SUMMUM BONUM

Active

Private limited company (pre-2019)founded 2004active for 22 yearsSchildstraat 1, 3740 Bilzen-Hoeselt, BelgiumKBO/BCE: BE 0866.038.962

From the official registers: KBO 21 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of SUMMUM BONUM is 1.5% (moderate). The 2025 annual accounts show equity of €329,458 and a net result of €16,875. Equity remains stable across the filed financial years (±1.5% per year). Its solvency ranks better than 57% of 11,221 sector peers (NACE 68, financial year 2025). The company has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals.

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SUMMUM BONUMActiveChecked score 65/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 21-06-2004 Normal situation
Legal form: Private limited company (pre-2019)
Registered office: Schildstraat 1, 3740 Bilzen-Hoeselt
Activity: Development of residential building projects NACE 68121and 1 other
Establishment unit: 2.150.302.829 3740 Bilzen-Hoeselt, since 10-10-2005
Financial year end: 31 March
Peppol: Reachable since 07-10-2025

Company details

Who decides

Board

Vandooren MireilleDirector

Shareholders

Mireille Vandooren88%annual accounts 31-03-2024
Danny Hermans4%annual accounts 31-03-2024
Raymond Lantin4%annual accounts 31-03-2024

and 1 other shareholder

Board & ownership

How it is doing

65 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.5%

Annual accounts to 31-03-2025

Gross margin: €57,460; ▲ 34.0%
Turnover: ≈ €150,000; estimated
Profit: €16,875; ▲ 670%
Equity: €329,458; ▲ 5.4%
Total assets: €848,487; ▲ 25.1%

2026 accounts not filed, 1 day past the deadline

Filed on 18-11-2025PDF

Financials

Why 65raises riskLiquidity: current ratio 2.051 change of registered office in 24 monthsFigures for financial year 2025 (filed 20-11-2025)lowers riskSector: Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025

65 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 65% of its sector peers (NACE 68, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 64-7

equity 38.8% of total assets

Liquidity 74+31

short-term debt 30.5%

Profitability 71+2

return on assets 2.0%

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024lowest value 01-2025: 0.4%● unchanged vs 12-2024lowest value 02-2025: 0.4%● unchanged vs 01-2025lowest value 03-2025: 0.4%● unchanged vs 02-2025lowest value 04-2025: 0.4%● unchanged vs 03-2025lowest value 05-2025: 0.4%● unchanged vs 04-2025lowest value 06-2025: 0.4%● unchanged vs 05-2025lowest value 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 1.1%▲ +0.7 percentage points vs 09-2025 11-2025: 1.6%▲ +0.5 percentage points vs 10-2025highest value 12-2025: 1.0%▼ -0.6 percentage points vs 11-2025 01-2026: 1.0%● unchanged vs 12-2025 02-2026: 1.0%● unchanged vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 1.1%▲ +0.1 percentage points vs 06-2026 08-2026: 1.1%● unchanged vs 07-2026 09-2026: 1.1%● unchanged vs 08-2026 10-2026: 1.5%▲ +0.4 percentage points vs 09-2026

Credit of up to €21,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.05, compared with 4.19 in 2024, above the usual 1.5; short-term debt: 30.5% of total assets), but 61.2% of the assets are financed with debt and provisions.

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 68, micro): better than 56% on solvency, 83% on liquidity, 62% on profitability and 59% on growth.

The bankruptcy probability was computed on 31-10-2026 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

Five signals.

lowers riskraises risk

Liquidity: current ratio 2.05

NBB · annual accounts

1 change of registered office in 24 months

Belgian Official Gazette

Figures for financial year 2025 (filed 20-11-2025)

NBB · annual accounts

Sector: Real estate activities (NACE 68)

KBO

2025 accounts filed 18 days late

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-11-2025, 18 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2026

not filed

2025

18 days late

2024

19 days late

2023

on the day

2022

3 days late

2021

3 days late

2020

30 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 12 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: 7 profitable years in a rowprofit 2025: €16,875 7 years View

Documents

Key facts about SUMMUM BONUM

What is the company number of SUMMUM BONUM?: 0866.038.962. In Belgium the VAT number is the company number with BE in front: BE 0866.038.962.
Where is SUMMUM BONUM based?: The registered office is at Schildstraat 1, 3740 Bilzen-Hoeselt.Company details
What does SUMMUM BONUM do?: According to the KBO register, the main activity is development of residential building projects (NACE 68121).
What is the legal form of SUMMUM BONUM?: Private limited company (pre-2019) (BVBA).
When was SUMMUM BONUM founded?: On 21-06-2004.
Is SUMMUM BONUM still active?: Yes, SUMMUM BONUM is an active enterprise in the KBO register.
What is the turnover of SUMMUM BONUM?: ≈ €150,000 in financial year 2025. Estimated from the gross margin of €57,460: probably between €77,000 and €310,000, based on 47 comparable companies, NACE 681.Financials
Is SUMMUM BONUM profitable?: In financial year 2025, SUMMUM BONUM made a profit of €16,875.
Where can I find the annual accounts of SUMMUM BONUM?: SUMMUM BONUM filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)