KUMU GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €154k and a net result of €26k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 26% of 9864 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
9 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€154k▲ 20.4%
2023 · €128k
2022: €99k
2023: €128k
2022 → 2024
Net result
€26k▼ 11.4%
2023 · €29k
2022: €91k
2023: €29k
2022 → 2024
Total assets
€600k▲ 82.6%
2023 · €329k
2022: €173k
2023: €329k
2022 → 2024
Solvency
25.7%▼ 13.3pp
2023 · 39.0%
2022: 57.2%
2023: 39.0%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€99k-€128k▲ 29.9%€154k▲ 20.4%
Operating result€130k-€42k▼ 67.5%€39k▼ 7.6%
Net result€91k-€29k▼ 67.7%€26k▼ 11.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 8% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €600k
Fixed assets
€8k▼ 17.0%
Current assets
€592k▲ 85.7%
Equity and liabilities €600k
Equity
€154k▲ 20.4%
Debt
€446k▲ 122%
The debt ratio rises from 61.0% to 74.3%. Equity and debt are higher.
Key figures and ratios
Solvency
25.7%▼
2023 · 39.0%
ROE
16.9%▼
2023 · 23.0%
ROA
4.4%▼
2023 · 9.0%
Debt
€446k▲
2023 · €201k
Debt ≤ 1 year
€407k▲
2023 · €129k
Income taxes
€16k▲
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€329k€600k▲
Fixed assets21/28€10k€8k▼
Financial fixed assets28€10k€8k▼
Current assets29/58€319k€592k▲
Amounts receivable after more than one year29€160k€237k▲
Trade receivables290€160k€237k▲
Amounts receivable within one year40/41€8k€40k▲
Trade receivables40€7k€16k▲
Other amounts receivable41€38€25k▲
Cash at bank and in hand54/58€19k€17k▼
Deferred charges and accrued income490/1€132k€299k▲
Equity and liabilities
Total equity and liabilities10/49€329k€600k▲
Equity10/15€128k€154k▲
Contributions10/11€8k€8k=
Reserves13€121k€147k▲
Distributable reserves133€121k€147k▲
Profit (loss) carried forward14€171€192▲
Amounts payable17/49€201k€446k▲
Amounts payable within one year42/48€129k€407k▲
Trade debts44€0€38k▲
Suppliers440/4€0€38k▲
Advances received on contracts in progress46€79k€310k▲
Taxes, remuneration and social security45€41k€60k▲
Taxes450/3€39k€60k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€9k€0▼
Accrued charges and deferred income492/3€72k€39k▼
Income statement
Code20232024
Other operating charges640/8€2k€10k▲
Gross operating margin9900€44k€49k▲
Operating profit (loss)9901€42k€39k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€544€3k▲
Recurring financial charges65€544€3k▲
Profit (loss) for the period before taxes9903€44k€42k▼
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€29k€26k▼
Profit (loss) for the period to be appropriated9905€29k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€26k▼
Profit (loss) brought forward from the previous period14P€102€171▲
Transfer to equity691/2€29k€26k▼
To other reserves6921€29k€26k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-03
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation10 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation10 facts ▸
- General meeting, 03/02/2026
- Director appointment, BV Studijo (niet-statutaire bestuurder)
- Mandate compensation, BV Studijo
- Permanent representative, Nina Ojomo
- Director resignation, Alain Geerts (niet-statutaire bestuurder)
- Director discharge, Alain Geerts
- Board meeting, 02/02/2026
- Director appointment, BV Studijo (persoon belast met dagelijks bestuur)
- Director resignation, Alain Geerts (persoon belast met dagelijks bestuur)
- Power of attorney, BV Integras Groep
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €26k ▼11.4%
Net result drops to €26k, the lowest in the series.
31-12
Financial
Equity above €150kEq €154k ▲20.4%
3 profitable years in a row build equity to €154k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €100kEq €128k ▲29.9%
2 profitable years in a row build equity to €128k.
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
BV Studijo
CurrentNon-statutory director · since 16-01-2026 · Legal entity · perm. rep.: Nina Ojomo
16-01-2026
BV Studijo: Appointed as Non-statutory director
16-01-2026
BV Studijo: Appointed as Persoon belast met dagelijks bestuur
16-01-2026
Alain Geerts: Resigned as Non-statutory director
16-01-2026
Alain Geerts: Resigned as Persoon belast met dagelijks bestuur
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2022
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.
Terbekehofdreef 43a2610 AntwerpenGround area
8,925 m²
Building footprint
5,812 m²
Volume, LiDAR
32,372 m³
Parcel 11463D0176/00M003, Flanders · tallest building 17.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KUMU GROUP
since 20222.330.407.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0176/00M003 | Flanders | 8,925 m² | 1 · 5,812 m² | 17.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,286 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
41001General construction of residential buildings
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.