SUMUNI TRANSPORT
ActiveThe computed 12-month bankruptcy probability of SUMUNI TRANSPORT is 2.8% (moderate). The 2025 annual accounts show equity of €115k and a net result of €58k. Equity is growing by ~85.3% per year across the filed fiscal years. Its solvency ranks better than 33% of 1839 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-2
Solvency52▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.31 in 2024; short-term debt: 70.2% and cash: 1.8% of total assets), and 72.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
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
27.4%
Return on assets
13.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
12 d early
2023
5 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€115k▲ 102%
2024 · €57k
2023: €18k
2024: €57k
2023 → 2025
Total assets
€420k▲ 65.9%
2024 · €253k
2023: €138k
2024: €253k
2023 → 2025
Net result
€58k▲ 50.3%
2024 · €39k
2023: €15k
2024: €39k
2023 → 2025
Working capital
€29k▼ 49.5%
2024 · €58k
2023: €8k
2024: €58k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€18k-€57k▲ 214%€115k▲ 102%
Operating result€25k-€58k▲ 135%€82k▲ 42.1%
Net result€15k-€39k▲ 156%€58k▲ 50.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€96k▲ 957%
Current assets
€324k▲ 32.8%
Equity and liabilities €420k
Equity
€115k▲ 102%
Debt
€305k▲ 55.3%
The debt ratio falls from 77.5% to 72.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€92k▲
2024 · €58k
Cash flow
€68k▲
2024 · €39k
Solvency
27.4%▲
2024 · 22.5%
Current ratio
1.10▼
2024 · 1.31
Quick ratio
1.10▼
2024 · 1.31
Debt / equity
2.65▼
2024 · 3.45
ROE
50.6%▼
2024 · 68.1%
ROA
13.9%▼
2024 · 15.3%
Interest coverage
213.43▲
2024 · 36.72
Debt
€305k▲
2024 · €196k
Debt ≤ 1 year
€295k▲
2024 · €186k
Debt > 1 year
€10k=
2024 · €10k
Income taxes
€24k▲
2024 · €18k
Staff costs
€325k▲
2024 · €188k
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€253k€420k▲
Fixed assets21/28€9k€96k▲
Tangible fixed assets22/27€2k€89k▲
Plant, machinery and equipment23-€36k
Furniture and vehicles24€2k€53k▲
Financial fixed assets28€7k€7k=
Current assets29/58€244k€324k▲
Amounts receivable within one year40/41€221k€316k▲
Trade receivables40€221k€273k▲
Other amounts receivable41-€43k
Cash at bank and in hand54/58€23k€8k▼
Equity and liabilities
Total equity and liabilities10/49€253k€420k▲
Equity10/15€57k€115k▲
Contributions10/11€3k€3k=
Capital10€3k€3k=
Issued capital100€3k€3k=
Reserves13€54k€112k▲
Distributable reserves133€54k€112k▲
Amounts payable17/49€196k€305k▲
Amounts payable after more than one year17€10k€10k=
Financial debts170/4€10k€10k=
Amounts payable within one year42/48€186k€295k▲
Financial debts43€43-
Credit institutions430/8€43-
Trade debts44€74k€180k▲
Suppliers440/4€74k€180k▲
Taxes, remuneration and social security45€87k€95k▲
Taxes450/3€55k€38k▼
Remuneration and social security454/9€32k€57k▲
Other amounts payable47/48€25k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€188k€325k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25€10k▲
Other operating charges640/8€4k€7k▲
Gross operating margin9900€250k€424k▲
Operating profit (loss)9901€58k€82k▲
Financial income75/76B€107€13▼
Recurring financial income75€107€13▼
Financial charges65/66B€2k€433▼
Recurring financial charges65€2k€433▼
Profit (loss) for the period before taxes9903€56k€82k▲
Income taxes67/77€18k€24k▲
Profit (loss) for the period9904€39k€58k▲
Profit (loss) for the period to be appropriated9905€39k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€58k▲
Transfer to equity691/2€39k€58k▲
To other reserves6921€39k€58k▲
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €58k ▲50.3%
Operating result €82k, net result €58k, both a record.
31-12
Financial
Equity above €100kEq €115k ▲102%
3 profitable years in a row build equity to €115k.
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2022
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.
Gemzenstraat 272610 AntwerpenGround area
168 m²
Building footprint
105 m²
Volume, LiDAR
925 m³
Parcel 11051C0217/00B004, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SUMUNI TRANSPORT
since 20222.336.550.648
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051C0217/00B004 | Flanders | 168 m² | 1 · 105 m² | 9.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,465 EUR awarded · 1,465 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 649 EUR | 649 EUR |
| 2024 | 1 | 402 EUR | 402 EUR |
| 2023 | 1 | 414 EUR | 414 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,603 companies in sector 49410 we hold annual accounts for 8,194. 6,366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2022
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.