Active BE 0784.760.781Private limited company

KUMU GROUP

Terbekehofdreef 43a ·2610 Antwerpen, Belgium· 4 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

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 29% of 3139 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€154k
Net result	€26k
Better than sector	29%
Active	4 yrs

Snowflake analysis 4 of 5 axes measured · computed by Checked

70 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 85

Solvency 49

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

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.

Financial overview3 NBB filings

Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~21.7%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	25.7%	52.5%	better than 29% of 3139 sector peers
Net result	€26k	€32k	better than 45% of 3135 sector peers
Equity	€154k	€75k	better than 70% of 3140 sector peers
Gross operating margin	€49k	€52k	better than 48% of 3132 sector peers
Total assets	€600k	€192k	better than 80% of 3141 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€26k

-11.4% 22-24

Total assets

€600k

+82.6% 22-24

Equity

€154k

+20.4% 22-24

Income taxes

€16k

+11.0% 22-24

Debt

€446k

+122.4% 22-24

Debt ≤ 1y

€407k

+216.2% 22-24

Solvency

25.7%

-34.1% 22-24

ROE

16.9%

-26.4% 22-24

ROA

4.4%

-51.5% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€26k
Cash flow	n/a
Staff costs	-
Income taxes	€16k
Dividends	-
Total assets	€600k
Equity	€154k
Debt	€446k
of which ≤ 1y	€407k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	25.7%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	4.4%
ROE	16.9%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €8k · 1.4% Current assets €592k · 98.6%

Equity & liabilities

Equity €154k · 25.7% Debt €446k · 74.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€600k
Fixed assets	21/28	€8k
Financial fixed assets	28	€8k
Current assets	29/58	€592k
Amounts receivable within one year	40/41	€40k
Cash & bank	54/58	€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€600k
Equity	10/15	€154k
Contributions / capital	10/11	€8k
Reserves	13	€147k
Accumulated profits (losses)	14	€192
Amounts payable	17/49	€446k
Amounts payable within one year	42/48	€407k
Trade debts payable within one year	44	€38k
Income statement
Gross operating margin	9900	€49k
Operating result	9901	€39k
Financial income	75	€6k
Financial charges	65	€3k
Result before taxes	9903	€42k
Income taxes	67/77	€16k
Net result for the period	9904	€26k
Result to be appropriated	9905	€26k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 1 directors

Former directors (1)

Alain Geerts
Niet statutaire bestuurder
State Gazette act 26042611 (26-03-2026)

Former
- → 16-01-2026
2 events
- 16-01-2026 Resigned· Niet statutaire bestuurder
- 16-01-2026 Resigned· Persoon belast met dagelijks bestuur

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	12-04-2022
Status	Active
Postal code	2610

Establishment units 1 location

KUMU GROUP

Terbekehofdreef 43a, 2610 AntwerpenAlgemene bouw van residentiële gebouwen

since 20222.330.407.974

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

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.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

26-03-2026

State Gazette act Resignations & appointments

General meeting · Director appointment · Mandate compensation

2025

29-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

29-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

22-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 4 months ago

2026

26-03-2026 4 directors appointed, 2 resigning Director changes

BV Studijo, Bestuurder
Nina Ojomo, Vaste vertegenwoordiger
BV Studijo, Dagelijks bestuur
Nina Ojomo, Vaste vertegenwoordiger
Alain Geerts, Niet-statutair bestuurder
Alain Geerts, Dagelijks bestuur

Original publication ↗

Technical details

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2022

14-04-2022 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

KUMU GROUP

Registered office

Terbekehofdreef 43a

2610 Antwerpen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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