SUMOD
ActiveSUMOD has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency47▼-2
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.03 against 1.09 in 2024), and 70.2% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.8%
Return on assets
-21%
Age of the figures
8 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 27-08-2026, 27 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
27 d late
2024
26 d late
2023
66 d late
2022
88 d late
2021
11 d early
2020
122 d late
2019
92 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 41.3%
2024 · €35k
2019: €23k
2020: €7k
2021: €28k
2022: €-23k
2023: €8k
2024: €35k
2019 → 2025
Total assets
€70k▼ 41.1%
2024 · €119k
2019: €156k
2020: €81k
2021: €113k
2022: €112k
2023: €193k
2024: €119k
2019 → 2025
Net result
€-15k
2024 · €27k
2019: €5k
2020: €-16k
2021: €21k
2022: €-52k
2023: €31k
2024: €27k
2019 → 2025
Working capital
€1k▼ 79.9%
2024 · €7k
2019: €47k
2020: €14k
2021: €-22k
2022: €-61k
2023: €-27k
2024: €7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€-23k€8k€35k▲ 336%€21k▼ 41.3%
Operating result€24k-€-36k€41k€35k▼ 14.7%€-8k
Net result€21k-€-52k€31k€27k▼ 12.5%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €35k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€21k▼ 27.3%
Current assets
€49k▼ 45.5%
Equity and liabilities €70k
Equity
€21k▼ 41.3%
Debt
€49k▼ 41.1%
The debt ratio rises from 70.1% to 70.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-252▼
2024 · €43k
Cash flow
€-7k▼
2024 · €35k
Solvency
29.8%▼
2024 · 29.9%
Current ratio
1.03▼
2024 · 1.09
Quick ratio
1.03▼
2024 · 1.09
Debt / equity
2.36▲
2024 · 2.35
ROE
-70.4%▼
2024 · 77.1%
ROA
-21.0%▼
2024 · 23.0%
Interest coverage
-0.03▼
2024 · 4.87
Debt
€49k▼
2024 · €83k
Debt ≤ 1 year
€48k▼
2024 · €83k
Income taxes
€424▼
2024 · €445
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€119k€70k▼
Fixed assets21/28€28k€21k▼
Tangible fixed assets22/27€27k€20k▼
Furniture and vehicles24€2k€847▼
Other tangible fixed assets26€25k€19k▼
Financial fixed assets28€900€900=
Current assets29/58€90k€49k▼
Amounts receivable within one year40/41€81k€47k▼
Trade receivables40€28k-
Other amounts receivable41€53k€47k▼
Cash at bank and in hand54/58€9k€2k▼
Deferred charges and accrued income490/1€672€817▲
Equity and liabilities
Total equity and liabilities10/49€119k€70k▼
Equity10/15€35k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€15k€354▼
Amounts payable17/49€83k€49k▼
Amounts payable within one year42/48€83k€48k▼
Current portion of amounts payable after more than one year42€1k-
Financial debts43€65k€45k▼
Credit institutions430/8€65k€45k▼
Trade debts44€11k€2k▼
Suppliers440/4€11k€2k▼
Taxes, remuneration and social security45€6k€854▼
Taxes450/3€6k€854▼
Other amounts payable47/48€228€276▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€693€715▲
Gross operating margin9900€44k€464▼
Operating profit (loss)9901€35k€-8k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€28k€-14k▼
Income taxes67/77€445€424▼
Profit (loss) for the period9904€27k€-15k▼
Profit (loss) for the period to be appropriated9905€27k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€354▼
Profit (loss) brought forward from the previous period14P€-12k€15k▲
The notes to these accounts (7 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
07-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment4 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment4 facts ▸
- General meeting, 2026-06-09
- Director resignation, Bermuda Invest BV (bestuurder)
- Director resignation, Sabine De Ridder (bestuurder)
- Director appointment, Jan Robberechts (bestuurder)
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Weakest financial yearnet €-52k ▼350%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2026
Jan Robberechts
CurrentDirector · since 09-06-2026
09-06-2026
Jan Robberechts: Appointed as Director
09-06-2026
BERMUDA INVEST: Resigned as Director
09-06-2026
Sabine De Ridder: Resigned as Director
Location & real-estate footprint
Registered office, Meise · 1 establishment unit since 2018
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.
Brusselsesteenweg 591860 MeiseGround area
290 m²
Building footprint
285 m²
Volume, LiDAR
1,865 m³
Parcel 23050F0362/00E000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Domus Vastgoed
since 20182.293.587.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050F0362/00E000 | Flanders | 290 m² | 1 · 285 m² | 11.7 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.
Similar companies · same sector, comparable size
Heirbaut Invest
BE 0765.170.939
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NORD HORIZON
BE 0800.572.771
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CM INVEST
BE 0543.573.449
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MONTOIS IMMOBILIER
BE 0633.961.217
Sint-Gillis (bij-Brussel) · Eq €21k
AGENCE ET VOUS
BE 0439.635.672
Charleroi · Eq €21k
Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 3,944 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-10-2018
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.