SHUM TEX
ActiveSHUM TEX has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €65k and a net result of €-5k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability26▼-55
Solvency91▲+5
Growth63=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.93 against 2.18 in 2023; short-term debt: 33.6% and cash: 29.7% of total assets), and 33.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
66.4%
Return on assets
-4.8%
Age of the figures
21 mo
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-02-2026, 193 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
193 d late
2023
29 d late
2022
29 d late
2021
24 d late
2020
1 d early
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€307k▲ 40.8%
2019 · €218k
2018: €232k
2019: €218k
2018 → 2020
EBIT margin
1.9%▲ 1.5pp
2019 · 0.4%
2018: 5.7%
2019: 0.4%
2018 → 2020
Net result
€-5k
2023 · €12k
2018: €13k
2019: €771
2020: €6k
2021: €5k
2022: €3k
2023: €12k
2018 → 2024
Working capital
€64k▲ 21.3%
2023 · €52k
2018: €66k
2019: €41k
2020: €47k
2021: €52k
2022: €40k
2023: €52k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€307k-
Equity€50k-€55k▲ 10.6%€58k▲ 5.1%€70k▲ 19.8%€65k▼ 6.7%
Operating result€6k-€5k▼ 5.3%€3k▼ 45.5%€13k▲ 332%€-5k
Net result€6k-€5k▼ 7.1%€3k▼ 46.8%€12k▲ 307%€-5k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €5k after €13k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €98k
Fixed assets
€2k▼ 91.3%
Current assets
€97k▼ 0.2%
Equity and liabilities €98k
Equity
€65k▼ 6.7%
Debt
€33k▼ 25.6%
The debt ratio falls from 38.9% to 33.6%. Equity and debt are lower.
Key figures and ratios
Solvency
66.4%▲
2023 · 61.1%
Current ratio
2.93▲
2023 · 2.18
Quick ratio
2.21▲
2023 · 2.17
Debt / equity
0.51▼
2023 · 0.64
ROE
-7.2%▼
2023 · 16.5%
ROA
-4.8%▼
2023 · 10.1%
Debt
€33k▼
2023 · €44k
Debt ≤ 1 year
€33k▼
2023 · €44k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€114k€98k▼
Fixed assets21/28€17k€2k▼
Financial fixed assets28€17k€2k▼
Current assets29/58€97k€97k▼
Stocks and contracts in progress3€390€24k▲
Stocks30/36€390€24k▲
Amounts receivable within one year40/41€80k€44k▼
Trade receivables40€72k€38k▼
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€16k€29k▲
Equity and liabilities
Total equity and liabilities10/49€114k€98k▼
Equity10/15€70k€65k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€49k€45k▼
Amounts payable17/49€44k€33k▼
Amounts payable within one year42/48€44k€33k▼
Trade debts44€13k€15k▲
Suppliers440/4€13k€15k▲
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€7k€7k▼
Remuneration and social security454/9€11k€7k▼
Other amounts payable47/48€13k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€132€141▲
Gross operating margin9900€14k€-4k▼
Operating profit (loss)9901€13k€-5k▼
Financial charges65/66B€136€125▼
Recurring financial charges65€136€125▼
Profit (loss) for the period before taxes9903€13k€-5k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€12k€-5k▼
Profit (loss) for the period to be appropriated9905€12k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€45k▼
Profit (loss) brought forward from the previous period14P€38k€49k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
09-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 193 days late
2024
31-12
Financial
Weakest financial yearnet €-5k ▼141%
Net result drops to €-5k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
17-02-2026
Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2016
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.
Diepestraat 252060 AntwerpenGround area
1,941 m²
Building footprint
227 m²
Volume, LiDAR
1,770 m³
2 parcels, Flanders · tallest building 15.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SHUM TEX
since 20162.250.433.553
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A1842/00S000 | Flanders | 1,430 m² | - | - |
| 11805E0495/00R027 | Flanders | 511 m² | 1 · 227 m² | 15.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| Timmermans Claire Marie L Statutory auditor | - → 09-05-2016 |
Structure & network
Connections & network
61 connected companiesNetwork connections
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Similar companies · same sector, comparable size
COMPTOIR DE REPRESENTATIONS, d'IMPORTATIONS, d'EXPORTATIONS DE TOUS ARTICLES ET OBJETS QUELCONQUES DE FANTAISIE ET STYLISES
BE 0418.454.931
Etterbeek · Eq €65k
PLAN NATIONAL
BE 0830.798.466
Heist-op-den-Berg · Eq €65k
BOETIEK DE LANGE
BE 0418.777.209
Geel · Eq €65k
Chelsea
BE 0414.800.902
Gent · Eq €66k
MARIE ET VOUS
BE 0791.292.049
Houffalize · Eq €64k
Of 2,211 companies in sector 47711 we hold annual accounts for 889. 701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2014
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
46419Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
47120Other non-specialised retail sale
47712Retail trade
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.