Qumas
ActiveQumas has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277k and a net result of €85k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 8.54 against 7.36 in 2024; short-term debt: 11.1% and cash: 49.3% of total assets), and 11.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
88.9%
Return on assets
27.4%
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 26-05-2026, 66 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
66 d early
2024
7 d early
2023
54 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€277k▲ 44.6%
2024 · €192k
2023: €117k
2024: €192k
2023 → 2025
Total assets
€312k▲ 39.5%
2024 · €223k
2023: €164k
2024: €223k
2023 → 2025
Net result
€85k▲ 13.2%
2024 · €76k
2023: €116k
2024: €76k
2023 → 2025
Working capital
€261k▲ 37.2%
2024 · €191k
2023: €120k
2024: €191k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€117k-€192k▲ 63.9%€277k▲ 44.6%
Operating result€150k-€93k▼ 37.9%€104k▲ 11.3%
Net result€116k-€76k▼ 35.0%€85k▲ 13.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €312k
Fixed assets
€16k▲ 436%
Current assets
€296k▲ 34.3%
Equity and liabilities €312k
Equity
€277k▲ 44.6%
Debt
€35k▲ 8.9%
The debt ratio falls from 14.2% to 11.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€105k▲
2024 · €94k
Cash flow
€86k▲
2024 · €76k
Solvency
88.9%▲
2024 · 85.8%
Current ratio
8.54▲
2024 · 7.36
Quick ratio
8.54▲
2024 · 7.36
Debt / equity
0.13▼
2024 · 0.17
ROE
30.9%▼
2024 · 39.4%
ROA
27.4%▼
2024 · 33.8%
Interest coverage
666.20▲
2024 · 289.67
Debt
€35k▲
2024 · €32k
Debt ≤ 1 year
€35k▲
2024 · €30k
Income taxes
€24k▲
2024 · €20k
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€223k€312k▲
Fixed assets21/28€3k€16k▲
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Financial fixed assets28-€14k
Current assets29/58€221k€296k▲
Amounts receivable after more than one year29€118k€133k▲
Other amounts receivable291€118k€133k▲
Amounts receivable within one year40/41€2k€9k▲
Other amounts receivable41€2k€9k▲
Cash at bank and in hand54/58€100k€154k▲
Equity and liabilities
Total equity and liabilities10/49€223k€312k▲
Equity10/15€192k€277k▲
Contributions10/11€2k€2k=
Reserves13€190k€276k▲
Tax-exempt reserves132€42k€42k=
Distributable reserves133€148k€233k▲
Amounts payable17/49€32k€35k▲
Amounts payable after more than one year17€2k-
Other amounts payable178/9€2k-
Amounts payable within one year42/48€30k€35k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€28k€32k▲
Taxes450/3€28k€32k▲
Other amounts payable47/48€601-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€575€856▲
Other operating charges640/8€970€1k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€98k€106k▲
Operating profit (loss)9901€93k€104k▲
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€324€157▼
Recurring financial charges65€324€157▼
Profit (loss) for the period before taxes9903€95k€109k▲
Income taxes67/77€20k€24k▲
Profit (loss) for the period9904€76k€85k▲
Profit (loss) for the period to be appropriated9905€76k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€85k▲
Transfer to equity691/2€75k€85k▲
To other reserves6921€75k€85k▲
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
The notes to these accounts (6 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €277k ▲44.6%
3 profitable years in a row build equity to €277k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €76k ▼35%
Net result drops to €76k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €192k ▲63.9%
2 profitable years in a row build equity to €192k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wortegem-Petegem · 1 establishment unit since 2023
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.
Waregemseweg (W.) 989790 Wortegem-PetegemGround area
525 m²
Building footprint
186 m²
Volume, LiDAR
834 m³
Parcel 45055C0113/00H000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Qumas
since 20232.342.235.739
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055C0113/00H000 | Flanders | 525 m² | 1 · 186 m² | 6.7 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.
Similar companies · same sector, comparable size
Els De Groote
BE 0871.769.484
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Peter Marx, Advocaat
BE 0877.126.854
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CHRIS VANDEBROECK
BE 0839.142.050
Leuven · Eq €277k
Cabinet d'avocat Marc GILSON
BE 0827.410.988
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JOHAN MOMMAERTS
BE 0861.608.042
Herent · Eq €277k
Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 6,863 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2023
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.