SUMMUM
SUMMUM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-5k) and a net result of €3k. Equity is shrinking by ~99.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 1211 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €-5k |
| Net result | €3k |
| Better than sector | 5% |
| Active | 4 yrs |
Fragile profile, watch health in particular.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -10.0% | 47.4% | |
| Net result | €3k | €43k | |
| Equity | €-5k | €85k | |
| Gross operating margin | €6k | €70k | |
| Total assets | €54k | €211k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €3k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €694 |
| Dividends | - |
| Total assets | €54k |
| Equity | €-5k |
| Debt | €60k |
| of which ≤ 1y | €34k |
| of which > 1y | €25k |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | -10.0% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 5.4% |
| ROE | -53.7% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €54k |
| Fixed assets | 21/28 | €6k |
| Tangible fixed assets | 22/27 | €6k |
| Current assets | 29/58 | €48k |
| Stocks & contracts in progress | 3 | €5k |
| Amounts receivable within one year | 40/41 | €30k |
| Cash & bank | 54/58 | €13k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €54k |
| Equity | 10/15 | €-5k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-10k |
| Amounts payable | 17/49 | €60k |
| Amounts payable after one year | 17 | €25k |
| Amounts payable within one year | 42/48 | €34k |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €6k |
| Operating result | 9901 | €5k |
| Financial income | 75 | €1 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €4k |
| Income taxes | 67/77 | €694 |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 14-02-2022 |
| Status | Active |
| Postal code | 2170 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0424/00P015 | Flanders | 149 m² | 1 · 125 m² | 12.6 m · 1 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
26-03-2026 General meeting · Officer resignation · Permanent representative · Officer appointment
- Publication: 26/03/2026 · The recruitment academy
- Filing: 18/03/2026 · The recruitment academy
- General meeting: 01/11/2025 · The recruitment academy
- Officer resignation: role: bestuurder, end_date: 2024-09-30 · ROMMETO CONSULT
- Permanent representative · Tom Rommens
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2025-11-01 · SUMMUM
- Permanent representative · Matthias Hensbergen
- Mandate compensation: bezoldigd · SUMMUM
- Seat change: to: Brusselstraat 51, 2018 Antwerpen · The recruitment academy
- Power of attorney: vertegenwoordigen tegenover alle belastingadministraties ... bij de griffie ... bij één of meer erkende ondernemingsloketten ... inschrijving, wijziging of doorhaling ... Kruispuntbank van Ondernemingen · Fidiaz
Technical details
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"date": "2026-03-26",
"type": "publication",
"quote": "Bijlagen bij het Belgisch Staatsblad - 26/03/2026",
"value": "26/03/2026",
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{
"date": "2026-03-18",
"type": "filing",
"quote": "ONDERNEMINGSRECHTBANK 18 MAAT 2026",
"value": "18/03/2026",
"object": null,
"subject": "e1"
},
{
"date": "2025-11-01",
"type": "general_meeting",
"quote": "uittreksel uit de notulen van de bijzondere algemene vergadering gehouden op 1 november 2025",
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{
"type": "officer_resignation",
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},
{
"date": "2025-11-01",
"type": "officer_appointment",
"quote": "de besloten vennootschap \u0022SUMMUM\u0022 ... te benoemen als bestuurder van de Vennootschap met ingang vanaf heden en voor onbepaalde duur",
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"type": "permanent_representative",
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"value": null,
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},
{
"type": "mandate_compensation",
"quote": "Zijn mandaat zal bezoldigd zijn.",
"value": "bezoldigd",
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"subject": "e4"
},
{
"type": "seat_change",
"quote": "de zetel van de Vennootschap te verplaatsen naar Brusselstraat 51, 2018 Antwerpen",
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},
{
"type": "power_of_attorney",
"quote": "een bijzondere volmacht te verlenen aan Brent Van Malder en ieder ander medewerker van de naamloze vennootschap \u0022Fidiaz\u0022 ... teneinde de Vennootschap te vertegenwoordigen tegenover alle belastingadministraties ... alsook te vertegenwoordigen bij de griffie ... alsmede bij \u00E9\u00E9n of meer erkende ondernemingsloketten",
"value": "vertegenwoordigen tegenover alle belastingadministraties ... bij de griffie ... bij \u00E9\u00E9n of meer erkende ondernemingsloketten ... inschrijving, wijziging of doorhaling ... Kruispuntbank van Ondernemingen",
"object": "e1",
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],
"act_meta": {
"outcome": "clean",
"model_id": 50,
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"extractor": "verified-v1",
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"entities": [
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{
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]
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | SUMMUM |