SUMERU · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SUMERU is 1.1% (low). The 2023 annual accounts show equity of €82k and a net result of €60k. Equity is growing by ~162.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 5801 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2022 and 2023).

View the result trend

Growing equity

Equity grew over 2021-2023. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 378 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed more than 90 days late

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 11-12-2024, 133 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	11-12-2024	133 d late	2024-00615185
31-12-2022	31-07-2023	08-01-2024	161 d late	2024-00545915
31-12-2021	31-07-2022	30-09-2022	61 d late	2022-20450823

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.1% Low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€60k+347.6%

Working capital€82k+265.6%

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 11-12-2024 with the NBB · fiscal year 2023 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~162.4%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2023 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	52.5%	61.2%	better than 39% of 5801 sector peers
Net result	€60k	€27k	better than 81% of 5797 sector peers
Equity	€82k	€48k	better than 71% of 5804 sector peers
Gross operating margin	€60k	€45k	better than 63% of 5793 sector peers
Total assets	€157k	€89k	better than 77% of 5802 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P39

Weakening position over 2021-2023 · n=1733-5801

Net result P81

Improving position over 2021-2023 · n=1728-5797

Equity P71

Improving position over 2021-2023 · n=1733-5804

Gross operating margin P63

Improving position over 2021-2023 · n=1726-5793

Describes the position versus peers, not a forecast.

Net profit

€60k

+347.6% 21-23

Total assets

€157k

+114.8% 21-23

Equity

€82k

+265.6% 21-23

Working capital

€82k

+265.6% 21-23

Debt

€75k

+47.6% 21-23

Debt ≤ 1y

€75k

+47.6% 21-23

Current ratio

2.11

+45.6% 21-23

Quick ratio

2.11

+45.6% 21-23

Solvency

52.5%

+70.2% 21-23

Debt / equity

0.90

-59.6% 21-23

ROE

72.6%

+22.5% 21-23

ROA

38.1%

+108.4% 21-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€60k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€157k
Equity	€82k
Debt	€75k
of which ≤ 1y	€75k
of which > 1y	-
Working capital	€82k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	2.11
Quick ratio	2.11
Working capital ratio	52.5%
Solvency	52.5%
Debt / equity	0.90
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	38.1%
ROE	72.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Equity & liabilities

Equity €82k · 52.5% Debt €75k · 47.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€157k
Current assets	29/58	€157k
Amounts receivable within one year	40/41	€72k
Cash & bank	54/58	€85k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€157k
Equity	10/15	€82k
Contributions / capital	10/11	€11k
Accumulated profits (losses)	14	€71k
Amounts payable	17/49	€75k
Amounts payable within one year	42/48	€75k
Trade debts payable within one year	44	€47k
Income statement
Gross operating margin	9900	€60k
Operating result	9901	€60k
Financial charges	65	€188
Result before taxes	9903	€60k
Net result for the period	9904	€60k
Result to be appropriated	9905	€60k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2023 · computed

93 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Directors

Directors & mandates

2 directors

Former directors (2)

KAUSHIK Taruna
Director
State Gazette act 26012800 (27-01-2026)

Former
- → 30-12-2025
KAUSHIK Ravi
Director
State Gazette act 22064485 (30-05-2022)

Former
- → 02-05-2022

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Statutory auditor

1 auditor

Statutory auditor	IRE/IBR number	Tenure
Hallaoui MehdiCurrent Statutory auditor	-	01-09-2025 → present

Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten(62200)
Legal form	Private limited company(610)
Incorporation	12-08-2021
Status	Active
Postal code	1000

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Kunstlaan 561000 Brussel

Establishment units

1 location

SUMERU

Kunstlaan 56, 1000 BrusselOntwerpen en programmeren van computerprogramma's

since 20212.323.226.412

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area4,653 m²

Buildings1

Building footprint2,861 m²

Volume (LiDAR)80,518 m³

Tallest building34.5 m · ±9 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21805E0475/00F000	Brussels	4,653 m²	1 · 2,861 m²	34.5 m · 9 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts

All acts · 4 updated 6 months ago

2026

27-01-2026 KAUSHIK Taruna resigns as director Director changes

KAUSHIK Taruna, Bestuurder

Summary: v3.2

Original publication ↗

2025

31-10-2025 Hallaoui Mehdi appointed as statutory auditor Director changes

Hallaoui Mehdi, Commissaris

Summary: v3.2

Original publication ↗

2022

30-05-2022 KAUSHIK Ravi resigns as director Director changes

KAUSHIK Ravi, Bestuurder

Summary: v3.2

Original publication ↗

2021

16-08-2021 Incorporation of a new SRL Incorporation

Summary: oprichting

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 96

Growth 78

Stability 94

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