Skip to content

KUMBA ERNEST

Active
Private limited companyfounded 2023active for 2 yearsChaussée d'Alsemberg 97, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 1002.561.910
Summary

KUMBA ERNEST has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120,384 and a net result of €44,385. Equity is growing by about 61% per year across the filed financial years. Its solvency ranks better than 17% of 20,330 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
KUMBA ERNESTActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
General medical practice
NACE 86210
1 site
Size
€786,985total assets 2025
Equity
€120,384
Profit
€44,385
Turnover not published (micro format)
Financial health
92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Accounts filed 2 days late0 of 1 deed read
Why 92raises riskLiquidity: current ratio 4.09, cash €15,270, halvedlowers riskSector: Human health activities (NACE 86)Size: total assets €786,985Figures for financial year 2025 (filed 02-08-2026)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 33% of its sector peers (NACE 86, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 40-2
equity 15.3% of total assets
Liquidity 51-8
short-term debt 12.9% · cash 1.9%
Profitability 63-20
return on assets 5.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (24,042 companies, NACE 86, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.2%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -0.2 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €11,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity ample (current ratio 4.09, compared with 1.68 in 2024, above the usual 1.5; short-term debt: 12.9% and cash: 1.9% of total assets), but 84.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro): better than 17% on solvency, 23% on liquidity, 11% on profitability and 82% on growth.

The bankruptcy probability was computed on 12-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Seven signals.
lowers riskraises riskneutral
lowers risk · Sector: Human health activities (NACE 86)
KBO
lowers risk · Size: total assets €786,985
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 4.09, cash €15,270, halved
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 02-08-2026)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 20330 sector peers (2025).
NBB · sector comparison
Position among 20330 sector peers
Solvency
better than 17%
← weakest strongest →
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 years
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-08-2026, 2 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
2 days late
2024
58 days late
2023
34 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 9 days after the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 August (3 of the last 3 filed years within 56 days of that day).
Companies Code · seven months
Where today falls in the filing period
13-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Liquidity more than doubledcurrent ratio 4.09
  3. Equity above €100,000equity €120,384 ▲56.7%

Key points

  • Caution: Among the weakest 18% on solvencysector median 63.1% · 20,330 companies 15.3% View
  • Total assets 20253 financial years filed €786,985 View
  • Active since 2023founded 22-11-2023 2 years View

By topic

Financials

Financial year
2025
Total assets
€786,985
Profit
€44,385
Solvency
15.3%
Total assets▲ 74.5%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2024
Next accounts
by 31-07-2027
  1. 27-09-2025Annual accounts filed
  2. 31-12-2024Highest result from 2023 to 2025
  3. 27-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General medical practiceNACE 86210
Founded
22-11-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what payment terms?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

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure