TRUMA
ActiveTRUMA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €39k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-5
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 56.63 against 35.75 in 2024), and 5.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
94.8%
Return on assets
3.1%
Age of the figures
11 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d early
2023
33 d early
2022
2 d early
2021
4 d early
2020
67 d early
2019
52 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.19M▲ 2.4%
2024 · €1.16M
2018: €830k
2019: €745k
2020: €748k
2021: €917k
2022: €1.11M
2023: €1.12M
2024: €1.16M
2018 → 2025
Total assets
€1.25M▲ 5.8%
2024 · €1.19M
2018: €884k
2019: €809k
2020: €933k
2021: €936k
2022: €1.14M
2023: €1.14M
2024: €1.19M
2018 → 2025
Net result
€39k▼ 20.1%
2024 · €48k
2018: €113k
2019: €132k
2020: €134k
2021: €169k
2022: €192k
2023: €29k
2024: €48k
2018 → 2025
Working capital
€923k▲ 13.7%
2024 · €812k
2018: €461k
2019: €400k
2020: €423k
2021: €563k
2022: €784k
2023: €826k
2024: €812k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€917k-€1.11M▲ 21.0%€1.12M▲ 1.2%€1.16M▲ 3.4%€1.19M▲ 2.4%
Operating result€245k-€276k▲ 13.0%€34k▼ 87.8%€57k▲ 68.9%€40k▼ 30.2%
Net result€169k-€192k▲ 13.5%€29k▼ 84.8%€48k▲ 65.6%€39k▼ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€314k▼ 10.3%
Current assets
€940k▲ 12.5%
Equity and liabilities €1.25M
Equity
€1.19M▲ 2.4%
Debt
€65k▲ 165%
The debt ratio rises from 2.1% to 5.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€77k▼
2024 · €78k
Cash flow
€76k▲
2024 · €70k
Solvency
94.8%▼
2024 · 97.9%
Current ratio
56.63▲
2024 · 35.75
Quick ratio
56.63▲
2024 · 35.75
Debt / equity
0.05▲
2024 · 0.02
ROE
3.3%▼
2024 · 4.2%
ROA
3.1%▼
2024 · 4.1%
Interest coverage
68.12▼
2024 · 1408.30
Debt
€65k▲
2024 · €25k
Debt ≤ 1 year
€17k▼
2024 · €23k
Income taxes
€17k▼
2024 · €21k
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€1.19M€1.25M▲
Fixed assets21/28€351k€314k▼
Tangible fixed assets22/27€350k€314k▼
Land and buildings22€266k€252k▼
Plant, machinery and equipment23€377€890▲
Furniture and vehicles24€84k€61k▼
Financial fixed assets28€455€455=
Current assets29/58€835k€940k▲
Amounts receivable within one year40/41€487€487=
Other amounts receivable41€487€487=
Current investments50/53€195k€883k▲
Cash at bank and in hand54/58€638k€56k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.25M▲
Equity10/15€1.16M€1.19M▲
Contributions10/11€19k€19k=
Reserves13€1.14M€1.17M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.14M€1.17M▲
Amounts payable17/49€25k€65k▲
Amounts payable within one year42/48€23k€17k▼
Trade debts44€1k€808▼
Suppliers440/4€1k€808▼
Taxes, remuneration and social security45€19k€16k▼
Taxes450/3€19k€16k▼
Other amounts payable47/48€4k€85▼
Accrued charges and deferred income492/3€1k€49k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€37k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€81k€79k▼
Operating profit (loss)9901€57k€40k▼
Financial income75/76B€12k€17k▲
Recurring financial income75€3k€17k▲
Non-recurring financial income76B€9k-
Financial charges65/66B€56€1k▲
Recurring financial charges65€56€1k▲
Profit (loss) for the period before taxes9903€69k€56k▼
Income taxes67/77€21k€17k▼
Profit (loss) for the period9904€48k€39k▼
Profit (loss) for the period to be appropriated9905€48k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€39k▼
Transfer from equity791/2€10k€11k▲
Transfer to equity691/2€48k€39k▼
To other reserves6921€48k€39k▼
Profit to be distributed694/7€10k€11k▲
Return on contributions (dividend)694€10k€11k▲
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €29k ▼84.8%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 55.51
Current ratio from 25.90 to 55.51; short-term debt falls from €31k to €15k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €192k ▲13.5%
Operating result €276k, net result €192k, both a record.
30-09
Financial
Equity above €1MEq €1.11M ▲21%
5 profitable years in a row build equity to €1.11M.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity times 10current ratio 32.43
Current ratio from 3.29 to 32.43; short-term debt falls from €184k to €18k.
22-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-02
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.
Directors · office · real estate
Directors
3 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, Oostkamp · 1 establishment unit since 2004
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.
Kwagatstraat 198020 OostkampGround area
2,128 m²
Building footprint
242 m²
Volume, LiDAR
958 m³
Parcel 31025B0261/00K000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Truma
since 20042.135.889.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025B0261/00K000 | Flanders | 2,128 m² | 1 · 242 m² | 7.7 m · 1 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 25,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2004
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.