SUMA
ActiveSUMA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.90M and a net result of €167k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 8072 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
73
/ 100
Healthy▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability21▲+20
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 1.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
98.8%
Return on assets
4.2%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
43 d early
2022
33 d early
2021
12 d early
2020
30 d late
2019
20 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€3.90M▼ 13.6%
2023 · €4.52M
2018: €4.84M
2019: €4.76M
2020: €5.30M
2021: €5.23M
2022: €4.81M
2023: €4.52M
2018 → 2024
Total assets
€3.95M▼ 14.0%
2023 · €4.60M
2018: €4.87M
2019: €4.92M
2020: €5.49M
2021: €5.58M
2022: €4.96M
2023: €4.60M
2018 → 2024
Net result
€167k▲ 2,118%
2023 · €8k
2018: €88k
2019: €54k
2020: €540k
2021: €-71k
2022: €286k
2023: €8k
2018 → 2024
Working capital
€2.29M▼ 21.0%
2023 · €2.90M
2018: €286k
2019: €200k
2020: €4.13M
2021: €3.44M
2022: €3.74M
2023: €2.90M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€5.30M-€5.23M▼ 1.3%€4.81M▼ 7.9%€4.52M▼ 6.1%€3.90M▼ 13.6%
Operating result€-105k-€-91k▲ 13.7%€-38k▲ 58.3%€-27k▲ 27.9%€-65k▼ 137%
Net result€540k-€-71k€286k€8k▼ 97.4%€167k▲ 2,118%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €65k in 2024 against €27k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.95M
Fixed assets
€1.64M▼ 0.7%
Current assets
€2.31M▼ 21.5%
Equity and liabilities €3.95M
Equity
€3.90M▼ 13.6%
Debt
€47k▼ 39.4%
The debt ratio falls from 1.7% to 1.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-53k▼
2023 · €-22k
Cash flow
€179k▲
2023 · €12k
Solvency
98.8%▲
2023 · 98.3%
Debt / equity
0.01▼
2023 · 0.02
ROE
4.3%▲
2023 · 0.2%
ROA
4.2%▲
2023 · 0.2%
Interest coverage
-10.53▼
2023 · -4.71
Debt
€47k▼
2023 · €78k
Debt ≤ 1 year
€21k▼
2023 · €42k
Debt > 1 year
€26k▼
2023 · €36k
Income taxes
€17k▲
2023 · €1k
A ratio outside any meaningful range has been withheld (balance sheet total €3.95M, equity €3.90M).
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€4.60M€3.95M▼
Fixed assets21/28€1.65M€1.64M▼
Tangible fixed assets22/27€53k€40k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€0-
Leasing and similar rights25€48k€38k▼
Financial fixed assets28€1.60M€1.60M=
Current assets29/58€2.94M€2.31M▼
Amounts receivable within one year40/41€11k€29k▲
Trade receivables40€4k€2k▼
Other amounts receivable41€7k€27k▲
Current investments50/53€2.89M€2.27M▼
Cash at bank and in hand54/58€44k€15k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€4.60M€3.95M▼
Equity10/15€4.52M€3.90M▼
Contributions10/11€2.73M€2.55M▼
Reserves13€1.79M€1.35M▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1.79M€1.35M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€78k€47k▼
Amounts payable after more than one year17€36k€26k▼
Financial debts170/4€36k€26k▼
Amounts payable within one year42/48€42k€21k▼
Current portion of amounts payable after more than one year42€9k€10k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€33k€11k▼
Suppliers440/4€33k€11k▼
Taxes, remuneration and social security45€140€159▲
Taxes450/3€140€159▲
Other amounts payable47/48€109€644▲
Income statement
Code20232024
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€12k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€15k€23k▲
Gross operating margin9900€-6k€-28k▼
Operating profit (loss)9901€-27k€-65k▼
Financial income75/76B€41k€253k▲
Recurring financial income75€41k€253k▲
Non-recurring financial income76B€0-
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€9k€184k▲
Income taxes67/77€1k€17k▲
Profit (loss) for the period9904€8k€167k▲
Profit (loss) for the period to be appropriated9905€8k€167k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€167k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€36k€603k▲
Transfer to equity691/2€8k€167k▲
To other reserves6921€8k€167k▲
Profit to be distributed694/7€36k€603k▲
Return on contributions (dividend)694€36k€603k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 69.25
Current ratio from 27.47 to 69.25; short-term debt falls from €141k to €42k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €286k
Net result €286k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-71k ▼113%
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €540k ▲903%
Net result €540k, the highest in the series.
31-12
Financial
Liquidity times 10current ratio 22.77
Current ratio from 2.19 to 22.77.
31-12
Financial
Equity above €5MEq €5.30M ▲11.3%
3 profitable years in a row build equity to €5.30M.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ravels · 1 establishment unit since 2003
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.
Koekoeklaan 62382 RavelsGround area
1,763 m²
Building footprint
183 m²
Volume, LiDAR
974 m³
Parcel 13033A0136/00R003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SUMA
since 20032.133.442.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13033A0136/00R003 | Flanders | 1,762 m² | 1 · 183 m² | 8.0 m · 2 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
BUREAU DUFAYS CONSULTING
BE 0553.610.078
Chaudfontaine · Eq €3.90M
BRITON
BE 0806.622.108
Verviers · Eq €3.90M
NEUVASQ BIOTECHNOLOGIES
BE 0762.966.663
Charleroi · Eq €3.91M
ANHEMA
BE 0889.830.983
Mouscron · Eq €3.91M
BETWO
BE 0762.440.388
Kuurne · Eq €3.90M
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 13,297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.