TUMBZUP
ActiveTUMBZUP has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €5k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
73
/ 100
Healthy▲ +20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▲+2
Solvency97▲+6
Growth58=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.67 against 7.7 in 2024), and 44.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
55.5%
Return on assets
0.2%
Age of the figures
9 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
43 d early
2022
54 d early
2021
34 d early
2020
33 d early
2019
28 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.16M▼ 1.4%
2024 · €1.18M
2018: €1.97M
2019: €1.86M
2020: €1.83M
2021: €1.78M
2022: €1.75M
2023: €1.22M
2024: €1.18M
2018 → 2025
Total assets
€2.09M▼ 18.0%
2024 · €2.55M
2018: €3.19M
2019: €3.21M
2020: €3.42M
2021: €3.64M
2022: €3.53M
2023: €2.80M
2024: €2.55M
2018 → 2025
Net result
€5k
2024 · €-46k
2018: €-119k
2019: €-106k
2020: €-31k
2021: €-48k
2022: €-22k
2023: €-104k
2024: €-46k
2018 → 2025
Working capital
€234k▼ 66.3%
2024 · €694k
2018: €1.42M
2019: €1.85M
2020: €1.68M
2021: €1.74M
2022: €1.60M
2023: €932k
2024: €694k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.78M-€1.75M▼ 2.2%€1.22M▼ 30.0%€1.18M▼ 3.7%€1.16M▼ 1.4%
Operating result€-42k-€-627▲ 98.5%€-56k▼ 8,904%€-3k▲ 93.8%€-36k▼ 925%
Net result€-48k-€-22k▲ 54.5%€-104k▼ 377%€-46k▲ 56.2%€5k
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 stays negative: a loss of €36k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.09M
Fixed assets
€1.77M▲ 1.0%
Current assets
€321k▼ 59.7%
Equity and liabilities €2.09M
Equity
€1.16M▼ 1.4%
Debt
€930k▼ 32.2%
The debt ratio falls from 53.8% to 44.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€15k▼
2024 · €45k
Cash flow
€56k▲
2024 · €3k
Solvency
55.5%▲
2024 · 46.2%
Current ratio
3.67▼
2024 · 7.70
Quick ratio
3.67▲
2024 · 2.16
Debt / equity
0.80▼
2024 · 1.17
ROE
0.4%▲
2024 · -3.9%
ROA
0.2%▲
2024 · -1.8%
Interest coverage
0.55▼
2024 · 1.02
Debt
€930k▼
2024 · €1.37M
Debt ≤ 1 year
€87k▼
2024 · €104k
Debt > 1 year
€841k▼
2024 · €1.27M
Income taxes
€806▲
2024 · €317
Staff costs
€0
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€2.55M€2.09M▼
Fixed assets21/28€1.75M€1.77M▲
Tangible fixed assets22/27€1.15M€1.15M=
Land and buildings22€1.09M€1.05M▼
Plant, machinery and equipment23€7k€19k▲
Furniture and vehicles24€0€34k▲
Other tangible fixed assets26€62k€49k▼
Financial fixed assets28€596k€614k▲
Current assets29/58€798k€321k▼
Stocks and contracts in progress3€574k€0▼
Stocks30/36€574k€0▼
Amounts receivable within one year40/41€6k€22k▲
Trade receivables40€6k€22k▲
Other amounts receivable41€13€0▼
Current investments50/53€21k€21k=
Cash at bank and in hand54/58€182k€259k▲
Deferred charges and accrued income490/1€15k€19k▲
Equity and liabilities
Total equity and liabilities10/49€2.55M€2.09M▼
Equity10/15€1.18M€1.16M▼
Contributions10/11€6k€6k=
Reserves13€582k€566k▼
Distributable reserves133€582k€566k▼
Profit (loss) carried forward14€588k€588k=
Amounts payable17/49€1.37M€930k▼
Amounts payable after more than one year17€1.27M€841k▼
Financial debts170/4€1.27M€841k▼
Amounts payable within one year42/48€104k€87k▼
Current portion of amounts payable after more than one year42€62k€60k▼
Trade debts44€34k€21k▼
Suppliers440/4€34k€21k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€2k€3k▲
Accrued charges and deferred income492/3-€712
Income statement
Code20242025
Non-recurring operating income76A€213€0▼
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€51k▲
Other operating charges640/8€9k€10k▲
Non-recurring operating charges66A€889€0▼
Gross operating margin9900€55k€25k▼
Operating profit (loss)9901€-3k€-36k▼
Financial income75/76B€2k€70k▲
Recurring financial income75€2k€2k▼
Non-recurring financial income76B-€68k
Financial charges65/66B€44k€28k▼
Recurring financial charges65€44k€28k▼
Profit (loss) for the period before taxes9903€-45k€6k▲
Income taxes67/77€317€806▲
Profit (loss) for the period9904€-46k€5k▲
Profit (loss) for the period to be appropriated9905€-46k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€588k€593k▲
Profit (loss) brought forward from the previous period14P€634k€588k▼
Transfer from equity791/2-€21k
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7-€21k
Return on contributions (dividend)694-€21k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 7 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 4 establishment units since 2011
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.
Vismarkt 113000 LeuvenGround area
1,103 m²
Building footprint
741 m²
Volume, LiDAR
8,794 m³
3 parcels, Flanders · tallest building 23.6 m, ±7 floors. Linked by address, not a title deed.
4 establishment units
TUMBZUP
since 20112.198.800.750
AirBnB Zeebrugge
since 20182.321.584.142
AirBnB Leuven
since 20192.321.584.241
AirBnB + kantoor Antwerpen
since 20212.321.584.340
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D0233/00S000 | Flanders | 495 m² | 1 · 325 m² | 15.2 m · 4 fl. |
| 24062A1092/00M000 | Flanders | 427 m² | 2 · 217 m² | 13.0 m · 3 fl. |
| 31813R0625/03M007 | Flanders | 181 m² | 1 · 199 m² | 23.6 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Legal Entity Identifier
699400MXW7SL1S9IRQ49
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CONSULTING DEN BERG 127
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Of 1,849 companies in sector 55204 we hold annual accounts for 445. 190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2011
Fiscal year end31-12
Activities, NACEBEL
55204Guest rooms (bed and breakfast)
85599Other education
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.