KELUMAI
ActiveKELUMAI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €8k. Equity is growing by ~41.3% per year across the filed fiscal years. Its solvency ranks better than 79% of 4622 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+6
Solvency90▲+9
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 1.9 in 2024; short-term debt: 34.6% and cash: 78.3% of total assets), and 34.6% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
35 d early
2023
on the day
2022
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 46.0%
2024 · €17k
2022: €9k
2023: €12k
2024: €17k
2022 → 2025
Total assets
€38k▲ 24.4%
2024 · €31k
2022: €11k
2023: €15k
2024: €31k
2022 → 2025
Net result
€8k▲ 62.7%
2024 · €5k
2022: €-5k
2023: €4k
2024: €5k
2022 → 2025
Working capital
€20k▲ 65.5%
2024 · €12k
2022: €5k
2023: €8k
2024: €12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€12k▲ 40.6%€17k▲ 39.4%€25k▲ 46.0%
Operating result€-5k-€4k€6k▲ 57.2%€11k▲ 95.9%
Net result€-5k-€4k€5k▲ 36.7%€8k▲ 62.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 96% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€5k▼ 3.3%
Current assets
€34k▲ 29.5%
Equity and liabilities €38k
Equity
€25k▲ 46.0%
Debt
€13k▼ 2.8%
The debt ratio falls from 44.3% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €7k
Cash flow
€9k▲
2024 · €6k
Solvency
65.4%▲
2024 · 55.7%
Current ratio
2.53▲
2024 · 1.90
Quick ratio
2.53▲
2024 · 1.90
Debt / equity
0.53▼
2024 · 0.80
ROE
31.5%▲
2024 · 28.3%
ROA
20.6%▲
2024 · 15.7%
Interest coverage
131.76▼
2024 · 145.50
Debt
€13k▼
2024 · €14k
Debt ≤ 1 year
€13k▼
2024 · €14k
Income taxes
€3k▲
2024 · €841
Staff costs
€50
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€38k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€5k€5k▼
Furniture and vehicles24€1k€2k▲
Leasing and similar rights25€2k€2k▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€54€54=
Current assets29/58€26k€34k▲
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€5-
Cash at bank and in hand54/58€22k€30k▲
Deferred charges and accrued income490/1€380€459▲
Equity and liabilities
Total equity and liabilities10/49€31k€38k▲
Equity10/15€17k€25k▲
Contributions10/11€14k€14k=
Reserves13-€8k
Distributable reserves133-€8k
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€14k€13k▼
Amounts payable within one year42/48€14k€13k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€1k€4k▲
Remuneration and social security454/9€9k€5k▼
Other amounts payable47/48€102-
Income statement
Code20242025
Remuneration, social security and pensions62-€50
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€511€1k▲
Gross operating margin9900€7k€14k▲
Operating profit (loss)9901€6k€11k▲
Financial income75/76B€29€37▲
Recurring financial income75€29€37▲
Financial charges65/66B€47€96▲
Recurring financial charges65€47€96▲
Profit (loss) for the period before taxes9903€6k€11k▲
Income taxes67/77€841€3k▲
Profit (loss) for the period9904€5k€8k▲
Profit (loss) for the period to be appropriated9905€5k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€11k▲
Profit (loss) brought forward from the previous period14P€-2k€3k▲
Transfer to equity691/2-€8k
To other reserves6921-€8k
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
Next filing, fiscal year 2026, expected by
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2022net €8k ▲62.7%
Operating result €11k, net result €8k, both a record.
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nivelles
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.
Rue de Namur 921400 NivellesGround area
162 m²
Building footprint
42 m²
Parcel 25782C0239/00G000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0239/00G000 | Wallonia | 162 m² | 1 · 42 m² | - |
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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Beauty & Balance
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Of 24,863 companies in sector 96220 we hold annual accounts for 1,443. 1,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2021
Fiscal year end30-06
Activities, NACEBEL
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.