MF SUMER
ActiveSummary
MF SUMER has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€5,650) and a net result of €3,043. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 4711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.57 in 2024; short-term debt: 161.6% and cash: 98.8% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-61.6%
Return on assets
33.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 4711 sector peers (2025).
NBB · sector comparisonPosition among 4711 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
130 d late
2023
21 d late
2022
25 d late
2021
5 d early
2020
26 d early
2019
83 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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 25 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€13,307▼ 72.1%
2019 · €47,700
EBIT margin
-199.7%▼ 195.5pp
2019 · -4.1%
Net result
€3,043▼ 74.0%
2024 · €11,701
Working capital
-€5,650▲ 37.5%
2024 · -€9,034
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service 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
Turnover
Operating result€766€8,721▲ 1,038%€15,642▲ 79.4%€11,747▼ 24.9%€3,114▼ 73.5%
Net result€731within the sector's middle half€8,674within the sector's middle half▲ 1,086%€15,596above the sector's middle half▲ 79.8%€11,701within the sector's middle half▼ 25.0%€3,043within the sector's middle half▼ 74.0%
EBIT margin
Equity-€44,663below the sector's middle half▲ 20.4%-€35,989below the sector's middle half▲ 19.4%-€20,394below the sector's middle half▲ 43.3%-€8,693below the sector's middle half▲ 57.4%-€5,650below the sector's middle half▲ 35.0%
Total assets€13,133below the sector's middle half▲ 111%€4,243below the sector's middle half▼ 67.7%€9,442below the sector's middle half▲ 123%€12,312below the sector's middle half▲ 30.4%€9,165below the sector's middle half▼ 25.6%
Debt€57,796▼ 7.2%€40,232▼ 30.4%€29,836▼ 25.8%€21,005▼ 29.6%€14,815▼ 29.5%
Working capital-€44,663below the sector's middle half▲ 20.4%-€37,237below the sector's middle half▲ 16.6%-€21,186within the sector's middle half▲ 43.1%-€9,034within the sector's middle half▲ 57.4%-€5,650within the sector's middle half▲ 37.5%
Solvency-340.1%below the sector's middle half▲ 563.1pp-216.0%below the sector's middle half-70.6%below the sector's middle half▲ 145.4pp-61.6%below the sector's middle half▲ 9.0pp
Current ratio0.23below the sector's middle half▲ 0.130.29below the sector's middle half0.57within the sector's middle half▲ 0.280.62within the sector's middle half▲ 0.05
Return on assets (ROA)5.6%within the sector's middle half▲ 437.7pp165.2%above the sector's middle half95.0%above the sector's middle half▼ 70.1pp33.2%above the sector's middle half▼ 61.8pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service 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 fallen two years in a row; 2025 is 73% below 2024.
Key figures and ratios
EBITDA
€3,455▼
2024 · €12,198
Cash flow
€3,384▼
2024 · €12,152
Debt to equity
-2.62▼
2024 · -2.42
Interest coverage
48.99▼
2024 · 263.34
Debt ≤ 1 year
€14,815▼
2024 · €21,005
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
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 3,640 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 | €2,875 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €17,231 | €4,773 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €119 | €455 | €451 | €341 | ▼ 24.3% |
| Other operating charges640/8 | €101 | €198 | €109 | €118 | €310 | ▲ 163% |
| Gross operating margin9900 | €867 | €9,037 | €33,438 | €17,089 | €3,765 | ▼ 78.0% |
| Operating profit (loss)9901 | €766 | €8,721 | €15,642 | €11,747 | €3,114 | ▼ 73.5% |
| Financial charges65/66B | €35 | €47 | €46 | €46 | €71 | ▲ 52.2% |
| Recurring financial charges65 | €35 | €47 | €46 | €46 | €71 | ▲ 52.2% |
| Profit (loss) for the period before taxes9903 | €731 | €8,674 | €15,596 | €11,701 | €3,043 | ▼ 74.0% |
| Profit (loss) for the period9904 | €731 | €8,674 | €15,596 | €11,701 | €3,043 | ▼ 74.0% |
| Profit (loss) for the period to be appropriated9905 | €731 | €8,674 | €15,596 | €11,701 | €3,043 | ▼ 74.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13,133 | €4,243 | €9,442 | €12,312 | €9,165 | ▼ 25.6% |
| Fixed assets21/28 | - | €1,247 | €792 | €341 | - | - |
| Tangible fixed assets22/27 | - | €1,247 | €792 | €341 | - | - |
| Furniture and vehicles24 | - | €1,247 | €792 | €341 | - | - |
| Current assets29/58 | €13,133 | €2,996 | €8,650 | €11,971 | €9,165 | ▼ 23.4% |
| Amounts receivable within one year40/41 | €260 | €377 | €377 | €562 | €113 | ▼ 79.9% |
| Trade receivables40 | - | - | - | €186 | €113 | ▼ 39.1% |
| Other amounts receivable41 | €260 | €377 | €377 | €377 | - | - |
| Cash at bank and in hand54/58 | €12,873 | €2,619 | €8,273 | €11,409 | €9,052 | ▼ 20.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13,133 | €4,243 | €9,442 | €12,312 | €9,165 | ▼ 25.6% |
| Equity10/15 | -€44,663 | -€35,989 | -€20,394 | -€8,693 | -€5,650 | ▲ 35.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€63,263 | -€54,589 | -€38,994 | -€27,293 | -€24,250 | ▲ 11.1% |
| Amounts payable17/49 | €57,796 | €40,232 | €29,836 | €21,005 | €14,815 | ▼ 29.5% |
| Amounts payable within one year42/48 | €57,796 | €40,232 | €29,836 | €21,005 | €14,815 | ▼ 29.5% |
| Trade debts44 | €6,483 | €4,036 | €8,612 | €5,217 | €93 | ▼ 98.2% |
| Suppliers440/4 | €6,483 | €4,036 | €8,612 | €5,217 | €93 | ▼ 98.2% |
| Taxes, remuneration and social security45 | €16,591 | €1,778 | €2,008 | €3,037 | €2,790 | ▼ 8.1% |
| Taxes450/3 | €135 | €1,521 | €1,401 | €2,409 | €2,574 | ▲ 6.8% |
| Remuneration and social security454/9 | €16,456 | €256 | €608 | €629 | €216 | ▼ 65.6% |
| Other amounts payable47/48 | €34,722 | €34,418 | €19,216 | €12,751 | €11,932 | ▼ 6.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €731 | €8,674 | €15,596 | €11,701 | €3,043 | ▼ 74.0% |
| + Depreciation and write-downs630 | - | €119 | €455 | €451 | €341 | ▼ 24.3% |
| Operating cash flow (approximation) | €731 | €8,792 | €16,051 | €12,152 | €3,384 | ▼ 72.1% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | - | - |
| Change in cash | - | -€10,254 | €5,655 | €3,135 | -€2,356 | ▼ 175% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 130 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Highest result since 2018net €15,596 ▲79.8%
Operating result €15,642, net result €15,596, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €731
Net result €731 after 3 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€26,841
Net result drops to -€26,841, the lowest in the series; recovery starts the following year.
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Mortsel · 1 establishment unit since 2016
Ground area
51 m²
Building footprint
71 m²
Volume, LiDAR
637 m³
Parcel 11513C0107/00R000, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MF SUMER
since 20162.257.878.995
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0107/00R000 | Flanders | 51 m² | 1 · 71 m² | 14.1 m · 4 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.
Similar companies · same sector and region
Akkad
BE 0799.570.010
Mortsel
Dirk 6
BE 1005.300.773
Mortsel
EasyTradeCom
BE 0523.950.052
Mortsel
HAARMODE CEULEMANS
BE 0457.467.440
Mortsel
J.T. COIFFURES
BE 0825.625.891
Mortsel
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,733 companies in sector 96210 we hold annual accounts for 2,836. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0649782808
Registered
27-03-2026
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.