K&K UMMELS

Active

Private limited companyfounded 20223 yrs activeM. Curiestraat 2, 3620 Lanaken, BelgiumKBO/BCE: BE 0794.169.880

The computed 12-month bankruptcy probability of K&K UMMELS is 1.8% (moderate). The 2024 annual accounts show equity of €19k and a net result of €6k. Its solvency ranks better than 62% of 705 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

66 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability91▼-9

Solvency79▲+8

Growth52

Track record94

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.11 against 0.91 in 2023; short-term debt: 42.9% and cash: 9.9% of total assets), and 45.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

54.5%

Return on assets

18%

Age of the figures

21 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 16

Relative position

BE, all sectors

reference

Sector 16

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

35 d early

2023

34 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€19k▲ 49.2%

2023 · €13k

2023: €13k

2023 → 2024

Total assets

€35k▲ 26.2%

2023 · €27k

2023: €27k

2023 → 2024

Net result

€6k▼ 18.5%

2023 · €8k

2023: €8k

2023 → 2024

Working capital

€2k

2023 · €-1k

2023: €-1k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€13k-€19k▲ 49.2%

Operating result€11k-€9k▼ 14.0%

Net result€8k-€6k▼ 18.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 14% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €35k

52.6%

47.4%

Fixed assets €18k▲ 30.2%

Current assets €16k▲ 22.1%

Equity and liabilities €35k

54.5%

45.5%

Equity €19k▲ 49.2%

Debt €16k▲ 6.6%

The debt ratio falls from 53.9% to 45.5%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€14k▼

2023 · €17k

Cash flow

€11k▼

2023 · €14k

Solvency

54.5%▲

2023 · 46.1%

Current ratio

1.11▲

2023 · 0.91

Quick ratio

1.11▲

2023 · 0.91

Debt / equity

0.84▼

2023 · 1.17

ROE

33.0%▼

2023 · 60.4%

ROA

18.0%▼

2023 · 27.8%

Interest coverage

59.20▼

2023 · 202.88

Debt

€16k▲

2023 · €15k

Debt ≤ 1 year

€15k▲

2023 · €15k

Income taxes

€3k▼

2023 · €3k

Staff costs

€953▲

2023 · €621

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€27k€35k▲

Formation expenses20€0€0=

Fixed assets21/28€14k€18k▲

Intangible fixed assets21-€405

Tangible fixed assets22/27€14k€18k▲

Land and buildings22€1k€1k▼

Plant, machinery and equipment23€9k€12k▲

Furniture and vehicles24€4k€5k▲

Current assets29/58€13k€16k▲

Amounts receivable within one year40/41€9k€13k▲

Trade receivables40€2k€7k▲

Other amounts receivable41€7k€6k▼

Cash at bank and in hand54/58€4k€3k▼

Equity and liabilities

Total equity and liabilities10/49€27k€35k▲

Equity10/15€13k€19k▲

Contributions10/11€5k€5k=

Reserves13€8k€14k▲

Distributable reserves133€8k€14k▲

Amounts payable17/49€15k€16k▲

Amounts payable within one year42/48€15k€15k▲

Trade debts44€907€195▼

Suppliers440/4€907€195▼

Taxes, remuneration and social security45€5k€6k▲

Taxes450/3€5k€6k▲

Other amounts payable47/48€9k€9k=

Accrued charges and deferred income492/3-€927

Income statement Code20232024

Remuneration, social security and pensions62€621€953▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼

Other operating charges640/8€2k€1k▼

Non-recurring operating charges66A-€836

Gross operating margin9900€19k€17k▼

Operating profit (loss)9901€11k€9k▼

Financial income75/76B€39€23▼

Recurring financial income75€39€23▼

Financial charges65/66B€84€234▲

Recurring financial charges65€84€234▲

Profit (loss) for the period before taxes9903€11k€9k▼

Income taxes67/77€3k€3k▼

Profit (loss) for the period9904€8k€6k▼

Profit (loss) for the period to be appropriated9905€8k€6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€8k€6k▼

Transfer to equity691/2€8k€6k▼

To other reserves6921€8k€6k▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Lanaken · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

M. Curiestraat 23620 Lanaken

Ground area

892 m²

Building footprint

169 m²

Volume, LiDAR

1,176 m³

Parcel 73042B0306/00A000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

K&K UMMELS

M. Curiestraat 2, 3620 LanakenConstruction of residential and non-residential buildings

since 20222.338.427.993

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73042B0306/00A000	Flanders	892 m²	1 · 169 m²	10.4 m · 2 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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 420 EUR awarded · 420 EUR paid

Year	Entries	awarded	paid
2025	1	420 EUR	420 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 420 EUR · 420 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Recognised contractor

9 categories

K&K UMMELS BV45571

category D, class 1 · category D1, class 1 · category D10, class 1 · category D16, class 1 · category D17, class 1 · category D18, class 1 · category D25, class 1 · category D29, class 1 · category D4, class 1

decision 05-11-2025