SUMAL
ActiveSUMAL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €-2k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-46
Solvency87▲+8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.59 against 4.77 in 2024; short-term debt: 24.2% and cash: 12.4% of total assets), and 37.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.5%
Return on assets
-1.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
12 d late
2024
29 d late
2023
30 d early
2022
1 d late
2021
30 d late
2020
4 d late
2019
2 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▼ 2.5%
2024 · €65k
2019: €26k
2020: €32k
2021: €48k
2022: €46k
2023: €52k
2024: €65k
2019 → 2025
Total assets
€101k▼ 15.7%
2024 · €120k
2019: €37k
2020: €49k
2021: €68k
2022: €69k
2023: €79k
2024: €120k
2019 → 2025
Net result
€-2k
2024 · €13k
2019: €1k
2020: €6k
2021: €16k
2022: €-2k
2023: €5k
2024: €13k
2019 → 2025
Working capital
€63k▼ 23.6%
2024 · €83k
2019: €19k
2020: €26k
2021: €44k
2022: €46k
2023: €33k
2024: €83k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€46k▼ 3.6%€52k▲ 11.8%€65k▲ 24.5%€63k▼ 2.5%
Operating result€23k-€3k▼ 85.2%€14k▲ 315%€23k▲ 63.6%€5k▼ 78.5%
Net result€16k-€-2k€5k€13k▲ 132%€-2k
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 78% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€13k▼ 11.6%
Current assets
€87k▼ 16.3%
Equity and liabilities €101k
Equity
€63k▼ 2.5%
Debt
€38k▼ 31.1%
The debt ratio falls from 45.9% to 37.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €27k
Cash flow
€3k▼
2024 · €17k
Solvency
62.5%▲
2024 · 54.1%
Current ratio
3.59▼
2024 · 4.77
Quick ratio
0.79▼
2024 · 1.85
Debt / equity
0.60▼
2024 · 0.85
ROE
-2.6%▼
2024 · 19.7%
ROA
-1.6%▼
2024 · 10.6%
Interest coverage
1.41▼
2024 · 5.07
Debt
€38k▼
2024 · €55k
Debt ≤ 1 year
€24k▲
2024 · €22k
Staff costs
€30k▼
2024 · €32k
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€120k€101k▼
Formation expenses20€0€0=
Fixed assets21/28€15k€13k▼
Tangible fixed assets22/27€15k€13k▼
Land and buildings22€0€0=
Furniture and vehicles24€15k€13k▼
Current assets29/58€104k€87k▼
Stocks and contracts in progress3€64k€68k▲
Stocks30/36€64k€68k▲
Amounts receivable within one year40/41€14k€6k▼
Other amounts receivable41€14k€6k▼
Cash at bank and in hand54/58€26k€12k▼
Deferred charges and accrued income490/1€234€243▲
Equity and liabilities
Total equity and liabilities10/49€120k€101k▼
Equity10/15€65k€63k▼
Contributions10/11€25k€25k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€13k€11k▼
Amounts payable17/49€55k€38k▼
Amounts payable within one year42/48€22k€24k▲
Trade debts44€6k€16k▲
Suppliers440/4€6k€16k▲
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€11k€0▼
Remuneration and social security454/9€5k€8k▲
Accrued charges and deferred income492/3€33k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€32k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€61k€40k▼
Operating profit (loss)9901€23k€5k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€18k€-2k▼
Income taxes67/77€5k-
Profit (loss) for the period9904€13k€-2k▼
Profit (loss) for the period to be appropriated9905€13k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€11k▼
Profit (loss) brought forward from the previous period14P-€13k
The notes to these accounts (5 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 4.77
Current ratio from 2.22 to 4.77; short-term debt falls from €27k to €22k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2019net €16k ▲189%
Net result €16k, the highest in the series.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Olen · 1 establishment unit since 2018
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.
Oosterwijkseweg 72250 OlenGround area
1,240 m²
Building footprint
189 m²
Volume, LiDAR
1,022 m³
Parcel 13029G0376/00W000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oosterwijkseweg 7, 2250 Olen
since 20182.277.756.176
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029G0376/00W000 | Flanders | 1,240 m² | 1 · 189 m² | 8.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOlen2.277.756.176
Similar companies · same sector, comparable size
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BE 0738.836.924
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ALBARAKA MARKET
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DOGAN MARKT
BE 0633.762.267
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FOOD-H
BE 0744.403.536
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,670 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2018
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0487 209 961