Equity
€77,083 ▼ 18.1%
MALCOLM DUMMA paid out €38,628 in dividends. That is 179% of the 2025 profit.
MALCOLM DUMMA
Lifetime
18 annual accounts with figures on one time axisGross marginpeak €86,435 (2008)
€36,174▲ 48.8%
Resultlowest -€10,636 (2017)
€21,537▲ 135%
Equitypeak €133,253 (2012)
€77,083▼ 18.1%
Debts
€58,815▲ 248%
Board1 name since 2023
1 directorDUMMA Malcolm
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €24,313 to €36,174Result from €9,156 to €21,537Dividend €38,628Equity from €94,174 to €77,083Debts from €16,913 to €58,815
Key points
from the 2025 annual accountsChecked score
53
Fair
Financially stronger than 48% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.2%
01-2025: 2.2%● unchanged vs 12-2024
02-2025: 2.2%● unchanged vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.3%▲ +0.1 percentage points vs 03-2025
05-2025: 2.5%▲ +0.2 percentage points vs 04-2025
06-2025: 2.8%▲ +0.3 percentage points vs 05-2025
07-2025: 2.8%● unchanged vs 06-2025
08-2025: 3.9%▲ +1.1 percentage points vs 07-2025
09-2025: 4.8%▲ +0.9 percentage points vs 08-2025
10-2025: 1.8%▼ -3.0 percentage points vs 09-2025lowest value
11-2025: 1.9%▲ +0.1 percentage points vs 10-2025
12-2025: 2.9%▲ +1.0 percentage point vs 11-2025
01-2026: 6.0%▲ +3.1 percentage points vs 12-2025
02-2026: 6.0%● unchanged vs 01-2026
03-2026: 6.3%▲ +0.3 percentage points vs 02-2026highest value
04-2026: 6.0%▼ -0.3 percentage points vs 03-2026
05-2026: 6.0%● unchanged vs 04-2026
06-2026: 3.7%▼ -2.3 percentage points vs 05-2026
07-2026: 3.7%● unchanged vs 06-2026
08-2026: 5.2%▲ +1.5 percentage points vs 07-2026
09-2026: 2.2%▼ -3.0 percentage points vs 08-2026
10-2026: 2.2%● unchanged vs 09-2026
11-2026: 2.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 28 days late; 2 of the last 3 accounts late
Liquidity: current ratio 2.31
lowers risk
Size: total assets €135,898
Founded in 2007
Calculation
The band follows from the bankruptcy probability. 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 (no NACE code, micro). It does better than 49% of them on solvency, 55% on liquidity, 71% on profitability and 18% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as MALCOLM DUMMA has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of MALCOLM DUMMA itself is higher: 2.2% within 12 months. It rests on far more data about MALCOLM DUMMA than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for MALCOLM DUMMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.31 (6.55 in 2024), above the usual 1.5. Short-term debt is 43.3% of total assets. 43.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 days late
2024
293 days late
2023
58 days late
2022
16 days late
2021
119 days late
2020
9 days late
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 75 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 28 September (4 of the last 5 accounts filed within 60 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0892064062
Registered office moved to Tournai
New registered office: rue de Breuze 7, 7540 Tournai · Change of role: DUMMA Malcolm, from manager to director · “La société a actuellement pour objet la pratique de soins infirmiers dans tout établissement hospitalier belge…” (deed in French) · Gazette deed
Incorporation
published on 24-09-2007 · Gazette deed
Official details
Source: KBO- Status
- Active since 11-09-2007Normal situation
- Activity
- “La société a actuellement pour objet la pratique de soins infirmiers dans tout établissement…” (deed in French)From the articles, 6 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- Turnover
- ≈ €150,000estimated
- Total assets
- €135,898▲ 22.3%
- Filing
- Filed on 28-08-2026
Insights on MALCOLM DUMMA
MALCOLM DUMMA files the micro format. That format states no turnover. The gross margin fell from €86,435 in 2008 to €36,174 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about MALCOLM DUMMA
- What is the company number of MALCOLM DUMMA?
- The company number of MALCOLM DUMMA is 0892.064.062. The VAT number is the same number with BE in front: BE 0892.064.062.
- Where is MALCOLM DUMMA based?
- The registered office is at Rue de Breuze 7, 7540 Tournai.Company details
- What is the legal form of MALCOLM DUMMA?
- MALCOLM DUMMA is a private limited company (BV).
- When was MALCOLM DUMMA founded?
- MALCOLM DUMMA was founded on 11-09-2007.
- Is MALCOLM DUMMA still active?
- Yes, MALCOLM DUMMA is an active enterprise in the KBO register.
- What is the turnover of MALCOLM DUMMA?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €36,174 and 2,953 comparable companies of the same size. It probably lies between €87,000 and €260,000. It is a rough estimate.Financials
- Is MALCOLM DUMMA profitable?
- In financial year 2025, MALCOLM DUMMA made a profit of €21,537.
- Where can I find the annual accounts of MALCOLM DUMMA?
- MALCOLM DUMMA filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MALCOLM DUMMA due?
- MALCOLM DUMMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.