
2018 → 2024
Working capital
€300k▲ 329%
2023 · €70k
2018: €194k
2019: €200k
2020: €189k
2021: €208k
2022: €242k
2023: €70k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€289k-€302k▲ 4.7%€331k▲ 9.5%€122k▼ 63.2%€355k▲ 191%
Operating result€21k-€45k▲ 118%€62k▲ 39.0%€-202k€247k
Net result€14k-€24k▲ 66.4%€49k▲ 106%€-209k€233k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €247k after a loss of €202k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €619k
Fixed assets
€80k▼ 6.4%
Current assets
€539k▼ 3.0%
Equity and liabilities €619k
Equity
€355k▲ 191%
Debt
€264k▼ 49.1%
The debt ratio falls from 81.0% to 42.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€252k▲
2023 · €-197k
Cash flow
€238k▲
2023 · €-204k
Solvency
57.3%▲
2023 · 19.0%
Current ratio
2.25▲
2023 · 1.14
Quick ratio
0.96▲
2023 · 0.86
Debt / equity
0.75▼
2023 · 4.26
ROE
65.6%▲
2023 · -171.4%
ROA
37.6%▲
2023 · -32.6%
Interest coverage
22.43▲
2023 · -28.56
Debt
€264k▼
2023 · €520k
Debt ≤ 1 year
€239k▼
2023 · €486k
Debt > 1 year
€23k▼
2023 · €33k
Income taxes
€2k
Staff costs
€6k▲
2023 · €4k
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€642k€619k▼
Fixed assets21/28€86k€80k▼
Tangible fixed assets22/27€86k€80k▼
Land and buildings22€84k€79k▼
Plant, machinery and equipment23€2k€2k▼
Current assets29/58€556k€539k▼
Stocks and contracts in progress3€140k€310k▲
Stocks30/36€140k€310k▲
Amounts receivable within one year40/41€409k€187k▼
Trade receivables40€384k€180k▼
Other amounts receivable41€25k€8k▼
Cash at bank and in hand54/58€7k€41k▲
Deferred charges and accrued income490/1-€778
Equity and liabilities
Total equity and liabilities10/49€642k€619k▼
Equity10/15€122k€355k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€103k€336k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€83k€316k▲
Amounts payable17/49€520k€264k▼
Amounts payable after more than one year17€33k€23k▼
Financial debts170/4€33k€23k▼
Amounts payable within one year42/48€486k€239k▼
Current portion of amounts payable after more than one year42€9k€10k▲
Financial debts43€748€8k▲
Credit institutions430/8€748€8k▲
Trade debts44€471k€112k▼
Suppliers440/4€471k€70k▼
Bills of exchange payable441-€42k
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€4k€2k▼
Remuneration and social security454/9€628€773▲
Other amounts payable47/48-€107k
Accrued charges and deferred income492/3€487€2k▲
Income statement
Code20232024
Remuneration, social security and pensions62€4k€6k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€1k€6k▲
Non-recurring operating charges66A-€21k
Gross operating margin9900€-192k€285k▲
Operating profit (loss)9901€-202k€247k▲
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€7k€11k▲
Recurring financial charges65€7k€11k▲
Profit (loss) for the period before taxes9903€-209k€235k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-209k€233k▲
Profit (loss) for the period to be appropriated9905€-209k€233k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-207k€233k▲
Profit (loss) brought forward from the previous period14P€2k-
Transfer from equity791/2€207k-
Transfer to equity691/2-€233k
To other reserves6921-€233k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Back to profitnet €233k
Net result €233k after one loss-making year.
31-12
Financial
Equity above €200kEq €355k ▲191%
Equity rises from €122k to €355k.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Weakest financial yearnet €-209k ▼529%
Net result drops to €-209k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 44 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 86 days late
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 138 days late
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 148 days late
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 134 days late
29-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 182 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Quaregnon · 1 establishment unit since 1989
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Cour Moreau 147390 QuaregnonGround area
367 m²
Building footprint
167 m²
Volume, LiDAR
625 m³
Parcel 53065B0344/00K000, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GUMUS IMPORT EXPORT
since 19892.045.385.451
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53065B0344/00K000 | Wallonia | 367 m² | 1 · 167 m² | 5.2 m · 1 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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HDG Group
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CARDEAL
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Of 10,674 companies in sector 47811 we hold annual accounts for 5,221. 3,586 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-1989
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.