SUM SUM
ActiveThe computed 12-month bankruptcy probability of SUM SUM is 1.5% (moderate). The 2025 annual accounts show equity of €156k and a net result of €4k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 68% of 12927 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-17
Solvency71▲+13
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.74 in 2024), and 49% 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
51%
Return on assets
1.5%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
31 d early
2021
31 d early
2020
30 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
11-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€156k▲ 2.9%
2024 · €152k
2018: €26k
2019: €30k
2020: €20k
2021: €89k
2022: €104k
2023: €108k
2024: €152k
2018 → 2025
Total assets
€306k▼ 15.8%
2024 · €363k
2018: €140k
2019: €140k
2020: €237k
2021: €234k
2022: €306k
2023: €255k
2024: €363k
2018 → 2025
Net result
€4k▼ 52.8%
2024 · €9k
2018: €8k
2019: €4k
2020: €17k
2021: €69k
2022: €15k
2023: €4k
2024: €9k
2018 → 2025
Working capital
€-15k▲ 66.0%
2024 · €-44k
2018: €-56k
2019: €-59k
2020: €-69k
2021: €-3k
2022: €21k
2023: €-42k
2024: €-44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€104k▲ 16.9%€108k▲ 3.9%€152k▲ 40.1%€156k▲ 2.9%
Operating result€93k-€23k▼ 75.3%€7k▼ 71.0%€15k▲ 127%€13k▼ 17.1%
Net result€69k-€15k▼ 78.2%€4k▼ 73.3%€9k▲ 134%€4k▼ 52.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€200k▼ 15.2%
Current assets
€106k▼ 16.8%
Equity and liabilities €306k
Equity
€156k▲ 2.9%
Debt
€150k▼ 29.2%
The debt ratio falls from 58.2% to 49.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€49k▼
2024 · €50k
Cash flow
€40k▼
2024 · €44k
Solvency
51.0%▲
2024 · 41.8%
Current ratio
0.88▲
2024 · 0.74
Quick ratio
0.80▲
2024 · 0.69
Debt / equity
0.96▼
2024 · 1.39
ROE
2.8%▼
2024 · 6.2%
ROA
1.5%▼
2024 · 2.6%
Interest coverage
13.20▼
2024 · 14.06
Debt
€150k▼
2024 · €212k
Debt ≤ 1 year
€121k▼
2024 · €171k
Debt > 1 year
€28k▼
2024 · €40k
Income taxes
€4k▲
2024 · €2k
Staff costs
€397k▲
2024 · €334k
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€363k€306k▼
Fixed assets21/28€236k€200k▼
Intangible fixed assets21€79k€71k▼
Tangible fixed assets22/27€82k€54k▼
Land and buildings22€25k€16k▼
Plant, machinery and equipment23€33k€20k▼
Furniture and vehicles24€9k€6k▼
Other tangible fixed assets26€14k€12k▼
Financial fixed assets28€75k€75k=
Current assets29/58€127k€106k▼
Stocks and contracts in progress3€9k€9k▼
Stocks30/36€9k€9k▼
Amounts receivable within one year40/41€51k€52k▲
Trade receivables40€14k€18k▲
Other amounts receivable41€37k€34k▼
Cash at bank and in hand54/58€67k€16k▼
Deferred charges and accrued income490/1-€29k
Equity and liabilities
Total equity and liabilities10/49€363k€306k▼
Equity10/15€152k€156k▲
Contributions10/11€53k€53k=
Reserves13€89k€89k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€88k€88k=
Profit (loss) carried forward14€10k€14k▲
Amounts payable17/49€212k€150k▼
Amounts payable after more than one year17€40k€28k▼
Financial debts170/4€40k€28k▼
Amounts payable within one year42/48€171k€121k▼
Current portion of amounts payable after more than one year42€12k€23k▲
Financial debts43-€296
Credit institutions430/8-€296
Trade debts44€81k€39k▼
Suppliers440/4€81k€39k▼
Taxes, remuneration and social security45€59k€53k▼
Taxes450/3€22k€11k▼
Remuneration and social security454/9€37k€42k▲
Other amounts payable47/48€18k€6k▼
Accrued charges and deferred income492/3-€327
Income statement
Code20242025
Remuneration, social security and pensions62€334k€397k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€389k€458k▲
Operating profit (loss)9901€15k€13k▼
Financial income75/76B€1€10▲
Recurring financial income75€1€10▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€12k€9k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€14k▲
Profit (loss) brought forward from the previous period14P€367€10k▲
The notes to these accounts (9 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
27-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-24
- Registered-office move, Groenenborgerlaan 224, 2610 Antwerpen
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150kEq €152k ▲40.1%
7 profitable years in a row build equity to €152k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €104k ▲16.9%
5 profitable years in a row build equity to €104k.
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €69k ▲298%
Operating result €93k, net result €69k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €4k ▼47.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 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.
Directors · office · real estate
Directors
no sitting director, last change in 2020
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.
01-10-2020
Resigned as Director
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2017
Ground area
718 m²
Building footprint
266 m²
Volume, LiDAR
2,740 m³
2 parcels, Flanders · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Sum Sum
since 20172.265.267.724
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0365/00X005 | Flanders | 603 m² | 1 · 151 m² | 19.0 m · 1 fl. |
| 11811L3676/00H000 | Flanders | 115 m² | 1 · 115 m² | 20.5 m · 6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
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Of 21,633 companies in sector 56112 we hold annual accounts for 9,660. 7,116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-09-2016
Fiscal year end30-09
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.