TUMI
ActiveSummary
TUMI has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€97,029) and a net result of €69,818. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 20780 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.28 against 0.17 in 2023; short-term debt: 337.8% and cash: 68.6% of total assets), and equity is negative.
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Signals
Five 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
-237.8%
Return on assets
171.1%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 20780 sector peers (2024).
NBB · sector comparisonPosition among 20780 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
28 d late
2022
17 d late
2021
29 d late
2020
30 d late
2019
10 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 21 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
-€97,029▲ 41.8%
2023 · -€166,847
Total assets
€40,810▲ 18.3%
2023 · €34,500
Net result
€69,818▲ 87.9%
2023 · €37,155
Working capital
-€98,620▲ 41.0%
2023 · -€167,185
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€10,437▲ 7.3%€6,951€6,570▼ 5.5%€37,149▲ 465%€69,863▲ 88.1%
Net result-€10,640below the sector's middle half▲ 7.2%€6,708within the sector's middle half€6,448within the sector's middle half▼ 3.9%€37,155within the sector's middle half▲ 476%€69,818above the sector's middle half▲ 87.9%
Equity-€217,158below the sector's middle half▼ 5.2%-€210,450below the sector's middle half▲ 3.1%-€204,002below the sector's middle half▲ 3.1%-€166,847below the sector's middle half▲ 18.2%-€97,029below the sector's middle half▲ 41.8%
Total assets€1,361below the sector's middle half▼ 63.4%€3,919below the sector's middle half▲ 188%€3,151below the sector's middle half▼ 19.6%€34,500below the sector's middle half▲ 995%€40,810below the sector's middle half▲ 18.3%
Debt€218,519▲ 3.9%€214,369▼ 1.9%€207,152▼ 3.4%€201,347▼ 2.8%€137,838▼ 31.5%
Working capital-€217,410below the sector's middle half▼ 4.1%-€210,702below the sector's middle half▲ 3.1%-€204,642below the sector's middle half▲ 2.9%-€167,185below the sector's middle half▲ 18.3%-€98,620below the sector's middle half▲ 41.0%
Solvency-483.6%below the sector's middle half-237.8%below the sector's middle half▲ 245.9pp
Current ratio0.17below the sector's middle half0.28below the sector's middle half▲ 0.11
Return on assets (ROA)107.7%above the sector's middle half171.1%above the sector's middle half▲ 63.4pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 88% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €40,810
Fixed assets
€1,591 ▲ 371%
Current assets
€39,219 ▲ 14.8%
Equity and liabilities
Equity-€97,029
Debt€137,838
Equity is negative: debt (€137,838) exceeds the balance-sheet total (€40,810).
Key figures and ratios
EBITDA
€70,263▲
2023 · €37,452
Cash flow
€70,218▲
2023 · €37,457
Interest coverage
1561.40▲
2023 · 832.26
Debt ≤ 1 year
€137,838▼
2023 · €201,347
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,795 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
5.3%
stopped otherwise
92%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% 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 497,341 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% | 1.8% |
| 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 3,795 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,375 | - | €268 | €303 | €399 | ▲ 31.9% |
| Other operating charges640/8 | - | €1,716 | €419 | €1,301 | €655 | ▼ 49.6% |
| Gross operating margin9900 | -€7,307 | €8,667 | €7,258 | €38,753 | €70,918 | ▲ 83.0% |
| Operating profit (loss)9901 | -€10,437 | €6,951 | €6,570 | €37,149 | €69,863 | ▲ 88.1% |
| Financial income75/76B | - | - | €4 | €50 | - | - |
| Recurring financial income75 | - | - | €4 | €50 | - | - |
| Financial charges65/66B | - | €79 | €126 | €45 | €45 | = |
| Recurring financial charges65 | €57 | €79 | €126 | €45 | €45 | = |
| Profit (loss) for the period before taxes9903 | -€10,494 | €6,873 | €6,448 | €37,155 | €69,818 | ▲ 87.9% |
| Income taxes67/77 | €146 | €165 | - | - | - | - |
| Profit (loss) for the period9904 | -€10,640 | €6,708 | €6,448 | €37,155 | €69,818 | ▲ 87.9% |
| Profit (loss) for the period to be appropriated9905 | -€10,640 | €6,708 | €6,448 | €37,155 | €69,818 | ▲ 87.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1,361 | €3,919 | €3,151 | €34,500 | €40,810 | ▲ 18.3% |
| Fixed assets21/28 | €252 | €252 | €640 | €338 | €1,591 | ▲ 371% |
| Tangible fixed assets22/27 | - | - | €640 | €338 | €1,591 | ▲ 371% |
| Furniture and vehicles24 | - | - | €640 | €338 | €1,591 | ▲ 371% |
| Financial fixed assets28 | €252 | €252 | - | - | - | - |
| Current assets29/58 | €1,109 | €3,667 | €2,510 | €34,162 | €39,219 | ▲ 14.8% |
| Amounts receivable within one year40/41 | €643 | €913 | €110 | €12,663 | €11,236 | ▼ 11.3% |
| Trade receivables40 | - | €859 | - | €12,553 | €11,126 | ▼ 11.4% |
| Other amounts receivable41 | - | €55 | €110 | €110 | €110 | = |
| Cash at bank and in hand54/58 | €465 | €2,753 | €2,400 | €21,499 | €27,983 | ▲ 30.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1,361 | €3,919 | €3,151 | €34,500 | €40,810 | ▲ 18.3% |
| Equity10/15 | -€217,158 | -€210,450 | -€204,002 | -€166,847 | -€97,029 | ▲ 41.8% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €34,126 | €34,126 | €34,126 | €34,126 | €34,126 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | - | - | - |
| Distributable reserves133 | - | €32,266 | €32,266 | €34,126 | €34,126 | = |
| Profit (loss) carried forward14 | -€269,876 | -€263,168 | -€256,719 | -€219,565 | -€149,746 | ▲ 31.8% |
| Amounts payable17/49 | €218,519 | €214,369 | €207,152 | €201,347 | €137,838 | ▼ 31.5% |
| Amounts payable within one year42/48 | €218,519 | €214,369 | €207,152 | €201,347 | €137,838 | ▼ 31.5% |
| Trade debts44 | €2,105 | €143 | - | - | - | - |
| Suppliers440/4 | - | €143 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €4,006 | €631 | €6,340 | €5,406 | ▼ 14.7% |
| Taxes450/3 | - | €406 | €631 | €6,340 | €5,406 | ▼ 14.7% |
| Remuneration and social security454/9 | - | €3,600 | - | - | - | - |
| Other amounts payable47/48 | - | €210,219 | €206,521 | €195,006 | €132,433 | ▼ 32.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,640 | €6,708 | €6,448 | €37,155 | €69,818 | ▲ 87.9% |
| + Depreciation and write-downs630 | €2,375 | - | €268 | €303 | €399 | ▲ 31.9% |
| Operating cash flow (approximation) | -€8,265 | €6,708 | €6,716 | €37,457 | €70,218 | ▲ 87.5% |
| Investment in fixed assets (approximation) | - | €0 | -€656 | €0 | -€1,653 | - |
| Change in cash | - | €2,288 | -€353 | €19,099 | €6,484 | ▼ 66.1% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €69,818 ▲87.9%
Operating result €69,863, net result €69,818, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €6,708
Net result €6,708 after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
21-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€11,470
Net result drops to -€11,470, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Spiere-Helkijn · 1 establishment unit since 1992
Ground area
1,417 m²
Building footprint
299 m²
Volume, LiDAR
1,373 m³
Parcel 34036A0141/00B000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SkilledPixels BV
since 1992unit no. 2.029.825.166
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34036A0141/00B000 | Flanders | 1,417 m² | 1 · 298 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 16,913 companies in this sector we hold annual accounts for 8,787. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded14-10-1987
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0432106690
Also
9925:BE0432106690
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.