KUBIMO
ActiveSummary
KUBIMO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€49,176) and a net result of -€4,285. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 5% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability1▼-99
Solvency0=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.37 against 0.41 in 2024; short-term debt: 268.5% and cash: 0.8% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-168.5%
Return on assets
-14.7%
Age of the figures
12 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€49,176
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-04-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
1 d early
2023
30 d late
2022
9 d early
2021
2 d early
2020
37 d early
2019
216 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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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 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 What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€49,176▼ 9.5%
2024 · -€44,891
Total assets
€29,177▼ 7.6%
2024 · €31,586
Net result
-€4,285
2024 · €14,131
Working capital
-€49,176▼ 9.5%
2024 · -€44,891
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,981▲ 64.8%-€478€267-€10,835-€7,240▲ 33.2%
Net result€7,409within the sector's middle half▲ 371%-€11,177below the sector's middle half-€3,813below the sector's middle half▲ 65.9%€14,131within the sector's middle half-€4,285below the sector's middle half
Equity-€44,032below the sector's middle half▲ 14.4%-€55,209below the sector's middle half▼ 25.4%-€59,022below the sector's middle half▼ 6.9%-€44,891below the sector's middle half▲ 23.9%-€49,176below the sector's middle half▼ 9.5%
Total assets€227,988within the sector's middle half▼ 2.6%€219,601within the sector's middle half▼ 3.7%€218,554within the sector's middle half▼ 0.5%€31,586below the sector's middle half▼ 85.5%€29,177below the sector's middle half▼ 7.6%
Debt€272,020▼ 4.7%€274,810▲ 1.0%€277,576▲ 1.0%€76,477▼ 72.4%€78,352▲ 2.5%
Working capital-€109,816below the sector's middle half▼ 3.7%-€130,220below the sector's middle half▼ 18.6%-€137,270below the sector's middle half▼ 5.4%-€44,891below the sector's middle half▲ 67.3%-€49,176below the sector's middle half▼ 9.5%
Solvency-19.3%below the sector's middle half▲ 2.7pp-25.1%below the sector's middle half▼ 5.8pp-27.0%below the sector's middle half▼ 1.9pp-142.1%below the sector's middle half▼ 115.1pp-168.5%below the sector's middle half▼ 26.4pp
Current ratio0.08below the sector's middle half▲ 0.050.09below the sector's middle half▲ 0.010.16below the sector's middle half▲ 0.070.41below the sector's middle half▲ 0.250.37below the sector's middle half▼ 0.04
Return on assets (ROA)3.2%within the sector's middle half▲ 2.6pp-5.1%below the sector's middle half▼ 8.3pp-1.7%below the sector's middle half▲ 3.3pp44.7%above the sector's middle half▲ 46.5pp-14.7%below the sector's middle half▼ 59.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,240 in 2025 against €10,835 in 2024; the loss shrinks.
Key figures and ratios
Debt to equity
-1.59▲
2024 · -1.70
Debt ≤ 1 year
€78,352▲
2024 · €76,477
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,940 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,129 | €12,129 | €11,117 | - | - | - |
| Other operating charges640/8 | €675 | €3,138 | €457 | €2,014 | €1,666 | ▼ 17.3% |
| Gross operating margin9900 | €28,785 | €14,789 | €11,841 | -€8,821 | -€5,575 | ▲ 36.8% |
| Operating profit (loss)9901 | €15,981 | -€478 | €267 | -€10,835 | -€7,240 | ▲ 33.2% |
| Financial income75/76B | - | - | - | €38,665 | €3,000 | ▼ 92.2% |
| Recurring financial income75 | - | - | - | €38,665 | €3,000 | ▼ 92.2% |
| Non-recurring financial income76B | - | - | - | €38,665 | - | - |
| Financial charges65/66B | €8,572 | €10,699 | €4,080 | €13,699 | €45 | ▼ 99.7% |
| Recurring financial charges65 | €8,572 | €10,699 | €4,030 | €13,699 | €45 | ▼ 99.7% |
| Non-recurring financial charges66B | - | - | €50 | - | - | - |
| Profit (loss) for the period before taxes9903 | €7,409 | -€11,177 | -€3,813 | €14,131 | -€4,285 | ▼ 130% |
| Profit (loss) for the period9904 | €7,409 | -€11,177 | -€3,813 | €14,131 | -€4,285 | ▼ 130% |
| Profit (loss) for the period to be appropriated9905 | €7,409 | -€11,177 | -€3,813 | €14,131 | -€4,285 | ▼ 130% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €227,988 | €219,601 | €218,554 | €31,586 | €29,177 | ▼ 7.6% |
| Fixed assets21/28 | €218,271 | €206,143 | €191,926 | - | - | - |
| Tangible fixed assets22/27 | €215,171 | €203,043 | €191,926 | - | - | - |
| Land and buildings22 | €207,067 | €199,497 | €191,926 | - | - | - |
| Furniture and vehicles24 | €8,104 | €3,546 | - | - | - | - |
| Financial fixed assets28 | €3,100 | €3,100 | - | - | - | - |
| Current assets29/58 | €9,717 | €13,458 | €26,628 | €31,586 | €29,177 | ▼ 7.6% |
| Amounts receivable within one year40/41 | €9,435 | €13,458 | €26,451 | €31,577 | €28,932 | ▼ 8.4% |
| Trade receivables40 | - | - | - | €3,164 | - | - |
| Other amounts receivable41 | €9,435 | €13,458 | €26,451 | €28,413 | €28,932 | ▲ 1.8% |
| Cash at bank and in hand54/58 | €282 | - | €15 | €9 | €244 | ▲ 2,716% |
| Deferred charges and accrued income490/1 | - | - | €162 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €227,988 | €219,601 | €218,554 | €31,586 | €29,177 | ▼ 7.6% |
| Equity10/15 | -€44,032 | -€55,209 | -€59,022 | -€44,891 | -€49,176 | ▼ 9.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€50,232 | -€61,409 | -€65,222 | -€51,091 | -€55,376 | ▼ 8.4% |
| Amounts payable17/49 | €272,020 | €274,810 | €277,576 | €76,477 | €78,352 | ▲ 2.5% |
| Amounts payable after more than one year17 | €152,487 | €131,132 | €113,678 | - | - | - |
| Financial debts170/4 | €152,487 | €131,132 | €113,678 | - | - | - |
| Amounts payable within one year42/48 | €119,533 | €143,678 | €163,898 | €76,477 | €78,352 | ▲ 2.5% |
| Current portion of amounts payable after more than one year42 | €21,370 | €23,703 | €25,393 | - | - | - |
| Financial debts43 | - | €16 | - | - | - | - |
| Credit institutions430/8 | - | €16 | - | - | - | - |
| Trade debts44 | €9,046 | €14,206 | €20,562 | €1,501 | €82 | ▼ 94.5% |
| Suppliers440/4 | €9,046 | €14,206 | €20,562 | €1,501 | €82 | ▼ 94.5% |
| Taxes, remuneration and social security45 | €16,443 | €741 | €741 | €846 | €860 | ▲ 1.6% |
| Taxes450/3 | €16,443 | €741 | €741 | €846 | €860 | ▲ 1.6% |
| Other amounts payable47/48 | €72,674 | €105,012 | €117,202 | €74,130 | €77,411 | ▲ 4.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,409 | -€11,177 | -€3,813 | €14,131 | -€4,285 | ▼ 130% |
| + Depreciation and write-downs630 | €12,129 | €12,129 | €11,117 | - | - | - |
| Operating cash flow (approximation) | €19,538 | €952 | €7,304 | €14,131 | -€4,285 | ▼ 130% |
| Investment in fixed assets (approximation) | - | -€1 | €3,100 | - | - | - |
| Change in cash | - | - | - | -€6 | €236 | ▲ 3,821% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €14,131
Net result €14,131 after 2 loss-making years.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet -€11,177
Net result drops to -€11,177, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 216 days late
30-09
Financial
Back to profitnet €1,574
Net result €1,574 after one loss-making year.
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 161 days late
04-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 308 days late
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Dinant · 1 establishment unit since 2013
Ground area
3,427 m²
Building footprint
299 m²
Volume, LiDAR
2,284 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Kubimo
since 20132.215.106.153
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91243C0220/00L000 | Wallonia | 2,327 m² | 1 · 144 m² | 9.9 m · 3 fl. |
| 91034B0100/00D002 | Wallonia | 1,100 m² | 1 · 155 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-11-2012
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Contact
E-mail
christophe.tumerelle@gmail.comDinant
Phone
0479/293827Dinant
E-invoicing
Reachable via Peppol
Peppol ID
0208:0501655591
Also
9925:BE0501655591
Registered
24-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.