Kumite
ActiveSummary
The computed 12-month bankruptcy probability of Kumite is 1.9% (moderate). The 2025 annual accounts show equity of €8,730 and a net result of €46,836. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 64% of 4579 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency79▲+79
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.09 against 0.21 in 2024; short-term debt: 46.2% and cash: 46% of total assets), and 46.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
53.8%
Return on assets
288.8%
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 23-03-2026, 130 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
130 d early
2024
155 d early
2023
34 d early
2022
27 d early
2021
40 d early
2020
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 71 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 21 June (4 of the last 5 filed years within 90 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€8,730
2024 · -€38,107
Total assets
€16,220▲ 55.3%
2024 · €10,443
Net result
€46,836▲ 15.4%
2024 · €40,580
Working capital
€8,180
2024 · -€38,257
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape 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-€21,183▲ 61.0%-€9,567▲ 54.8%€3,622€42,599▲ 1,076%€48,840▲ 14.6%
Net result-€23,662below the sector's middle half▲ 59.6%-€10,531below the sector's middle half▲ 55.5%€1,728within the sector's middle half€40,580above the sector's middle half▲ 2,248%€46,836above the sector's middle half▲ 15.4%
Equity-€69,883below the sector's middle half▼ 51.2%-€80,414below the sector's middle half▼ 15.1%-€78,686below the sector's middle half▲ 2.1%-€38,107below the sector's middle half▲ 51.6%€8,730below the sector's middle half
Total assets€5,155below the sector's middle half▼ 92.3%€3,449below the sector's middle half▼ 33.1%€10,799below the sector's middle half▲ 213%€10,443below the sector's middle half▼ 3.3%€16,220below the sector's middle half▲ 55.3%
Debt€75,038▼ 33.7%€83,863▲ 11.8%€89,485▲ 6.7%€48,550▼ 45.7%€7,490▼ 84.6%
Working capital-€70,033below the sector's middle half▼ 51.0%-€80,564below the sector's middle half▼ 15.0%-€78,836below the sector's middle half▲ 2.1%-€38,257below the sector's middle half▲ 51.5%€8,180within the sector's middle half
Solvency-728.7%below the sector's middle half-364.9%below the sector's middle half▲ 363.8pp53.8%within the sector's middle half▲ 418.7pp
Current ratio0.07below the sector's middle half▼ 0.520.12below the sector's middle half0.21below the sector's middle half▲ 0.092.09within the sector's middle half▲ 1.88
Return on assets (ROA)-459.0%below the sector's middle half▼ 371.4pp16.0%within the sector's middle half388.6%above the sector's middle half▲ 372.6pp288.8%above the sector's middle half▼ 99.8pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape 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 has risen four years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16,220
Fixed assets
€549 ▲ 266%
Current assets
€15,671 ▲ 52.2%
Equity and liabilities €16,220
Equity
€8,730
Debt
€7,490
Debt finances 46.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€48,988
Cash flow
€46,984
Debt to equity
0.86▲
2024 · -1.27
ROE
536.5%
Interest coverage
26.76
Debt ≤ 1 year
€7,490▼
2024 · €48,550
Income taxes
€173▼
2024 · €186
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.9% 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 26,970 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,257 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €226 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €148 | - |
| Other operating charges640/8 | €3,301 | €1,831 | €537 | €1,078 | €1,099 | ▲ 1.9% |
| Gross operating margin9900 | -€17,655 | -€7,736 | €4,159 | €43,677 | €50,086 | ▲ 14.7% |
| Operating profit (loss)9901 | -€21,183 | -€9,567 | €3,622 | €42,599 | €48,840 | ▲ 14.6% |
| Financial income75/76B | €53 | - | - | - | - | - |
| Recurring financial income75 | €53 | - | - | - | - | - |
| Financial charges65/66B | €2,271 | €819 | €1,726 | €1,833 | €1,831 | ▼ 0.1% |
| Recurring financial charges65 | €2,271 | €819 | €1,726 | €1,833 | €1,831 | ▼ 0.1% |
| Profit (loss) for the period before taxes9903 | -€23,400 | -€10,386 | €1,896 | €40,766 | €47,009 | ▲ 15.3% |
| Income taxes67/77 | €261 | €145 | €168 | €186 | €173 | ▼ 7.4% |
| Profit (loss) for the period9904 | -€23,662 | -€10,531 | €1,728 | €40,580 | €46,836 | ▲ 15.4% |
| Profit (loss) for the period to be appropriated9905 | -€23,662 | -€10,531 | €1,728 | €40,580 | €46,836 | ▲ 15.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5,155 | €3,449 | €10,799 | €10,443 | €16,220 | ▲ 55.3% |
| Fixed assets21/28 | €150 | €150 | €150 | €150 | €549 | ▲ 266% |
| Tangible fixed assets22/27 | - | - | - | - | €399 | - |
| Furniture and vehicles24 | - | - | - | - | €399 | - |
| Financial fixed assets28 | €150 | €150 | €150 | €150 | €150 | = |
| Current assets29/58 | €5,005 | €3,299 | €10,649 | €10,293 | €15,671 | ▲ 52.2% |
| Amounts receivable within one year40/41 | €2,783 | €1,476 | €6,774 | €5,948 | €6,410 | ▲ 7.8% |
| Trade receivables40 | €2,398 | €1,320 | €4,887 | €5,037 | €6,058 | ▲ 20.3% |
| Other amounts receivable41 | €385 | €156 | €1,886 | €911 | €352 | ▼ 61.3% |
| Cash at bank and in hand54/58 | €938 | €949 | €1,887 | €1,378 | €7,454 | ▲ 441% |
| Deferred charges and accrued income490/1 | €1,285 | €874 | €1,988 | €2,967 | €1,807 | ▼ 39.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5,155 | €3,449 | €10,799 | €10,443 | €16,220 | ▲ 55.3% |
| Equity10/15 | -€69,883 | -€80,414 | -€78,686 | -€38,107 | €8,730 | ▲ 123% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€82,283 | -€92,814 | -€91,086 | -€50,507 | -€3,670 | ▲ 92.7% |
| Amounts payable17/49 | €75,038 | €83,863 | €89,485 | €48,550 | €7,490 | ▼ 84.6% |
| Amounts payable within one year42/48 | €75,038 | €83,863 | €89,485 | €48,550 | €7,490 | ▼ 84.6% |
| Trade debts44 | €1,054 | €981 | €984 | €4,118 | €1,860 | ▼ 54.8% |
| Suppliers440/4 | €1,054 | €981 | €984 | €4,118 | €1,860 | ▼ 54.8% |
| Taxes, remuneration and social security45 | €678 | €406 | €313 | €255 | €83 | ▼ 67.2% |
| Taxes450/3 | €678 | €406 | €313 | €255 | €83 | ▼ 67.2% |
| Other amounts payable47/48 | €73,306 | €82,476 | €88,188 | €44,177 | €5,547 | ▼ 87.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€23,662 | -€10,531 | €1,728 | €40,580 | €46,836 | ▲ 15.4% |
| + Depreciation and write-downs630 | - | - | - | - | €148 | - |
| Operating cash flow (approximation) | -€23,662 | -€10,531 | €1,728 | €40,580 | €46,984 | ▲ 15.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€547 | - |
| Change in cash | - | €11 | €938 | -€509 | €6,076 | ▲ 1,294% |
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €46,836 ▲15.4%
Operating result €48,840, net result €46,836, both a record.
31-12
Financial
Liquidity times 10current ratio 2.09
Current ratio from 0.21 to 2.09; short-term debt falls from €48,550 to €7,490.
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1,728
Net result €1,728 after 3 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Herentals · 1 establishment unit since 2019
Ground area
656 m²
Building footprint
118 m²
Volume, LiDAR
882 m³
Parcel 13026A0306/00K000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Streepstraat(MRH) 35, 2200 Herentals
since 20192.289.229.494
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13026A0306/00K000 | Flanders | 656 m² | 1 · 118 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 7,364 companies in sector 81210 we hold annual accounts for 2,741. 1,683 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
82990Other business support services
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0722735023
Also
9925:BE0722735023
Registered
25-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.