SUMIYA
ActiveSUMIYA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €1k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-3
Solvency72▼-28
Growth58=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 4.52 in 2024; short-term debt: 52.7% and cash: 10.1% of total assets), but 52.7% 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.
−lowers risk+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 →
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
47.3%
Return on assets
1.7%
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 30-08-2026, 30 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
30 d late
2024
14 d late
2023
25 d late
2022
26 d late
2021
30 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€145k▲ 10.7%
2019 · €131k
2019: €131k
2019 → 2020
EBIT margin
2.4%▼ 0.4pp
2019 · 2.8%
2019: 2.8%
2019 → 2020
Net result
€1k▲ 21.1%
2024 · €935
2019: €2k
2020: €2k
2021: €6k
2022: €6k
2023: €2k
2024: €935
2019 → 2025
Working capital
€30k▲ 1.3%
2024 · €30k
2019: €15k
2020: €16k
2021: €22k
2022: €28k
2023: €30k
2024: €30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€28k▲ 26.2%€30k▲ 5.7%€31k▲ 3.1%€32k▲ 3.7%
Operating result€8k-€7k▼ 4.1%€4k▼ 48.7%€4k▲ 19.3%€4k▼ 4.2%
Net result€6k-€6k▼ 4.2%€2k▼ 72.4%€935▼ 42.3%€1k▲ 21.1%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€2k▲ 67.5%
Current assets
€66k▲ 72.2%
Equity and liabilities €67k
Equity
€32k▲ 3.7%
Debt
€36k▲ 322%
The debt ratio rises from 21.5% to 52.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▲
2024 · €5k
Cash flow
€1k▲
2024 · €1k
Solvency
47.3%▼
2024 · 78.5%
Current ratio
1.85▼
2024 · 4.52
Quick ratio
1.49▼
2024 · 2.95
Debt / equity
1.11▲
2024 · 0.27
ROE
3.5%▲
2024 · 3.0%
ROA
1.7%▼
2024 · 2.4%
Interest coverage
1.66▼
2024 · 2.00
Debt
€36k▲
2024 · €8k
Debt ≤ 1 year
€36k▲
2024 · €8k
Income taxes
€380▼
2024 · €1k
Staff costs
€11k▲
2024 · €9k
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€39k€67k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€38k€66k▲
Stocks and contracts in progress3€13k€13k▼
Stocks30/36€13k€13k▼
Amounts receivable within one year40/41€22k€46k▲
Trade receivables40-€19k
Other amounts receivable41€22k€27k▲
Cash at bank and in hand54/58€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€39k€67k▲
Equity10/15€31k€32k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€12k€13k▲
Amounts payable17/49€8k€36k▲
Amounts payable within one year42/48€8k€36k▲
Trade debts44€4k€12k▲
Suppliers440/4€4k€12k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€68€1k▲
Remuneration and social security454/9€5k€1k▼
Other amounts payable47/48-€22k
Income statement
Code20242025
Remuneration, social security and pensions62€9k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€94€310▲
Other operating charges640/8€2k-
Gross operating margin9900€15k€16k▲
Operating profit (loss)9901€4k€4k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77€1k€380▼
Profit (loss) for the period9904€935€1k▲
Profit (loss) for the period to be appropriated9905€935€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€13k▲
Profit (loss) brought forward from the previous period14P€11k€12k▲
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Weakest financial yearnet €935 ▼42.3%
Net result drops to €935, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2019net €6k ▲253%
Operating result €8k, net result €6k, both a record.
31-12
Financial
Liquidity times 6current ratio 8.74
Current ratio from 1.47 to 8.74; short-term debt falls from €35k to €3k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
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, Sint-Pieters-Woluwe · 1 establishment unit since 2017
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.
Palmboomstraat 21150 Sint-Pieters-WoluweGround area
80 m²
Building footprint
80 m²
Volume, LiDAR
749 m³
Parcel 21684B0065/00B014, Brussels · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SUMIYA
since 20172.270.516.216
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0065/00B014 | Brussels | 80 m² | 1 · 79 m² | 11.5 m · 3 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 siteSint-Pieters-Woluwe2.270.516.216
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-11-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.