PUNTMUM
ActivePUNTMUM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €5k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 3184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+9
Solvency32▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.04 in 2024; short-term debt: 18.5% and cash: 5.3% of total assets), and 93.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.9%
Return on assets
1.4%
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 12% of 3184 sector peers (2025).
NBB · sector comparisonPosition among 3184 sector peers
Solvency
better than 12%
← 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 10-08-2026, 10 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 · 7 filingsDeviation from the deadline
2025
10 d late
2024
13 d late
2023
28 d late
2022
16 d late
2021
29 d late
2020
30 d late
2019
80 d late
← 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
22-09-2026 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
€5k
2024 · €-1k
2019: €2k
2020: €-32k
2021: €53k
2022: €8k
2023: €-6k
2024: €-1k
2019 → 2025
Working capital
€32k▲ 1,284%
2024 · €2k
2019: €30k
2020: €-237k
2021: €40k
2022: €3k
2023: €-2k
2024: €2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€26k▼ 29.5%€21k▼ 21.2%€20k▼ 5.2%€25k▲ 25.1%
Operating result€55k-€18k▼ 67.1%€1k▼ 94.3%€12k▲ 1,091%€6k▼ 52.9%
Net result€53k-€8k▼ 86.0%€-6k€-1k▲ 80.6%€5k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355k
Fixed assets
€257k▼ 11.6%
Current assets
€98k▲ 55.6%
Equity and liabilities €355k
Equity
€25k▲ 25.1%
Debt
€331k▼ 1.1%
The debt ratio falls from 94.4% to 93.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €44k
Cash flow
€32k▲
2024 · €31k
Solvency
6.9%▲
2024 · 5.6%
Current ratio
1.49▲
2024 · 1.04
Quick ratio
1.26▲
2024 · 0.80
Debt / equity
13.44▼
2024 · 17.01
ROE
20.1%▲
2024 · -5.5%
ROA
1.4%▲
2024 · -0.3%
Interest coverage
4.09▲
2024 · 3.32
Debt
€331k▼
2024 · €334k
Debt ≤ 1 year
€66k▲
2024 · €61k
Debt > 1 year
€265k▼
2024 · €274k
Income taxes
€192
Staff costs
€38k▲
2024 · €7k
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€354k€355k▲
Fixed assets21/28€291k€257k▼
Tangible fixed assets22/27€290k€256k▼
Land and buildings22€248k€237k▼
Plant, machinery and equipment23€32k€16k▼
Furniture and vehicles24€9k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€63k€98k▲
Stocks and contracts in progress3€15k€15k▲
Stocks30/36€15k€15k▲
Amounts receivable within one year40/41€5k€44k▲
Trade receivables40€5k€44k▲
Cash at bank and in hand54/58€30k€19k▼
Deferred charges and accrued income490/1€13k€19k▲
Equity and liabilities
Total equity and liabilities10/49€354k€355k▲
Equity10/15€20k€25k▲
Profit (loss) carried forward14€20k€25k▲
Amounts payable17/49€334k€331k▼
Amounts payable after more than one year17€274k€265k▼
Financial debts170/4€199k€190k▼
Other amounts payable178/9€75k€75k=
Amounts payable within one year42/48€61k€66k▲
Current portion of amounts payable after more than one year42€24k€9k▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€20k€30k▲
Taxes450/3€19k€22k▲
Remuneration and social security454/9€1k€9k▲
Other amounts payable47/48€8k€19k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€27k▼
Other operating charges640/8€1k€374▼
Gross operating margin9900€52k€72k▲
Operating profit (loss)9901€12k€6k▼
Financial income75/76B€5€7k▲
Recurring financial income75€5€7k▲
Financial charges65/66B€13k€8k▼
Recurring financial charges65€13k€8k▼
Profit (loss) for the period before taxes9903€-1k€5k▲
Income taxes67/77-€192
Profit (loss) for the period9904€-1k€5k▲
Profit (loss) for the period to be appropriated9905€-1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€25k▲
Profit (loss) brought forward from the previous period14P€21k€20k▼
The notes to these accounts (8 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 10 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 13 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 1.80
Current ratio from 0.22 to 1.80; short-term debt falls from €305k to €51k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-32k ▼1609%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Merchtem · 1 establishment unit since 2009
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.
Langensteenweg 411785 MerchtemGround area
338 m²
Building footprint
99 m²
Volume, LiDAR
927 m³
Parcel 23602H0054/00N000, Flanders · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SOLUTIONS DESIGN
since 20092.175.706.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0054/00N000 | Flanders | 338 m² | 1 · 99 m² | 13.4 m · 4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 539 EUR awarded · 539 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 539 EUR | 539 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 32,746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
43320Joinery installation
47120Other non-specialised retail sale
47910Retail trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@puntmum.be