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 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
96
/ 100
Excellent▲ +74 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency98▲+71
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.14 in 2023), 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
20 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
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 year so far.
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 grows while debt is paid down.
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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CARDEAL
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Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,573 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 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.