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Generated 02-08-2026
Active BE 0789.940.284Private limited company

Sum-y Consultancy

Eindestraat 125 ·3971 Leopoldsburg, Belgium· 3 yrs active
Sector: NACE 82100 (82100)
Conclusion Checked

The computed 12-month bankruptcy probability of Sum-y Consultancy is 0.9% (low). The 2024 annual accounts show equity of €54k and a net result of €30k. Its solvency ranks better than 19% of 3172 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €54k
Net result €30k
Better than sector 19%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health81Profitability100Solvency41Growth78Stability94
79 / 100

Exceptional profile, strong across almost every axis.

Health 81
Profitability 100
Solvency 41
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.9% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
81 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 25-07-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40kOperating result 2023: €30k€30kNet result 2023: €24k€24kOperating result 2024: €41k€41kNet result 2024: €30k€30k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 11.7% 53.8%
better than 19% of 3172 sector peers
Net result €30k €18k
better than 63% of 3171 sector peers
Equity €54k €40k
better than 59% of 3174 sector peers
Gross operating margin €54k €36k
better than 63% of 3171 sector peers
Total assets €464k €93k
better than 91% of 3177 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€51k
- far above sector median
Net profit
€30k
+24.1% far above sector median
Cash flow
€40k
- far above sector median
Total assets
€464k
+1373.3% +256% vs sector
Equity
€54k
+121.6% +62% vs sector
Working capital
€67k
+172.5% far above sector median
Income taxes
€7k
+24.1% +9% vs sector
Debt
€410k
+5715.7% far above sector median
Debt ≤ 1y
€40k
+466.3% -25% vs sector
Debt > 1y
€370k
- far above sector median
Current ratio
2.67
-40.3% +192% vs sector
Quick ratio
2.67
-40.3% +192% vs sector
Solvency
11.7%
-85.0% -51% vs sector
Debt / equity
7.57
+2524.6% +96% vs sector
ROE
54.9%
-44.0% far above sector median
ROA
6.4%
-91.6% far above sector median
Interest coverage
14.06
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€51k
Net profit€30k
Cash flow€40k
Staff costs-
Income taxes€7k
Dividends-
Total assets€464k
Equity€54k
Debt€410k
of which ≤ 1y€40k
of which > 1y€370k
Working capital€67k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.67
Quick ratio2.67
Working capital ratio14.4%
Solvency11.7%
Debt / equity7.57
Long-term debt ratio6.83
Interest coverage14.06
Gross margin-
Net margin-
ROA6.4%
ROE54.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€464k
Fixed assets 21/28€358k
Tangible fixed assets 22/27€358k
Current assets 29/58€107k
Amounts receivable within one year 40/41€976
Cash & bank 54/58€106k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€464k
Equity 10/15€54k
Contributions / capital 10/11€500
Reserves 13€54k
Amounts payable 17/49€410k
Amounts payable after one year 17€370k
Amounts payable within one year 42/48€40k
Trade debts payable within one year 44€326
Income statement
Gross operating margin 9900€54k
Operating result 9901€41k
Financial income 75€0
Financial charges 65€4k
Result before taxes 9903€37k
Income taxes 67/77€7k
Net result for the period 9904€30k
Result to be appropriated 9905€30k
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Ratios computed by Checked.
Legal Structure
NACE primary 82100
Legal form Private limited company(610)
Incorporation24-08-2022
StatusActive
Postal code3971
Establishment units 1 location
Sum-y Consultancy
Koerselsebaan 19, 3550 Heusden-ZolderOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 20222.334.641.728
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71025A1194/00N002 Flanders 5,383 m² 1 · 1,902 m² -
71023A1352/00C000 Flanders 835 m² 1 · 184 m² -
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.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
25-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
01-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
21-06-2024
State Gazette act Director changes
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
21-06-2024 2 directors appointed Director changes
  • Arslan Hamdi, Bestuurder
  • Hamdi Arsian, Bestuurder
Technical details 
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    {
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      "role": "bestuurder",
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        "name": "Arslan Hamdi",
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      "reason": null,
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      "evidence_quote": "Om de heer Arslan Hamdi te benoemen als bijkomend bestuurder vanaf heden.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "director_in",
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      "reason": null,
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      "evidence_quote": "Toetredend bestuurder",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
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    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2024-06-12",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-04-17",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0789.940.284",
    "name_full": "SUM-Y CONSULTANCY",
    "legal_form": "BESLOTEN VENNOOTSCHAP"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Fotokopiëren, documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren82190Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL Sum-y Consultancy
Registered office
Eindestraat 125
3971 Leopoldsburg, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative