KUMPS AGRO
ActiveKUMPS AGRO has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.48M and a net result of €32k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 37% of 640 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
48
/ 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
Profitability42▼-1
Solvency54▼-1
Growth68▼-3
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.17 in 2024; short-term debt: 66.1% and cash: 1.9% of total assets), and 71.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
28.8%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
8 d late
2022
29 d late
2021
23 d late
2020
30 d late
2019
104 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€16.48M▼ 7.3%
2024 · €17.77M
2018: €11.72M
2019: €13.12M
2020: €14.77M
2021: €16.24M
2022: €24.09M
2023: €22.70M
2024: €17.77M
2018 → 2025
EBIT margin
0.5%▼ 0.2pp
2024 · 0.7%
2018: 0.0%
2019: 0.0%
2020: -0.2%
2021: 0.2%
2022: 0.4%
2023: 0.8%
2024: 0.7%
2018 → 2025
Net result
€32k▼ 39.2%
2024 · €52k
2018: €4k
2019: €4k
2020: €-28k
2021: €24k
2022: €53k
2023: €103k
2024: €52k
2018 → 2025
Working capital
€838k▼ 3.6%
2024 · €870k
2018: €994k
2019: €1.00M
2020: €932k
2021: €932k
2022: €789k
2023: €879k
2024: €870k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16.24M-€24.09M▲ 48.3%€22.70M▼ 5.8%€17.77M▼ 21.7%€16.48M▼ 7.3%
Equity€2.24M-€2.29M▲ 2.4%€2.39M▲ 4.5%€2.44M▲ 2.2%€2.48M▲ 1.3%
Operating result€33k-€97k▲ 195%€185k▲ 90.3%€122k▼ 34.4%€81k▼ 33.8%
Net result€24k-€53k▲ 118%€103k▲ 95.0%€52k▼ 49.4%€32k▼ 39.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.59M
Fixed assets
€2.07M▼ 2.0%
Current assets
€6.51M▲ 8.6%
Equity and liabilities €8.59M
Equity
€2.48M▲ 1.3%
Debt
€6.11M▲ 7.8%
The debt ratio rises from 69.9% to 71.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€250k▼
2024 · €309k
Cash flow
€201k▼
2024 · €239k
Solvency
28.8%▼
2024 · 30.1%
Current ratio
1.15▼
2024 · 1.17
Quick ratio
0.52▼
2024 · 0.60
Debt / equity
2.47▲
2024 · 2.32
ROE
1.3%▼
2024 · 2.1%
ROA
0.4%▼
2024 · 0.6%
Interest coverage
3.70▼
2024 · 3.78
Debt
€6.11M▲
2024 · €5.67M
Debt ≤ 1 year
€5.68M▲
2024 · €5.13M
Debt > 1 year
€432k▼
2024 · €538k
Income taxes
€14k▼
2024 · €22k
Staff costs
€723k▲
2024 · €603k
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€8.11M€8.59M▲
Fixed assets21/28€2.12M€2.07M▼
Tangible fixed assets22/27€1.42M€1.38M▼
Land and buildings22€1.10M€1.05M▼
Plant, machinery and equipment23€128k€91k▼
Furniture and vehicles24€196k€235k▲
Financial fixed assets28€694k€694k=
Affiliated companies280/1€694k€694k=
Amounts receivable281€694k€694k=
Current assets29/58€6.00M€6.51M▲
Stocks and contracts in progress3€2.94M€3.55M▲
Stocks30/36€2.94M€3.55M▲
Raw materials and consumables30/31€75k€48k▼
Work in progress32€435k€225k▼
Finished goods33-€16k
Goods purchased for resale34€2.43M€3.26M▲
Amounts receivable within one year40/41€2.30M€2.21M▼
Trade receivables40€1.99M€1.93M▼
Other amounts receivable41€307k€281k▼
Cash at bank and in hand54/58€203k€164k▼
Deferred charges and accrued income490/1€551k€589k▲
Equity and liabilities
Total equity and liabilities10/49€8.11M€8.59M▲
Equity10/15€2.44M€2.48M▲
Contributions10/11€917k€917k=
Reserves13€231k€231k=
Non-distributable reserves130/1€92k€92k=
Reserves not available under the articles1311€92k€92k=
Tax-exempt reserves132€27k€27k=
Distributable reserves133€112k€112k=
Profit (loss) carried forward14€1.29M€1.33M▲
Amounts payable17/49€5.67M€6.11M▲
Amounts payable after more than one year17€538k€432k▼
Financial debts170/4€538k€432k▼
Credit institutions173€538k€432k▼
Amounts payable within one year42/48€5.13M€5.68M▲
Current portion of amounts payable after more than one year42€225k€193k▼
Financial debts43€1.39M€1.51M▲
Credit institutions430/8€1.39M€1.51M▲
Trade debts44€3.37M€3.77M▲
Suppliers440/4€3.37M€3.77M▲
Taxes, remuneration and social security45€147k€198k▲
Taxes450/3€63k€98k▲
Remuneration and social security454/9€85k€101k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Operating income70/76A€17.76M€16.29M▼
Turnover70€17.77M€16.48M▼
Change in stocks of work in progress, finished goods and contracts in progress71€-39k€-194k▼
Other operating income74€33k€12k▼
Operating charges60/66A€17.64M€16.21M▼
Goods for resale, raw materials and consumables60€15.56M€14.12M▼
Purchases600/8€15.61M€14.92M▼
Change in stocks: decrease (increase)609€-45k€-799k▼
Services and other goods61€1.18M€1.08M▼
Remuneration, social security and pensions62€603k€723k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€187k€169k▼
Other operating charges640/8€111k€118k▲
Operating profit (loss)9901€122k€81k▼
Financial income75/76B€37k€35k▼
Recurring financial income75€37k€35k▼
Income from financial fixed assets750€22k€22k=
Income from current assets751€13k€12k▼
Other financial income752/9€2k€927▼
Financial charges65/66B€84k€70k▼
Recurring financial charges65€84k€70k▼
Debt charges650€82k€68k▼
Other financial charges652/9€2k€3k▲
Profit (loss) for the period before taxes9903€74k€45k▼
Income taxes67/77€22k€14k▼
Taxes670/3€22k€14k▼
Profit (loss) for the period9904€52k€32k▼
Profit (loss) for the period to be appropriated9905€52k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.29M€1.33M▲
Profit (loss) brought forward from the previous period14P€1.24M€1.29M▲
Social balance
Average headcount (FTE)908714.313.7▼
The notes to these accounts (48 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 8 days late
2023
31-12
Financial
Highest result since 2018net €103k ▲95%
Operating result €185k, net result €103k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-28k ▼838%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 104 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Tervuren · 7 establishment units since 1981
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.
Dorpsplein 103080 TervurenGround area
4.8 ha
Building footprint
1.1 ha
Volume, LiDAR
9,023 m³
7 parcels, Flanders, Wallonia · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
7 establishment units
Dorpsplein 10, 3080 Tervuren
since 19812.021.195.136
Aarschotsesteenweg 72, 3012 Leuven
since 19882.159.495.360
Kapelstraat(OPV) 9, 3360 Bierbeek
since 20122.225.919.772
Nijvelsebaan 200, 3090 Overijse
since 20172.269.420.809
Rue du Relais(Z.-L.) 31, 1370 Jodoigne
since 20202.305.454.428
Veeweidestraat 81, 3080 Tervuren
since 20202.305.454.626
Show 1 more locations
Rue de Piétrain(Jod.) 66, 1370 Jodoigne
since 20202.305.454.527
7 parcels
Flanders
5
(71.4%)
Wallonia
2
(28.6%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23542F0616/00H000 | Flanders | 2.8 ha | 1 · 4,307 m² | - |
| 25048B0070/00W004 | Wallonia | 1.1 ha | 1 · 890 m² | 14.7 m · 2 fl. |
| 24126D0145/00A003 | Flanders | 5,957 m² | 1 · 4,864 m² | - |
| 24023A0362/00H000 | Flanders | 2,340 m² | 1 · 137 m² | 11.2 m · 2 fl. |
| 24713B0001/00E004 | Flanders | 909 m² | 1 · 139 m² | 8.4 m · 2 fl. |
| 24114B0121/00S000 | Flanders | 577 m² | 1 · 165 m² | 9.1 m · 2 fl. |
| 25114A0121/00T000 | Wallonia | 135 m² | 1 · 99 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 6
7 of 7 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 852 EUR awarded · 852 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 630 EUR | 630 EUR |
| 2023 | 1 | 222 EUR | 222 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
7 sitesTervuren2.021.195.136
Jodoigne2.305.454.527
Bierbeek2.225.919.772
Leuven2.159.495.360
Show 3 more sites
Jodoigne2.305.454.428
Overijse2.269.420.809
Tervuren2.305.454.626
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MIJTEN
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Of 122 companies in sector 10610 we hold annual accounts for 75. 45 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-09-1981
Fiscal year end31-12
Activities, NACEBEL
10610Manufacture of food products
10910Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.