Pumba
ActiveThe annual accounts of Pumba for fiscal year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €138k and a net result of €-143k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 4123 sector peers (fiscal year 2025). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-78
Solvency46▼-15
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.03 against 1.04 in 2024; short-term debt: 47.3% and cash: 15.3% of total assets), and 79.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
20.5%
Return on assets
-21.3%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
17 d early
2023
56 d early
2022
45 d early
2021
45 d early
2020
54 d early
2019
29 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-143k
2024 · €59k
2018: €37k
2019: €12k
2020: €110k
2021: €57k
2022: €32k
2023: €55k
2024: €59k
2018 → 2025
Working capital
€10k▼ 31.8%
2024 · €15k
2018: €-54k
2019: €-40k
2020: €-133k
2021: €-98k
2022: €-48k
2023: €31k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€134k-€167k▲ 24.1%€222k▲ 33.2%€281k▲ 26.5%€138k▼ 50.9%
Operating result€81k-€41k▼ 48.6%€79k▲ 91.4%€85k▲ 7.4%€-136k
Net result€57k-€32k▼ 43.3%€55k▲ 71.4%€59k▲ 6.3%€-143k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €136k after €85k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €672k
Fixed assets
€344k▼ 10.4%
Current assets
€328k▼ 18.3%
Equity and liabilities €672k
Equity
€138k▼ 50.9%
Debt
€534k▲ 5.9%
The debt ratio rises from 64.2% to 79.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-89k▼
2024 · €136k
Cash flow
€-96k▼
2024 · €109k
Solvency
20.5%▼
2024 · 35.8%
Current ratio
1.03▼
2024 · 1.04
Quick ratio
0.49▼
2024 · 0.60
Debt / equity
3.87▲
2024 · 1.79
ROE
-103.6%▼
2024 · 21.0%
ROA
-21.3%▼
2024 · 7.5%
Interest coverage
-12.51▼
2024 · 36.31
Debt
€534k▲
2024 · €504k
Debt ≤ 1 year
€318k▼
2024 · €386k
Debt > 1 year
€216k▲
2024 · €118k
Income taxes
€258▼
2024 · €23k
Staff costs
€228k▲
2024 · €170k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€785k€672k▼
Fixed assets21/28€384k€344k▼
Tangible fixed assets22/27€384k€344k▼
Land and buildings22€116k€104k▼
Plant, machinery and equipment23€188k€223k▲
Furniture and vehicles24€61k€3k▼
Other tangible fixed assets26€18k€14k▼
Current assets29/58€401k€328k▼
Stocks and contracts in progress3€170k€171k▲
Stocks30/36€170k€171k▲
Amounts receivable within one year40/41€45k€52k▲
Trade receivables40€9k€22k▲
Other amounts receivable41€35k€30k▼
Cash at bank and in hand54/58€184k€103k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€785k€672k▼
Equity10/15€281k€138k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€219k€76k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€40k€40k=
Distributable reserves133€174k€31k▼
Amounts payable17/49€504k€534k▲
Amounts payable after more than one year17€118k€216k▲
Financial debts170/4€118k€41k▼
Other amounts payable178/9-€175k
Amounts payable within one year42/48€386k€318k▼
Current portion of amounts payable after more than one year42€39k€14k▼
Trade debts44€236k€255k▲
Suppliers440/4€236k€255k▲
Advances received on contracts in progress46€8k-
Taxes, remuneration and social security45€66k€49k▼
Taxes450/3€25k€22k▼
Remuneration and social security454/9€41k€27k▼
Other amounts payable47/48€37k-
Income statement
Code20242025
Remuneration, social security and pensions62€170k€228k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€47k▼
Other operating charges640/8€6k€17k▲
Gross operating margin9900€312k€157k▼
Operating profit (loss)9901€85k€-136k▼
Financial income75/76B€765€179▼
Recurring financial income75€765€179▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€82k€-143k▼
Income taxes67/77€23k€258▼
Profit (loss) for the period9904€59k€-143k▼
Profit (loss) for the period to be appropriated9905€59k€-143k▼
Appropriation of the result
Profit (loss) to be appropriated9906€174k€-143k▼
Profit (loss) brought forward from the previous period14P€115k-
Transfer from equity791/2-€143k
Transfer to equity691/2€174k-
To other reserves6921€174k-
Social balance
Average headcount (FTE)90873.94.4▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-143k ▼343%
Net result drops to €-143k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €222k ▲33.2%
6 profitable years in a row build equity to €222k.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €167k ▲24.1%
5 profitable years in a row build equity to €167k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €110k ▲786%
Operating result €153k, net result €110k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Wuustwezel · 1 establishment unit since 1984
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.
Kerkplaats 122990 WuustwezelGround area
1,654 m²
Building footprint
649 m²
Volume, LiDAR
2,761 m³
Parcel 11682G0460/00P029, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Proxy Delhaize Gooreind
since 19842.023.707.040
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0460/00P029 | Flanders | 1,654 m² | 1 · 649 m² | 8.9 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWuustwezel2.023.707.040
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-12-1983
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.