Equity
-€90,813
Debts exceed assets in financial year 2025.
Tumb
Lifetime
7 annual accounts with figures on one time axispeak €7,757 (2025)
€7,757▲ 292%
lowest -€190,045 (2019)
€101,028▲ 82×
peak -€89,845 (2019)
-€90,813▲ €101,028
€91,483▼ 52.5%
Board2 names since 2017
1 directorHERNO
Owners2 names in the annual accounts
Documentsfilings and deeds
28-07-20263 days before the deadline
2025financial year
Gross margin from €1,981 to €7,757Result from €1,231 to €101,028Equity from -€191,841 to -€90,813Debts from €192,469 to €91,483Cash from €103 to €145
Key points
from the 2025 annual accountsChecked score
55
Fair
Financially stronger than 49% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.8%
01-2025: 2.8%● unchanged vs 12-2024
02-2025: 2.8%● unchanged vs 01-2025
03-2025: 2.8%● unchanged vs 02-2025
04-2025: 3.0%▲ +0.2 percentage points vs 03-2025
05-2025: 3.2%▲ +0.2 percentage points vs 04-2025
06-2025: 3.5%▲ +0.3 percentage points vs 05-2025
07-2025: 3.8%▲ +0.3 percentage points vs 06-2025highest value
08-2025: 2.3%▼ -1.5 percentage points vs 07-2025
09-2025: 2.0%▼ -0.3 percentage points vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 2.0%● unchanged vs 11-2025
01-2026: 2.0%● unchanged vs 12-2025
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 2.0%● unchanged vs 02-2026
04-2026: 2.2%▲ +0.2 percentage points vs 03-2026
05-2026: 2.7%▲ +0.5 percentage points vs 04-2026
06-2026: 2.9%▲ +0.2 percentage points vs 05-2026
07-2026: 3.0%▲ +0.1 percentage points vs 06-2026
08-2026: 1.8%▼ -1.2 percentage points vs 07-2026
09-2026: 1.8%● unchanged vs 08-2026
10-2026: 0.9%▼ -0.9 percentage points vs 09-2026lowest value
11-2026: 0.9%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
No main activity registered
Negative equity -€90,813
lowers risk
Size: total assets €670
Legal form: public limited company
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 15% on liquidity, 90% on profitability and 87% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,180 companies had the same profile as Tumb has now. Each dot stands for 6 companies, two years later.
88.7%
were still trading
5.8%
stopped another way
4.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Tumb itself is lower: 0.9% within 12 months. It rests on far more data about Tumb than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,180 companies, not a prediction for Tumb. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 days early
2024
16 days early
2023
7 days early
2022
5 days early
2021
4 days early
2020
31 days early
2019
146 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 11 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0678506387
Registered office moved from Asse to Buizingen
New registered office: Kesterbeekbos 19 bus B, 1501 Buizingen · Previous registered office: Nerviërsstraat 34 bus a, 1730 Asse · Registered office clause: Nerviërsstraat 34 bus a, 1730 Asse · General meeting of 23-07-2024 · Gazette deed
New sole director
HERNO appointed, ALD INVEST resigned · Permanent representative: Wim HERNAUT · Director discharge: ALD INVEST · General meeting of 21-01-2023 · Gazette deed
Registered office moved from Brussels to Asse
New registered office: Nerviërsstraat 34 bus a, 1730 Asse · Previous registered office: Louizalaan 523, 1050 BRUSSEL · Permanent representatives: Wim HERNAUT and Eugène Alen · General meeting of 27-03-2020 · Gazette deed
Official details
Source: KBO- Status
- Active since 12-07-2017Normal situation
- Activity
- “Het leveren van consultancyactiviteiten op alle mogelijke gebieden maar voornamelijk in de ecommerce” (deed in Dutch)From the articles, 12 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.269.111.2011501 Halle, since 12-07-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 12-01-2026
Annual accounts 2025
- ≈ €52,000estimated
- €670▲ 6.7%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on Tumb
Tumb has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€90,813) and a net result of €101,028.
Equity has been shrinking by about 10% per year since 2019. The computed 12-month bankruptcy probability is 0.9% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Tumb
- What is the company number of Tumb?
- The company number of Tumb is 0678.506.387. The VAT number is the same number with BE in front: BE 0678.506.387.
- Where is Tumb based?
- The registered office is at Kesterbeekbos 19, 1501 Halle.Company details
- What is the legal form of Tumb?
- Tumb is a public limited company (NV).
- When was Tumb founded?
- Tumb was founded on 12-07-2017.
- Is Tumb still active?
- Yes, Tumb is an active enterprise in the KBO register.
- What is the turnover of Tumb?
- The turnover in financial year 2025 is ≈ €52,000. This figure is estimated from the gross margin of €7,757 and 2,724 comparable companies of the same size. It probably lies between €22,000 and €130,000. It is a rough estimate.Financials
- Is Tumb profitable?
- In financial year 2025, Tumb made a profit of €101,028.
- Where can I find the annual accounts of Tumb?
- Tumb filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Tumb due?
- Tumb must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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