KUM TECHNIC
ActiveKUM TECHNIC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €984k and a net result of €-138k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 2002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-36
Solvency67▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.61 in 2024; short-term debt: 29.9% and cash: 0.8% of total assets), but 58% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42%
Return on assets
-5.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
28 d early
2023
27 d early
2022
4 d early
2021
2 d early
2020
23 d late
2019
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.16M
EBIT margin
8.7%
Net result
€-138k
2024 · €33k
2018: €23k
2019: €-1k
2020: €1.07M
2021: €233k
2022: €-329k
2023: €-9k
2024: €33k
2018 → 2025
Working capital
€497k▼ 17.8%
2024 · €604k
2018: €59k
2019: €63k
2020: €451k
2021: €676k
2022: €304k
2023: €379k
2024: €604k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.16M-
Equity€1.67M-€1.27M▼ 24.4%€1.18M▼ 7.0%€1.17M▼ 0.6%€984k▼ 15.9%
Operating result€188k-€-392k€-57k▲ 85.4%€-1k▲ 97.8%€-155k▼ 12,270%
Net result€233k-€-329k€-9k▲ 97.4%€33k€-138k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €155k in 2025 against €1k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€1.14M▼ 10.6%
Current assets
€1.20M▼ 25.2%
Equity and liabilities €2.34M
Equity
€984k▼ 15.9%
Debt
€1.36M▼ 20.6%
The debt ratio falls from 59.4% to 58.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€91k▼
2024 · €289k
Cash flow
€107k▼
2024 · €323k
Solvency
42.0%▲
2024 · 40.6%
Current ratio
1.71▲
2024 · 1.61
Quick ratio
0.51▼
2024 · 0.66
Debt / equity
1.38▼
2024 · 1.46
ROE
-14.0%▼
2024 · 2.8%
ROA
-5.9%▼
2024 · 1.1%
Interest coverage
1.71▼
2024 · 5.05
Debt
€1.36M▼
2024 · €1.71M
Debt ≤ 1 year
€700k▼
2024 · €995k
Debt > 1 year
€652k▼
2024 · €713k
Staff costs
€389k▲
2024 · €387k
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€2.88M€2.34M▼
Fixed assets21/28€1.28M€1.14M▼
Intangible fixed assets21€14k€8k▼
Tangible fixed assets22/27€1.00M€874k▼
Land and buildings22€712k€735k▲
Plant, machinery and equipment23€148k€124k▼
Furniture and vehicles24€32k€11k▼
Other tangible fixed assets26€113k€4k▼
Financial fixed assets28€261k€261k=
Current assets29/58€1.60M€1.20M▼
Stocks and contracts in progress3€947k€840k▼
Stocks30/36€947k€840k▼
Amounts receivable within one year40/41€628k€325k▼
Trade receivables40€628k€325k▼
Other amounts receivable41€8€2▼
Cash at bank and in hand54/58€11k€18k▲
Deferred charges and accrued income490/1€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€2.88M€2.34M▼
Equity10/15€1.17M€984k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€1.06M€923k▼
Investment grants15€101k€53k▼
Amounts payable17/49€1.71M€1.36M▼
Amounts payable after more than one year17€713k€652k▼
Financial debts170/4€713k€652k▼
Amounts payable within one year42/48€995k€700k▼
Current portion of amounts payable after more than one year42€195k€211k▲
Financial debts43€489k€325k▼
Credit institutions430/8€489k€325k▼
Trade debts44€119k€24k▼
Suppliers440/4€119k€24k▼
Taxes, remuneration and social security45€65k€71k▲
Taxes450/3€24k€42k▲
Remuneration and social security454/9€42k€28k▼
Other amounts payable47/48€127k€69k▼
Accrued charges and deferred income492/3€1k€5k▲
Income statement
Code20242025
Non-recurring operating income76A-€14k
Remuneration, social security and pensions62€387k€389k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€290k€245k▼
Other operating charges640/8€9k€11k▲
Gross operating margin9900€685k€490k▼
Operating profit (loss)9901€-1k€-155k▼
Financial income75/76B€92k€69k▼
Recurring financial income75€92k€69k▼
Financial charges65/66B€57k€53k▼
Recurring financial charges65€57k€53k▼
Profit (loss) for the period before taxes9903€33k€-138k▼
Profit (loss) for the period9904€33k€-138k▼
Profit (loss) for the period to be appropriated9905€33k€-138k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.06M€923k▼
Profit (loss) brought forward from the previous period14P€1.03M€1.06M▲
Social balance
Average headcount (FTE)90875.86.0▲
The notes to these accounts (20 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-329k ▼241%
Net result drops to €-329k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €1.07M
Net result €1.07M after one loss-making year.
31-12
Financial
Equity above €1MEq €1.14M ▲1442%
Equity rises from €74k to €1.14M.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Marche-en-Famenne · 3 establishment units since 2011
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.
Marloie, Al Copette 96900 Marche-en-FamenneGround area
1.5 ha
Building footprint
3,443 m²
2 parcels, Wallonia. Linked by address, not a title deed.
3 establishment units
Marloie, Rue de la Croix Bande 13, 6900 Marche-en-Famenne
since 20112.203.118.339
Kum Technic
since 20192.330.897.924
KUM TECHNIC
since 20222.330.898.023
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83053D0121/00M000 | Wallonia | 1.3 ha | 1 · 2,522 m² | - |
| 91101E0416/00R002 | Wallonia | 2,207 m² | 1 · 921 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 2
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
PLANTEC
BE 0428.825.122
Oostende · Eq €985k
GEP Watermanagement
BE 0641.742.892
Kortrijk · Eq €986k
DG&P Architecten
BE 0435.291.557
Dendermonde · Eq €982k
SCALIAN BENELUX
BE 0566.940.749
Watermaal-Bosvoorde · Eq €986k
LOBELLE STUDIEBUREAU
BE 0421.049.086
Brugge · Eq €982k
Of 11,554 companies in sector 71121 we hold annual accounts for 6,561. 3,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2011
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
71121Engineering and related technical consultancy, excluding land surveyors
33200Installation of industrial machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:fdece@kumtechnic.be
Phone:+32497388862
Phone:0497/388862
Phone:+32496400700