TULUMM
ActiveSummary
The annual accounts of TULUMM for fiscal year 2025 show a net loss of 56% of the equity at the start of that year. The 2025 annual accounts show equity of €12,637 and a net result of -€15,797. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 35% of 12829 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-98
Solvency65▼-13
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.01 against 0.79 in 2024; short-term debt: 60% and cash: 0.3% of total assets), and 60% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
40%
Return on assets
-50%
Age of the figures
12 mo
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 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
26 d early
2022
5 d early
2021
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 25 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€12,637▼ 55.6%
2024 · €28,434
Total assets
€31,613▼ 40.6%
2024 · €53,203
Net result
-€15,797
2024 · €12,383
Working capital
-€18,741▼ 330%
2024 · -€4,361
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31,979--€15,514€18,153€17,825▼ 1.8%-€14,384
Net result€24,930within the sector's middle half--€16,130below the sector's middle half€12,252within the sector's middle half€12,383within the sector's middle half▲ 1.1%-€15,797below the sector's middle half
Equity€25,930below the sector's middle half-€9,800below the sector's middle half▼ 62.2%€22,051below the sector's middle half▲ 125%€28,434below the sector's middle half▲ 28.9%€12,637below the sector's middle half▼ 55.6%
Total assets€102,407within the sector's middle half-€63,362below the sector's middle half▼ 38.1%€67,112below the sector's middle half▲ 5.9%€53,203below the sector's middle half▼ 20.7%€31,613below the sector's middle half▼ 40.6%
Debt€76,478-€53,562▼ 30.0%€45,061▼ 15.9%€24,769▼ 45.0%€18,975▼ 23.4%
Working capital€34,925within the sector's middle half--€10,016below the sector's middle half-€4,402below the sector's middle half▲ 56.1%-€4,361below the sector's middle half▲ 0.9%-€18,741below the sector's middle half▼ 330%
Solvency25.3%below the sector's middle half-15.5%below the sector's middle half▼ 9.9pp32.9%within the sector's middle half▲ 17.4pp53.4%within the sector's middle half▲ 20.6pp40.0%within the sector's middle half▼ 13.5pp
Current ratio2.90within the sector's middle half-0.65below the sector's middle half▼ 2.250.86below the sector's middle half▲ 0.200.79below the sector's middle half▼ 0.070.01below the sector's middle half▼ 0.77
Return on assets (ROA)24.3%within the sector's middle half--25.5%below the sector's middle half▼ 49.8pp18.3%within the sector's middle half▲ 43.7pp23.3%within the sector's middle half▲ 5.0pp-50.0%below the sector's middle half▼ 73.2pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
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 €14,384 after €17,825 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,613
Fixed assets
€31,378 ▼ 15.5%
Current assets
€234 ▼ 98.5%
Equity and liabilities €31,613
Equity
€12,637 ▼ 55.6%
Debt
€18,975 ▼ 23.4%
Debt's share of the balance-sheet total rises from 46.6% to 60.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€8,651▼
2024 · €23,276
Cash flow
-€10,063▼
2024 · €17,834
Debt to equity
1.50▲
2024 · 0.87
ROE
-125.0%▼
2024 · 43.5%
Interest coverage
-6.48▼
2024 · 27.33
Debt ≤ 1 year
€18,975▼
2024 · €20,451
Debt > 1 year
€0▼
2024 · €4,317
Income taxes
€77▼
2024 · €4,971
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
9.5%
stopped otherwise
87%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 3,592 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,128 | €5,167 | €5,389 | €5,451 | €5,734 | ▲ 5.2% |
| Other operating charges640/8 | €1,230 | €554 | €825 | €796 | €0 | ▼ 100% |
| Gross operating margin9900 | €35,337 | -€9,792 | €24,367 | €24,072 | -€8,651 | ▼ 136% |
| Operating profit (loss)9901 | €31,979 | -€15,514 | €18,153 | €17,825 | -€14,384 | ▼ 181% |
| Financial income75/76B | €50 | €642 | €57 | €380 | €0 | ▼ 100.0% |
| Recurring financial income75 | €50 | €642 | €57 | €380 | €0 | ▼ 100.0% |
| Financial charges65/66B | €289 | €1,160 | €1,730 | €852 | €1,335 | ▲ 56.8% |
| Recurring financial charges65 | €289 | €1,160 | €1,730 | €852 | €1,335 | ▲ 56.8% |
| Profit (loss) for the period before taxes9903 | €31,740 | -€16,032 | €16,480 | €17,353 | -€15,720 | ▼ 191% |
| Income taxes67/77 | €6,811 | €98 | €4,229 | €4,971 | €77 | ▼ 98.5% |
| Profit (loss) for the period9904 | €24,930 | -€16,130 | €12,252 | €12,383 | -€15,797 | ▼ 228% |
| Profit (loss) for the period to be appropriated9905 | €24,930 | -€16,130 | €12,252 | €12,383 | -€15,797 | ▼ 228% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €102,407 | €63,362 | €67,112 | €53,203 | €31,613 | ▼ 40.6% |
| Fixed assets21/28 | €49,090 | €44,469 | €41,019 | €37,112 | €31,378 | ▼ 15.5% |
| Tangible fixed assets22/27 | €49,090 | €44,469 | €41,019 | €37,112 | €31,378 | ▼ 15.5% |
| Plant, machinery and equipment23 | - | €501 | €392 | €1,801 | €1,383 | ▼ 23.2% |
| Furniture and vehicles24 | €12,138 | €10,872 | €9,605 | €8,338 | €7,072 | ▼ 15.2% |
| Other tangible fixed assets26 | €36,952 | €33,097 | €31,022 | €26,973 | €22,924 | ▼ 15.0% |
| Current assets29/58 | €53,318 | €18,893 | €26,093 | €16,090 | €234 | ▼ 98.5% |
| Amounts receivable within one year40/41 | €17,290 | €12,823 | €200 | €11,510 | €128 | ▼ 98.9% |
| Trade receivables40 | €16,601 | €12,823 | €200 | €11,510 | €128 | ▼ 98.9% |
| Other amounts receivable41 | €689 | €0 | - | - | - | - |
| Current investments50/53 | €7,500 | €800 | €3,350 | €0 | - | - |
| Cash at bank and in hand54/58 | €22,528 | €5,270 | €20,693 | €4,581 | €106 | ▼ 97.7% |
| Deferred charges and accrued income490/1 | €6,000 | €0 | €1,850 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €102,407 | €63,362 | €67,112 | €53,203 | €31,613 | ▼ 40.6% |
| Equity10/15 | €25,930 | €9,800 | €22,051 | €28,434 | €12,637 | ▼ 55.6% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | - | - | €21,000 | €27,000 | €11,637 | ▼ 56.9% |
| Distributable reserves133 | - | - | €21,000 | €27,000 | €11,637 | ▼ 56.9% |
| Profit (loss) carried forward14 | €24,930 | €8,800 | €51 | €434 | €0 | ▼ 100% |
| Amounts payable17/49 | €76,478 | €53,562 | €45,061 | €24,769 | €18,975 | ▼ 23.4% |
| Amounts payable after more than one year17 | €34,586 | €24,653 | €14,565 | €4,317 | €0 | ▼ 100% |
| Financial debts170/4 | €34,586 | €24,653 | €14,565 | €4,317 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €18,392 | €28,909 | €30,495 | €20,451 | €18,975 | ▼ 7.2% |
| Current portion of amounts payable after more than one year42 | €9,778 | €9,932 | €10,088 | €10,248 | €4,317 | ▼ 57.9% |
| Financial debts43 | - | - | €2,500 | €2,500 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €2,500 | €2,500 | €0 | ▼ 100% |
| Trade debts44 | €3,476 | €10,683 | €4,250 | €4,367 | €3,657 | ▼ 16.3% |
| Suppliers440/4 | €3,476 | €10,683 | €4,250 | €4,367 | €3,657 | ▼ 16.3% |
| Taxes, remuneration and social security45 | €5,138 | €7,517 | €13,658 | €3,336 | €7,543 | ▲ 126% |
| Taxes450/3 | €5,138 | €7,517 | €7,018 | €3,336 | €7,543 | ▲ 126% |
| Remuneration and social security454/9 | - | - | €6,640 | €0 | - | - |
| Other amounts payable47/48 | - | €776 | €0 | - | €3,458 | - |
| Accrued charges and deferred income492/3 | €23,500 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,930 | -€16,130 | €12,252 | €12,383 | -€15,797 | ▼ 228% |
| + Depreciation and write-downs630 | €2,128 | €5,167 | €5,389 | €5,451 | €5,734 | ▲ 5.2% |
| Operating cash flow (approximation) | €27,058 | -€10,962 | €17,640 | €17,834 | -€10,063 | ▼ 156% |
| Investment in fixed assets (approximation) | - | -€547 | -€1,938 | -€1,545 | €0 | ▲ 100% |
| Change in cash | - | -€17,258 | €15,424 | -€16,113 | -€4,474 | ▲ 72.2% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €12,252
Net result €12,252 after one loss-making year.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet -€16,130
Net result drops to -€16,130, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Pajottegem · 1 establishment unit since 2019
Ground area
1,225 m²
Building footprint
359 m²
Volume, LiDAR
2,520 m³
2 parcels, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MDV Advocaat
since 20192.296.384.235
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23032I0271/00G000 | Flanders | 1,058 m² | 1 · 193 m² | 8.5 m · 2 fl. |
| 44809I0244/00P006 | Flanders | 167 m² | 1 · 166 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,075 companies in sector 69101 we hold annual accounts for 9,060. 5,242 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-12-2019
Fiscal year end30-09
Activities, NACEBEL 2025
69101Activities of lawyers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0738693503
Also
9925:BE0738693503
Registered
31-10-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.