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NUMUS

Active
Private limited companyfounded 1995active for 31 yearsVital Decosterstraat 50/C, 3000 Leuven, BelgiumKBO/BCE: BE 0455.107.271
Summary

NUMUS has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235,847 and a net result of €46,176. Equity is growing by about 4% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
“Verzekeringsmakelaar in de ruimste zin.” (deed in Dutch)
From the articles, 12 activitiesNo NACE code in the KBO yet1 site
Size
≈ €170,000turnover 2025, estimated
Equity
€235,847
Profit
€46,176
Turnover estimated from the gross margin
Financial health
93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2025 accounts 57 days early1 of 4 deeds summarised
Why 93raises risk1 of the last 3 latelowers riskSize: total assets €436,676Liquidity: current ratio 2.18, cash €422,218Equity €235,847 (54.0% of total assets)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 43% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency 79-21
equity 54.0% of total assets
Liquidity 78-22
short-term debt 45.9% · cash 96.7%
Profitability 64-13
return on assets 10.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025highest value 10-2025: < 0.1%▼ -0.1 percentage points vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €21,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.18, above the usual 1.5; short-term debt: 45.9% and cash: 96.7% of total assets), and 46% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 47% on solvency, 71% on liquidity, 42% on profitability and 11% on growth.

The bankruptcy probability was computed on 29-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €436,676
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.18, cash €422,218
NBB · annual accounts
raises risk · 1 of the last 3 late
NBB · filings
lowers risk · Equity €235,847 (54.0% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
57 days early
2024
33 days late
2023
2 days late
2022
34 days early
2021
16 days early
2020
22 days early
2019
14 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 11 days before the deadline; the Belgian median for financial year 2024 is 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 15 July (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Liquidity more than 793 timescurrent ratio 1968.37

Financials · financial year 2025, abbreviated format

Turnover
≈ €170,000
Estimated: probably between €110,000 and €330,000
Total assets
€436,676▲ 11.8%
2024 · €390,623
Net result
€46,176▼ 24.5%
2024 · €61,131
Working capital
€236,320▼ 39.5%
2024 · €390,425
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result falls in 2025; 2025 is 25% below 2024 and is the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€61,358 2025 Net result€46,176 2025

Use the arrow keys on the chart for the figures per year.

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result€44,406-€80,683▲ 81.7%€44,233▼ 45.2%€90,543▲ 105%€81,512▼ 10.0%€78,042▼ 4.3%€82,131▲ 5.2%€61,358▼ 25.3%
Net result€44,363-€66,485▲ 49.9%€33,189▼ 50.1%€67,287▲ 103%€61,195▼ 9.1%€57,215▼ 6.5%€61,131▲ 6.8%€46,176▼ 24.5%
Equity€243,170-€309,655▲ 27.3%€342,844▲ 10.7%€410,131▲ 19.6%€471,326▲ 14.9%€328,541▼ 30.3%€389,671▲ 18.6%€235,847▼ 39.5%
Total assets€273,312-€326,336▲ 19.4%€384,586▲ 17.8%€420,416▲ 9.3%€473,110▲ 12.5%€550,911▲ 16.4%€390,623▼ 29.1%€436,676▲ 11.8%
Debt€30,142-€16,681▼ 44.7%€41,742▲ 150%€10,285▼ 75.4%€1,784▼ 82.7%€222,370▲ 125×€952▼ 99.6%€200,829▲ 211×
Working capital€264,840-€310,600▲ 17.3%€383,141▲ 23.4%€410,600▲ 7.2%€471,703▲ 14.9%€328,850▼ 30.3%€390,425▲ 18.7%€236,320▼ 39.5%
Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €436,676
Equity €235,847 ▼ 39.5%
Debt €200,829 ▲ 211×
Debt's share of the balance-sheet total rises from 0.2% to 46.0%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Current ratio
2.18
Debt to equity
0.85▲
2024 · 0.00
ROE
19.6%▲
2024 · 15.7%
ROA
10.6%▼
2024 · 15.6%
Debt ≤ 1 year
€200,356▲
2024 · €198
Income taxes
€15,581▼
2024 · €21,001
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,368 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93.5% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.5% went bankrupt
5.9% stopped otherwise
93.5% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 31,368 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€390,623€436,676▲
Current assets29/58€390,623€436,676▲
Amounts receivable within one year40/41€1,999€6,569▲
Other amounts receivable41€1,999€6,569▲
Cash at bank and in hand54/58€376,063€422,218▲
Deferred charges and accrued income490/1€12,561€7,890▼
Equity and liabilities
Total equity and liabilities10/49€390,623€436,676▲
Equity10/15€389,671€235,847▼
Contributions10/11€186,340€90,544▼
Reserves13€637€637=
Distributable reserves133€637€637=
Profit (loss) carried forward14€202,694€144,666▼
Amounts payable17/49€952€200,829▲
Amounts payable within one year42/48€198€200,356▲
Trade debts44€198€148▼
Suppliers440/4€198€148▼
Other amounts payable47/48-€200,207
Accrued charges and deferred income492/3€754€473▼
Income statement Code20242025
Other operating charges640/8€472€635▲
Gross operating margin9900€82,604€61,994▼
Operating profit (loss)9901€82,131€61,358▼
Financial income75/76B-€503
Recurring financial income75-€503
Financial charges65/66B-€105
Recurring financial charges65-€105
Profit (loss) for the period before taxes9903€82,131€61,757▼
Income taxes67/77€21,001€15,581▼
Profit (loss) for the period9904€61,131€46,176▼
Profit (loss) for the period to be appropriated9905€61,131€46,176▼
Appropriation of the result
Profit (loss) to be appropriated9906€202,694€248,870▲
Profit (loss) brought forward from the previous period14P€141,564€202,694▲
Profit to be distributed694/7-€104,204
Return on contributions (dividend)694-€104,204

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,720€2,685-------
Other operating charges640/8---€421€424€469€472€635▲ 34.5%
Gross operating margin9900€55,544€83,907€44,653€90,964€81,936€78,512€82,604€61,994▼ 25.0%
Operating profit (loss)9901€44,406€80,683€44,233€90,543€81,512€78,042€82,131€61,358▼ 25.3%
Financial income75/76B-------€503-
Recurring financial income75-------€503-
Financial charges65/66B---€55---€105-
Recurring financial charges65€43€42€50€55---€105-
Profit (loss) for the period before taxes9903€44,363€80,641€44,184€90,489€81,512€78,042€82,131€61,757▼ 24.8%
Income taxes67/77-€14,156€10,995€23,202€20,317€20,828€21,001€15,581▼ 25.8%
Profit (loss) for the period9904€44,363€66,485€33,189€67,287€61,195€57,215€61,131€46,176▼ 24.5%
Profit (loss) for the period to be appropriated9905€44,363€66,485€33,189€67,287€61,195€57,215€61,131€46,176▼ 24.5%
Line20182019202020212022202320242025Change
Assets
Total assets20/58€273,312€326,336€384,586€420,416€473,110€550,911€390,623€436,676▲ 11.8%
Fixed assets21/28€2,685--------
Tangible fixed assets22/27€2,685--------
Current assets29/58€270,627€326,336€384,586€420,416€473,110€550,911€390,623€436,676▲ 11.8%
Amounts receivable within one year40/41€150,000-€14,005€14,005€4,683€4,683€1,999€6,569▲ 229%
Other amounts receivable41---€14,005€4,683€4,683€1,999€6,569▲ 229%
Cash at bank and in hand54/58€107,344€310,576€362,348€398,599€462,144€541,073€376,063€422,218▲ 12.3%
Deferred charges and accrued income490/1---€7,812€6,283€5,155€12,561€7,890▼ 37.2%
Equity and liabilities
Total equity and liabilities10/49€273,312€326,336€384,586€420,416€473,110€550,911€390,623€436,676▲ 11.8%
Equity10/15€243,170€309,655€342,844€410,131€471,326€328,541€389,671€235,847▼ 39.5%
Contributions10/11€300,000€300,000-€300,000€300,000€186,340€186,340€90,544▼ 51.4%
Reserves13€162€637€637€637€637€637€637€637=
Non-distributable reserves130/1---€637€637----
Reserves not available under the articles1311---€637€637----
Distributable reserves133-----€637€637€637=
Profit (loss) carried forward14-€56,992€9,018€42,207€109,494€170,689€141,564€202,694€144,666▼ 28.6%
Amounts payable17/49€30,142€16,681€41,742€10,285€1,784€222,370€952€200,829▲ 211×
Amounts payable within one year42/48€5,787€15,736€1,445€9,817€1,407€222,061€198€200,356▲ 1,010×
Trade debts44€1,637€1,580€1,445€1,615€1,407€1,233€198€148▼ 25.4%
Suppliers440/4---€1,615€1,407€1,233€198€148▼ 25.4%
Taxes, remuneration and social security45---€8,202-€20,828---
Taxes450/3---€8,202-€20,828---
Other amounts payable47/48-----€200,000-€200,207-
Accrued charges and deferred income492/3---€469€377€309€754€473▼ 37.2%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904€44,363€66,485€33,189€67,287€61,195€57,215€61,131€46,176▼ 24.5%
+ Depreciation and write-downs630€10,720€2,685-------
Operating cash flow (approximation)€55,083€69,170€33,189€67,287€61,195€57,215€61,131€46,176▼ 24.5%
Change in cash-€203,232€51,772€36,251€63,545€78,928-€165,009€46,155-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Latest 10 of 30 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 abbreviated format 04-06-2026 2026-00140609
31-12-2024 abbreviated format 02-09-2025 2025-00477661
31-12-2023 abbreviated format 02-08-2024 2024-00331630
31-12-2022 abbreviated format 27-06-2023 2023-00195035
31-12-2021 abbreviated format 15-07-2022 2022-20201562
31-12-2020 abbreviated format 09-07-2021 2021-33400116
31-12-2019 abbreviated format 14-08-2020 2020-41200532
31-12-2018 abbreviated format 12-09-2019 2019-64100283
31-12-2017 abbreviated format 02-08-2018 2018-42600128
31-12-2016 abbreviated format 25-07-2017 2017-35100396

Show all 30 filings

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
under verification, last change in 2023
This board is reconstructed from a single act (23404921). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
GEENS Alexius
Director (not named in the articles)
Current
ROMAIN Jan
Director (not named in the articles)
Current
ROMAIN John
Director (not named in the articles)
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
3 of this company's 4 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.

Mandate history

3 people since 2023, 3 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
GEENS Alexius
  • Manager, until 10-10-2023
  • Director (not named in the articles), since before 10-10-2023
ROMAIN Jan
  • Manager, until 10-10-2023
  • Director (not named in the articles), since before 10-10-2023
ROMAIN John
  • Manager, until 10-10-2023
  • Director (not named in the articles), since before 10-10-2023
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
Stated in the act act of 10-10-2023 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 10-10-2023 Converted to unavailable equity · €300,000

Group and network

Connections & network

3 current directors
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 3 May 1995, NUMUS was incorporated.1 Total assets went from €273,312 in 2018 to €436,676 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
04-06
NBB filing Annual accounts filed
financial year 2025 · abbreviated format
2025
02-09
NBB filing Annual accounts filed
financial year 2024 · abbreviated format · 33 days late
2024
31-12
Financial Liquidity more than 793 timescurrent ratio 1968.37
Current ratio from 2.48 to 1968.37; short-term debt falls from €222,061 to €198.
02-08
NBB filing Annual accounts filed
financial year 2023 · abbreviated format · 2 days late
2023
10-10
Gazette deed Resignations: ROMAIN John, GEENS Alexius and ROMAIN Jan
Reappointments: ROMAIN John, GEENS Alexius and ROMAIN Jan · Purpose change · Shareholding21 facts ▸
  • General meeting, “buitengewone algemene vergadering der aandeelhouders” (deed in Dutch)
  • Purpose change
  • Other provision, “splitsing van de aandelen”, 100 (deed in Dutch)
  • Shareholding, “na splitsing”, 49900 (deed in Dutch)
  • Shareholding, “na splitsing”, 18800 (deed in Dutch)
  • Shareholding, “na splitsing”, 6300 (deed in Dutch)
  • Legal-form conversion, “besloten vennootschap” (deed in Dutch)
  • Capital conversion, “statutair onbeschikbare eigenvermogensrekening” (deed in Dutch)
  • Reserve release, “beschikbaar voor uitkering, overeenkomstig vormen en meerderheden van statutenwijziging” (deed in Dutch)
  • Other provision, “Vermindering-uitkering eigen vermogen, Zesde besluit:verdaagd,geen besluit genomen over vermindering van het eigen vermogen” (deed in Dutch)
  • Amendment of the articles
  • Director resignation, ROMAIN John (manager)
  • +9 further facts in this act
27-06
NBB filing Annual accounts filed
financial year 2022 · abbreviated format
2022
31-12
Financial Liquidity more than 7 timescurrent ratio 336.17
Current ratio from 42.83 to 336.17; short-term debt falls from €9,817 to €1,407.
15-07
NBB filing Annual accounts filed
financial year 2021 · abbreviated format
2021
31-12
Financial Highest result from 2018 to 2025net €67,287 ▲103%
Operating result €90,543, net result €67,287, both a record.
09-07
NBB filing Annual accounts filed
financial year 2020 · abbreviated format
2020
31-12
Financial Weakest financial yearnet €33,189 ▼50.1%
Net result drops to €33,189, the lowest in the series; recovery starts the following year.
31-12
Financial Liquidity more than 12 timescurrent ratio 266.13
Current ratio from 20.74 to 266.13; short-term debt falls from €15,736 to €1,445.
Show earlier events
14-08
NBB filing Annual accounts filed
financial year 2019 · abbreviated format · 14 days late
2019
12-09
NBB filing Annual accounts filed
financial year 2018 · abbreviated format · 43 days late
2018
02-08
NBB filing Annual accounts filed
financial year 2017 · abbreviated format · 2 days late
2017
25-07
NBB filing Annual accounts filed
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 30 annual accounts filed, the latest 10 are here; all 30 are under Financials.
1 of 4 deeds read
About the unread acts

Of the 4 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 3 have not 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.

Register details

Identification
Legal formPrivate limited company
Founded03-05-1995
Financial year end31-12
Contact
E-mail alex.geens@immotheker.be
Phone 016 350404
E-invoicing
Reachable via Peppol
Peppol ID 0208:0455107271
Also 9925:BE0455107271
Registered 28-07-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 1999
registered office establishment The establishment unit on the map
Ground area
1,516 m²
Building footprint
1,078 m²
Building volume
21,230 m³
2 parcels, Flanders · tallest building 37.2 m. Linked by address, not a title deed.
1 establishment unit
NUMUS
Jan Stasstraat 14, 3000 LeuvenActivities of holding companies
since 1999unit no. 2.071.622.961
2 parcels
Flanders 2 (100%)
Cadastral parcel Region Area Buildings Height / floors
24062A0808/00R000 Flanders 1,277 m² 1 · 846 m² 37.2 m · 6
24502B0244/00Z002
ProtectedTownscape or village viewBondgenotenlaanSource ↗
Flanders 239 m² 1 · 232 m² 23.1 m · 6
How the parcels are linked
Good to know
Both parcels match the address exactly.
1 of these parcels carries protected heritage: expect extra rules on renovation or sale.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Verzekeringsmakelaar in de ruimste zin; Het uitbouwen van een trainings-,advies-en studiecentrum voor het fiscaal,financieel en…” (deed in Dutch)
12 activities (deed in Dutch)
  1. Verzekeringsmakelaar in de ruimste zin.
  2. Het uitbouwen van een trainings-,advies-en studiecentrum voor het fiscaal,financieel en immobiliënbedrijf en aanverwanten.
  3. Het verwerven,ontwikkelen en commercialiseren van software,hardware en aanverwanten met het oog op hogervermeld voorwerp.
  4. Het voeren van boekhoudingen voor derden alsmede de fiscale begeleiding.
  5. De activiteit van immobiliënmakelaar.
  6. Het adviseren,negotiëren en het bemiddelen bij het afsluiten van geldleningen,financieringen,kredieten en verzekeringen aan particulieren en vennootschappen.
  7. Het adviseren en het bemiddelen bij transacties over pensioenopbouw,pensioensparen,vermogensbeheer en beleggingen in het algemeen.
  8. Het verwerven en aanhouden van participaties in bestaande,op te richten,industriële,commerciële of financiële vennootschappen of ondernemingen.
  9. Het aanleggen,uitbouwen en beheren van een roerend vermogen,inclusief alle verrichtingen met betrekking tot de roerende goederen,zoals aan-en verkoop,ruil,beheer en valorisatie van waardepapieren,obligaties en fondsen.
  10. Het aanleggen,uitbouwen en beheren van een onroerend vermogen,inclusief alle verrichtingen met betrekking tot de onroerende goederen,zoals aan-en verkoop,ruil,beheer,bouw,verbouwing,inrichting,huur en verhuur,onroerende leasing,sales-en-lease-back.
  11. Het realiseren van de doelstellingen in alle mogelijke commerciële vormen,inclusief de creatie,de realisatie,de inrichting,de installatie,het kopen,het verkopen,het verhuren,het beheren,het besturen,het in franchise geven,het in franchise nemen en het licentiëren.
  12. Studie-,advies-,opleidings-,en bemiddelingsbureau inzake verzekeringen,leningen,fiscaliteit,immobiliën,boekhoudkundige,financiële en sociale aangelegenheden,alsmede de tussenhandel in het algemeen.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
NUMUS
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaamse Gewest, bestuursorgaan mag exploitatiezetels,administratieve zetels,filialen,agentschappen en depots in België of buitenland…” (deed in Dutch)

deed of 10-10-2023

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Bestuursorgaan, 1” (deed in Dutch)

deed of 10-10-2023

Capital, shares and profit

Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Overdracht van aandelen onder levenden, vrij” (deed in Dutch)
“Overgang van aandelen bij overlijden, vrij” (deed in Dutch)

deed of 10-10-2023

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Last Friday of May at 18:00

deed of 10-10-2023

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
“Algemene vergadering oproepen, bestuursorgaan” (deed in Dutch)
“Beslissing algemene vergadering, op elk moment” (deed in Dutch)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Onder voorwaarden artikel 2:80WVV, ontbinding en sluiting vereffening in één akte” (deed in Dutch)
“Benoeming vereffenaars, bestuurders in functie op tijdstip ontbinding gelden ten aanzien van derden van rechtswege als vereffenaars indien…” (deed in Dutch)

deed of 10-10-2023

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Aandelen op naam–Register–Overdracht, steeds op naam” (deed in Dutch)
Other provision: “Uittreding, in rechte vorderen dat zijn aandelen worden overgenomen door aandeelhouders op wie redenen betrekking hebben” (deed in Dutch)
Other provision: “Uitsluiting, in rechte vorderen dat aandeelhouder zijn effecten aan eisers overdraagt” (deed in Dutch)
Other provision: “Beschikbare eigen vermogensrekening, eveneens geboekt op beschikbare eigen vermogensrekening” (deed in Dutch)
Other provision: “Nieuwe aandelen–voorkeurrecht, alle aandeelhouders kunnen afstand doen bij besluit algemene vergadering tot uitgifte” (deed in Dutch)
Other provision: “Bepaalde of reeks bepaalde rechtshandelingen, bijzondere volmachten” (deed in Dutch)
Other provision: “Strijdig belang, bestuurder of lid collegiaal bestuursorgaan” (deed in Dutch)
Other provision: “Toezicht en commissaris, ter plaatse” (deed in Dutch)
Other provision: “Bevoegdheid gewone en bijzondere algemene vergadering” (deed in Dutch)
Other provision: “Bevoegdheid buitengewone algemene vergadering” (deed in Dutch)
Other provision: “Bijeenroeping algemene vergadering, bij wet bepaalde stukken met oproepingsbrief aan aandeelhouders en verzoekende opgeroepenen” (deed in Dutch)
Other provision: “Besluiten buiten agenda en amendementen, alle punten aangekondigde agenda” (deed in Dutch)
Other provision: “Stemrecht, 1” (deed in Dutch)
Other provision: “Besluitvorming gewone en bijzondere algemene vergadering, ongeacht aantal vertegenwoordigde aandelen” (deed in Dutch)
Other provision: “Buitengewone algemene vergadering statutenwijziging, drie/vierde uitgebrachte stemmen” (deed in Dutch)
Other provision: “Schriftelijk, alle besluiten tot bevoegdheid algemene vergadering” (deed in Dutch)
Other provision: “Vennootschapsvordering en minderheidsvordering, rekening vennootschap tegen leden bestuursorgaan” (deed in Dutch)
Other provision: “Uitkeringen aan aandeelhouders en tantièmes, algemene vergadering” (deed in Dutch)
Other provision: “Vennootschap, verkrijging eigen aandelen of certificaten” (deed in Dutch)
Other provision: “Verkrijging van haar aandelen door derden of verkrijging van of inschrijving op certificaten op haar aandelen door derden, financiering…” (deed in Dutch)
Other provision: “Bestemming winst-reserve, te bestemmen winst zoals bepaald door geldend boekhoudrecht” (deed in Dutch)
Liquidation distribution: “Gelden of waarden die gelijk verdeeld kunnen worden en overgehouden goederen onder aandeelhouders naar verhouding aantal aandelen dat zij…” (deed in Dutch)
Other provision: “Dagvaardingen,betekeningen,kennisgevingen betreffende zaak van de vennootschap, keuze van woonplaats” (deed in Dutch)
Other provision: “Bemiddelingsbeding, pas daarna eventuele verdere gerechtelijke stappen” (deed in Dutch)
Other provision: “Gemeen recht, bepalingen WVV waarvan niet geldig is afgeweken worden geacht ingeschreven in huidige akte” (deed in Dutch)
2 more provisions in the deed, see the deed of 10-10-2023

deed of 10-10-2023