SUMER
ActiveSummary
SUMER has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€12,578) and a net result of -€16,578. Its solvency ranks better than 5% of 15,701 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- -€12,578
- Loss
- -€16,578
- CAPET PieterDirector
- GRINCEL AlinaDirector
Why 52raises riskCapped at 59: negative equityNegative equity -€12,578lowers riskSector: Legal and accounting activities (NACE 69)Size: total assets €444,555Figures for financial year 2025 (filed 28-08-2026)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro): better than 3% on solvency, 11% on liquidity and 7% on profitability.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointments: CAPET Pieter (director) and…
Financials · financial year 2025, micro format
2025 annual accounts filed late (28 days) Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00444162.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 232 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96.1% are still going.
- Micro
- under 2 years old
- negative equity
- a small loss
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 232 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €39,906 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,938 |
| Other operating charges640/8 | €400 |
| Gross operating margin9900 | €51,262 |
| Operating profit (loss)9901 | -€11,982 |
| Financial charges65/66B | €4,596 |
| Recurring financial charges65 | €4,596 |
| Profit (loss) for the period before taxes9903 | -€16,578 |
| Profit (loss) for the period9904 | -€16,578 |
| Profit (loss) for the period to be appropriated9905 | -€16,578 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €444,555 | |
| Formation expenses20 | €3,099 | |
| Fixed assets21/28 | €375,260 | |
| Intangible fixed assets21 | €371,459 | |
| Tangible fixed assets22/27 | €3,801 | |
| Plant, machinery and equipment23 | €387 | |
| Furniture and vehicles24 | €3,414 | |
| Current assets29/58 | €66,196 | |
| Amounts receivable within one year40/41 | €47,658 | |
| Trade receivables40 | €47,658 | |
| Cash at bank and in hand54/58 | €14,587 | |
| Deferred charges and accrued income490/1 | €3,950 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €444,555 | |
| Equity10/15 | -€12,578 | |
| Contributions10/11 | €4,000 | |
| Profit (loss) carried forward14 | -€16,578 | |
| Amounts payable17/49 | €457,133 | |
| Amounts payable after more than one year17 | €268,933 | |
| Financial debts170/4 | €268,933 | |
| Amounts payable within one year42/48 | €186,242 | |
| Current portion of amounts payable after more than one year42 | €66,919 | |
| Trade debts44 | €59,879 | |
| Suppliers440/4 | €59,879 | |
| Taxes, remuneration and social security45 | €28,426 | |
| Taxes450/3 | €13,859 | |
| Remuneration and social security454/9 | €14,568 | |
| Other amounts payable47/48 | €31,016 | |
| Accrued charges and deferred income492/3 | €1,958 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€16,578 |
| + Depreciation and write-downs630 | €22,938 |
| Operating cash flow (approximation) | €6,359 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00444162 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| CAPET Pieter |
|
| GRINCEL Alina |
|
Owners and capital
Capital and shareholders
- GRINCEL Alina 2,000 shares (50%) · €2,000 in cash
- CAPET Pieter 2,000 shares (50%) · €2,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 03-09-2025 Incorporation · €4,000 · 4,000 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
03-09
Gazette deed
IncorporationAppointments: CAPET Pieter (director) and GRINCEL Alina (director) · Permanent representative: CAPET Pieter · Founder10 facts ▸
- Founder, GRINCEL Alina
- Founder, CAPET Pieter
- Incorporation, 01-09-2025
- Founding capital, €4,000
- Bank account, “compte spécial ouvert au nom de la société en formation” (deed in French)
- Registered office clause, “Quai des Tanneurs 2, 4020 Liège” (deed in French)
- Board rule, 2
- Director appointment, CAPET Pieter (director (not named in the articles))
- Director appointment, GRINCEL Alina (director (not named in the articles))
- Permanent representative, CAPET Pieter
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62808A0326/00L000 | Wallonia | 177 m² | 1 · 134 m² | 21.8 m · 7 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- SUMER
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Rémunération des administrateurs, indépendamment des frais éventuels de représentation, voyages et déplacements” (deed in French)1 more provision on this in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Profit allocationHow profit is distributed; a BV may only pay out after a balance-sheet and liquidity test.
- “Répartition du bénéfice annuel net et réserves, organe d'administration” (deed in French)
- Membership ruleWho can become a member or partner, and on what terms.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June
- Meeting noticeHow and how far ahead shareholders are invited to a meeting; by law at least fifteen days.
- One provision in the deed
- Meeting accessWho may attend the meeting and what is needed to be admitted.
- “Admission à l'assemblée générale, si seul le droit de vote est suspendu, peut participer à l'assemblée générale sans participer au vote” (deed in French)
- Voting ruleWhich majority the meeting decides by, for example a simple or a special majority.
- “Délibérations et vote à l'assemblée générale, quel que soit le nombre de titres représentés à l'assemblée générale” (deed in French)
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “En tout temps, délibérant dans les formes prévues pour les modifications aux statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “En cas de dissolution de la société, pour quelque cause et à quelque moment que ce soit, le ou les administrateurs en fonction sont désignés…” (deed in French)