SUMUM
ActiveSummary
SUMUM has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120,542 and a net result of -€63,553. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-1
Solvency57▼-16
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.03 in 2024; short-term debt: 66.5% and cash: 0.2% of total assets), and 68.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
31.8%
Return on assets
-16.7%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€63,553
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
59 d early
2023
58 d early
2022
57 d early
2021
46 d early
2020
44 d early
2019
56 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 46 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€120,542▼ 34.5%
2024 · €184,096
Total assets
€379,537▼ 1.0%
2024 · €383,526
Net result
-€63,553▼ 14.0%
2024 · -€55,734
Working capital
-€250,723▼ 34.4%
2024 · -€186,533
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€302,774-€6,983-€39,728▼ 469%-€55,756▼ 40.3%-€63,553▼ 14.0%
Net result€302,777▲ 108,236%-€6,983-€39,728▼ 469%-€55,734▼ 40.3%-€63,553▼ 14.0%
Equity€286,541€279,558▼ 2.4%€239,830▼ 14.2%€184,096▼ 23.2%€120,542▼ 34.5%
Total assets€695,864▲ 62.9%€292,951▼ 57.9%€252,891▼ 13.7%€383,526▲ 51.7%€379,537▼ 1.0%
Debt€409,323▼ 7.7%€13,393▼ 96.7%€13,060▼ 2.5%€199,430▲ 1,427%€258,995▲ 29.9%
Working capital€14,157€30,164▲ 113%€2,808▼ 90.7%-€186,533-€250,723▼ 34.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €63,553 in 2025 against €55,756 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379,537
Fixed assets
€377,954 ▲ 0.2%
Current assets
€1,583 ▼ 74.6%
Equity and liabilities €379,537
Equity
€120,542 ▼ 34.5%
Debt
€258,995 ▲ 29.9%
Debt's share of the balance-sheet total rises from 52.0% to 68.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€29,753▼
2024 · -€27,506
Cash flow
-€29,753▼
2024 · -€27,484
Current ratio
0.01▼
2024 · 0.03
Debt to equity
2.15▲
2024 · 1.08
ROE
-52.7%▼
2024 · -30.3%
ROA
-16.7%▼
2024 · -14.5%
Debt ≤ 1 year
€252,306▲
2024 · €192,759
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €16,008 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,403 | €15,890 | €16,137 | €28,250 | €33,800 | ▲ 19.6% |
| Other operating charges640/8 | - | €4,722 | €4,920 | €5,187 | €5,115 | ▼ 1.4% |
| Gross operating margin9900 | €324,824 | €13,629 | -€18,671 | -€22,318 | -€24,639 | ▼ 10.4% |
| Operating profit (loss)9901 | €302,774 | -€6,983 | -€39,728 | -€55,756 | -€63,553 | ▼ 14.0% |
| Financial income75/76B | - | €0 | - | €22 | €0 | ▼ 100% |
| Recurring financial income75 | €4 | €0 | - | €22 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | €0 | €0 | €0 | ▼ 100% |
| Recurring financial charges65 | - | - | €0 | €0 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €302,778 | -€6,983 | -€39,728 | -€55,734 | -€63,553 | ▼ 14.0% |
| Income taxes67/77 | €1 | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €302,777 | -€6,983 | -€39,728 | -€55,734 | -€63,553 | ▼ 14.0% |
| Profit (loss) for the period to be appropriated9905 | €302,777 | -€6,983 | -€39,728 | -€55,734 | -€63,553 | ▼ 14.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €695,864 | €292,951 | €252,891 | €383,526 | €379,537 | ▼ 1.0% |
| Fixed assets21/28 | €279,610 | €254,729 | €242,294 | €377,300 | €377,954 | ▲ 0.2% |
| Tangible fixed assets22/27 | €279,610 | €254,729 | €242,294 | €377,300 | €377,954 | ▲ 0.2% |
| Land and buildings22 | - | €254,729 | €242,294 | €377,300 | €377,954 | ▲ 0.2% |
| Current assets29/58 | €416,253 | €38,223 | €10,596 | €6,226 | €1,583 | ▼ 74.6% |
| Amounts receivable within one year40/41 | - | - | - | €7 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | - | €7 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €414,860 | €32,927 | €10,061 | €5,569 | €754 | ▼ 86.5% |
| Deferred charges and accrued income490/1 | - | €5,296 | €535 | €650 | €830 | ▲ 27.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €695,864 | €292,951 | €252,891 | €383,526 | €379,537 | ▼ 1.0% |
| Equity10/15 | €286,541 | €279,558 | €239,830 | €184,096 | €120,542 | ▼ 34.5% |
| Contributions10/11 | €380,000 | €380,000 | €380,000 | €380,000 | €380,000 | = |
| Capital10 | - | €380,000 | €380,000 | - | - | - |
| Issued capital100 | - | €380,000 | €380,000 | - | - | - |
| Profit (loss) carried forward14 | -€93,459 | -€100,442 | -€140,170 | -€195,904 | -€259,458 | ▼ 32.4% |
| Amounts payable17/49 | €409,323 | €13,393 | €13,060 | €199,430 | €258,995 | ▲ 29.9% |
| Amounts payable within one year42/48 | €402,097 | €8,059 | €7,789 | €192,759 | €252,306 | ▲ 30.9% |
| Trade debts44 | - | - | - | €55,006 | €0 | ▼ 100% |
| Suppliers440/4 | - | - | - | €55,006 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €8,059 | €7,789 | €137,753 | €252,306 | ▲ 83.2% |
| Accrued charges and deferred income492/3 | - | €5,334 | €5,272 | €6,672 | €6,689 | ▲ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €302,777 | -€6,983 | -€39,728 | -€55,734 | -€63,553 | ▼ 14.0% |
| + Depreciation and write-downs630 | €16,403 | €15,890 | €16,137 | €28,250 | €33,800 | ▲ 19.6% |
| Operating cash flow (approximation) | €319,180 | €8,907 | -€23,591 | -€27,484 | -€29,753 | ▼ 8.3% |
| Investment in fixed assets (approximation) | - | €8,992 | -€3,703 | -€163,257 | -€34,454 | ▲ 78.9% |
| Change in cash | - | -€381,933 | -€22,865 | -€4,492 | -€4,816 | ▼ 7.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity times 5current ratio 4.74
Current ratio from 1.04 to 4.74; short-term debt falls from €402,097 to €8,059.
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €302,777 ▲108,236%
Operating result €302,774, net result €302,777, both a record.
30-06
Financial
Liquidity times 11current ratio 1.04
Current ratio from 0.10 to 1.04; short-term debt falls from €437,523 to €402,097.
30-06
Financial
Equity above €200,000Eq €286,541
2 profitable years in a row build equity to €286,541.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €279
Net result €279 after one loss-making year.
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
03-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
05-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Knokke-Heist · 1 establishment unit since 2002
Ground area
779 m²
Building footprint
765 m²
Volume, LiDAR
17,618 m³
Parcel 31332E0946/00A000, Flanders · tallest building 29.6 m, ±9 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Ebbestraat 10, 8300 Knokke-Heist
since 20022.095.582.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E0946/00A000 | Flanders | 779 m² | 1 · 765 m² | 29.6 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded24-10-2001
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475931983
Also
9925:BE0475931983
Registered
26-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.