SUMACO BEHEER
ActiveSUMACO BEHEER has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.89M and a net result of €1.37M. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 88% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-23
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €950k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 11.58 in 2024), and 12.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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 2025Solvency, return and age of the figures
Solvency
87.4%
Return on assets
9.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
59 d early
2023
12 d early
2022
40 d early
2021
31 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€12.89M▲ 2.0%
2024 · €12.63M
2018: €6.81M
2019: €7.60M
2020: €7.92M
2021: €8.32M
2022: €9.27M
2023: €10.71M
2024: €12.63M
2018 → 2025
Total assets
€14.74M▲ 9.6%
2024 · €13.45M
2018: €7.17M
2019: €8.17M
2020: €8.58M
2021: €9.48M
2022: €9.45M
2023: €11.28M
2024: €13.45M
2018 → 2025
Net result
€1.37M▼ 28.6%
2024 · €1.92M
2018: €275k
2019: €812k
2020: €318k
2021: €396k
2022: €958k
2023: €1.44M
2024: €1.92M
2018 → 2025
Working capital
€7.55M▼ 7.3%
2024 · €8.15M
2018: €3.35M
2019: €4.08M
2020: €4.38M
2021: €4.49M
2022: €5.56M
2023: €6.52M
2024: €8.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.32M-€9.27M▲ 11.5%€10.71M▲ 15.5%€12.63M▲ 17.9%€12.89M▲ 2.0%
Operating result€44k-€43k▼ 1.8%€-55k€-33k▲ 39.3%€-42k▼ 25.5%
Net result€396k-€958k▲ 142%€1.44M▲ 50.2%€1.92M▲ 33.4%€1.37M▼ 28.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €42k in 2025 against €33k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.74M
Fixed assets
€5.34M▲ 17.8%
Current assets
€9.40M▲ 5.4%
Equity and liabilities €14.74M
Equity
€12.89M▲ 2.0%
Debt
€1.85M▲ 127%
The debt ratio rises from 6.1% to 12.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€-14k▼
2024 · €-6k
Cash flow
€1.40M▼
2024 · €1.95M
Solvency
87.4%▼
2024 · 93.9%
Current ratio
5.07▼
2024 · 11.58
Quick ratio
5.07▼
2024 · 11.58
Debt / equity
0.14▲
2024 · 0.06
ROE
10.6%▼
2024 · 15.2%
ROA
9.3%▼
2024 · 14.3%
Interest coverage
-0.19▼
2024 · 0.13
Debt
€1.85M▲
2024 · €818k
Debt ≤ 1 year
€1.85M▲
2024 · €770k
Income taxes
€142k▼
2024 · €217k
Staff costs
€70k▲
2024 · €67k
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€13.45M€14.74M▲
Fixed assets21/28€4.53M€5.34M▲
Tangible fixed assets22/27€99k€76k▼
Furniture and vehicles24€99k€76k▼
Financial fixed assets28€4.43M€5.26M▲
Current assets29/58€8.92M€9.40M▲
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Amounts receivable within one year40/41€120k€203k▲
Trade receivables40€100k€81k▼
Other amounts receivable41€19k€121k▲
Current investments50/53€6.54M€7.59M▲
Cash at bank and in hand54/58€2.19M€1.54M▼
Deferred charges and accrued income490/1€14k€21k▲
Equity and liabilities
Total equity and liabilities10/49€13.45M€14.74M▲
Equity10/15€12.63M€12.89M▲
Contributions10/11€4.95M€4.95M=
Reserves13€6.17M€6.42M▲
Non-distributable reserves130/1€65k€65k=
Reserves not available under the articles1311€65k€65k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€6.10M€6.35M▲
Profit (loss) carried forward14€1.52M€1.52M=
Amounts payable17/49€818k€1.85M▲
Amounts payable within one year42/48€770k€1.85M▲
Financial debts43€2k€614▼
Credit institutions430/8€2k€614▼
Trade debts44€318k€473k▲
Suppliers440/4€318k€473k▲
Taxes, remuneration and social security45€213k€336k▲
Taxes450/3€206k€323k▲
Remuneration and social security454/9€7k€13k▲
Other amounts payable47/48€238k€1.04M▲
Accrued charges and deferred income492/3€48k€744▼
Income statement
Code20242025
Non-recurring operating income76A-€300
Remuneration, social security and pensions62€67k€70k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€11k€10k▼
Gross operating margin9900€71k€66k▼
Operating profit (loss)9901€-33k€-42k▼
Financial income75/76B€2.12M€1.63M▼
Recurring financial income75€2.12M€1.63M▼
Financial charges65/66B€-50k€72k▲
Recurring financial charges65€-50k€72k▲
Profit (loss) for the period before taxes9903€2.14M€1.51M▼
Income taxes67/77€217k€142k▼
Profit (loss) for the period9904€1.92M€1.37M▼
Profit (loss) for the period to be appropriated9905€1.92M€1.37M▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.44M€2.89M▼
Profit (loss) brought forward from the previous period14P€1.52M€1.52M=
Transfer from equity791/2-€1.07M
Transfer to equity691/2€1.92M€1.33M▼
To other reserves6921€1.92M€1.33M▼
Profit to be distributed694/7-€1.12M
Return on contributions (dividend)694-€1.07M
Directors or managers695-€45k
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (16 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
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.92M ▲33.4%
Net result €1.92M, the highest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €10MEq €10.71M ▲15.5%
6 profitable years in a row build equity to €10.71M.
14-12
State Gazette act
General meeting · Dissolution
Director resignation · Director appointment
13-12
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 7current ratio 37.14
Current ratio from 5.70 to 37.14; short-term debt falls from €956k to €154k.
17-10
State Gazette act
General meeting · Director reappointment
Permanent representative
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
29-01
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Capital
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
26-02
State Gazette act
General meeting · Statutes amendment
Reserve release · Capital
2019
15-10
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
06-02
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 88 days late
2016
20-10
State Gazette act
Board meeting · Director resignation
General meeting · Director reappointment
2015
22-04
State Gazette act
General meeting · Board meeting
Share issue · Capital increase · Herbert Houben
22-04
State Gazette act
General meeting · Capital increase
Bank account · Share issue · Herbert Houben
2013
12-08
State Gazette act
General meeting · Board meeting
Capital increase · Capital
12-07
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lummen · 1 establishment unit since 1994
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.
St.-Annastraat 473560 LummenGround area
3,630 m²
Building footprint
325 m²
Volume, LiDAR
1,584 m³
Parcel 71542D0239/00B000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
St.-Annastraat 47, 3560 Lummen
since 19942.067.217.973
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542D0239/00B000 | Flanders | 3,630 m² | 1 · 325 m² | 8.6 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared director
→
Ownership & control
3 partiesSUMACO BEHEERBE 0448.929.757
controls
Where this company holds controlthis company sits on their board3
Recognitions · licences · registrations
Legal Entity Identifier
254900SS6ZAGGNFEKP15
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded07-12-1992
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.