Suma
ActiveSuma has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €158k and a net result of €2k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 180 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability34▼-52
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 6.71 against 3.27 in 2025; short-term debt: 11.6% and cash: 0.8% of total assets), and 11.6% 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 · 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 · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
88.4%
Return on assets
1.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 31-08-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
on the day
2025
1 d early
2024
21 d late
2023
on the day
2022
20 d early
2021
6 d late
2020
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€158k▲ 1.3%
2025 · €156k
2019: €81k
2020: €90k
2021: €91k
2022: €98k
2023: €107k
2024: €128k
2025: €156k
2019 → 2026
Total assets
€179k▼ 13.8%
2025 · €208k
2019: €128k
2020: €132k
2021: €145k
2022: €143k
2023: €155k
2024: €189k
2025: €208k
2019 → 2026
Net result
€2k▼ 93.0%
2025 · €28k
2019: €4k
2020: €8k
2021: €909
2022: €7k
2023: €9k
2024: €21k
2025: €28k
2019 → 2026
Working capital
€119k▲ 2.2%
2025 · €117k
2019: €23k
2020: €38k
2021: €42k
2022: €51k
2023: €64k
2024: €86k
2025: €117k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€98k-€107k▲ 9.2%€128k▲ 19.4%€156k▲ 22.2%€158k▲ 1.3%
Operating result€7k-€8k▲ 18.3%€22k▲ 165%€28k▲ 28.2%€6k▼ 78.3%
Net result€7k-€9k▲ 25.7%€21k▲ 130%€28k▲ 37.0%€2k▼ 93.0%
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 2026; 2026 is 78% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €179k
Fixed assets
€39k▼ 1.3%
Current assets
€140k▼ 16.7%
Equity and liabilities €179k
Equity
€158k▲ 1.3%
Debt
€21k▼ 59.4%
The debt ratio falls from 24.8% to 11.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2025 · €32k
Cash flow
€3k▼
2025 · €32k
Solvency
88.4%▲
2025 · 75.2%
Current ratio
6.71▲
2025 · 3.27
Quick ratio
5.60▲
2025 · 2.79
Debt / equity
0.13▼
2025 · 0.33
ROE
1.3%▼
2025 · 18.2%
ROA
1.1%▼
2025 · 13.7%
Interest coverage
1.68▼
2025 · 9.82
Debt
€21k▼
2025 · €51k
Debt ≤ 1 year
€21k▼
2025 · €51k
Income taxes
€108▼
2025 · €3k
Staff costs
€36k▲
2025 · €31k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€208k€179k▼
Fixed assets21/28€40k€39k▼
Tangible fixed assets22/27€38k€37k▼
Land and buildings22€37k€37k▼
Furniture and vehicles24€386€257▼
Financial fixed assets28€2k€2k=
Current assets29/58€168k€140k▼
Stocks and contracts in progress3€25k€23k▼
Stocks30/36€25k€23k▼
Amounts receivable within one year40/41€134k€113k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€129k€111k▼
Cash at bank and in hand54/58€7k€1k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€208k€179k▼
Equity10/15€156k€158k▲
Contributions10/11€19k€19k=
Reserves13€117k€117k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€115k€115k=
Profit (loss) carried forward14€20k€22k▲
Amounts payable17/49€51k€21k▼
Amounts payable within one year42/48€51k€21k▼
Current portion of amounts payable after more than one year42€3k-
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€38k€2k▼
Suppliers440/4€38k€2k▼
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€9k€4k▼
Remuneration and social security454/9€1k€4k▲
Income statement
Code20252026
Remuneration, social security and pensions62€31k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€524▼
Other operating charges640/8€15k€16k▲
Gross operating margin9900€78k€59k▼
Operating profit (loss)9901€28k€6k▼
Financial income75/76B€7k€0▼
Recurring financial income75€7k€0▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€31k€2k▼
Income taxes67/77€3k€108▼
Profit (loss) for the period9904€28k€2k▼
Profit (loss) for the period to be appropriated9905€28k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€22k▼
Profit (loss) brought forward from the previous period14P€20k€20k=
Transfer to equity691/2€28k-
To other reserves6921€28k-
The notes to these accounts (7 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 2027, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-01
Financial
Liquidity doublescurrent ratio 6.71
Current ratio from 3.27 to 6.71; short-term debt falls from €51k to €21k.
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-01
Financial
Highest result since 2019net €28k ▲37%
Operating result €28k, net result €28k, both a record.
31-01
Financial
Equity above €150kEq €156k ▲22.2%
7 profitable years in a row build equity to €156k.
2024
21-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-01
Financial
Equity above €100kEq €107k ▲9.2%
5 profitable years in a row build equity to €107k.
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 6 days late
31-01
Financial
Weakest financial yearnet €909 ▼89.2%
Net result drops to €909, the lowest in the series; recovery starts the following year.
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Boussu · 1 establishment unit since 1974
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.
Rue Neuve(B) 307300 BoussuGround area
454 m²
Building footprint
445 m²
Volume, LiDAR
4,207 m³
Parcel 53014A0385/00E002, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Neuve(B) 30, 7300 Boussu
since 19742.009.110.619
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53014A0385/00E002 | Wallonia | 454 m² | 1 · 445 m² | 12.3 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoussu2.009.110.619
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Of 12,962 companies in sector 47120 we hold annual accounts for 2,187. 1,439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-1973
Fiscal year end31-01
Activities, NACEBEL
47120Other non-specialised retail sale
47192Retail trade
52121
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.