TUMI THERAPEUTICS
ActiveSummary
TUMI THERAPEUTICS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €39k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+41
Solvency63▲+2
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 1.78 in 2024; short-term debt: 28.6% and cash: 78.2% of total assets), but 61.8% of the assets are financed with debt.
Credit check for your own amount and term
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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
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
38.2%
Return on assets
9.3%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
14 d early
2023
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€162k▲ 32.1%
2024 · €123k
2023: €114k
2024: €123k
2023 → 2025
Total assets
€424k▲ 24.0%
2024 · €342k
2023: €350k
2024: €342k
2023 → 2025
Net result
€39k▲ 336%
2024 · €9k
2023: €35k
2024: €9k
2023 → 2025
Working capital
€294k▲ 103%
2024 · €145k
2023: €148k
2024: €145k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€114k-€123k▲ 7.9%€162k▲ 32.1%
Operating result€47k-€21k▼ 55.3%€55k▲ 159%
Net result€35k-€9k▼ 74.3%€39k▲ 336%
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 recovers in 2025; 2025 is 159% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424k
Fixed assets
€9k ▼ 29.6%
Current assets
€415k ▲ 26.0%
Equity and liabilities €424k
Equity
€162k ▲ 32.1%
Debt
€262k ▲ 19.5%
Debt's share of the balance-sheet total falls from 64.2% to 61.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €25k
Cash flow
€43k▲
2024 · €13k
Current ratio
3.42▲
2024 · 1.78
Debt to equity
1.62▼
2024 · 1.79
ROE
24.3%▲
2024 · 7.4%
ROA
9.3%▲
2024 · 2.6%
Interest coverage
7.50▲
2024 · 2.07
Debt ≤ 1 year
€121k▼
2024 · €185k
Income taxes
€10k▲
2024 · €3k
Staff costs
€143k▲
2024 · €134k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€342k€424k▲
Fixed assets21/28€12k€9k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€330k€415k▲
Amounts receivable within one year40/41€40k€84k▲
Trade receivables40€24k€24k▲
Other amounts receivable41€16k€60k▲
Cash at bank and in hand54/58€290k€332k▲
Deferred charges and accrued income490/1€48€184▲
Equity and liabilities
Total equity and liabilities10/49€342k€424k▲
Equity10/15€123k€162k▲
Contributions10/11€939€939=
Reserves13€122k€161k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€117k€157k▲
Amounts payable17/49€219k€262k▲
Amounts payable within one year42/48€185k€121k▼
Financial debts43€5k€3k▼
Credit institutions430/8€5k€3k▼
Trade debts44€94k€21k▼
Suppliers440/4€94k€21k▼
Taxes, remuneration and social security45€15k€27k▲
Remuneration and social security454/9€15k€27k▲
Other amounts payable47/48€71k€70k▼
Accrued charges and deferred income492/3€34k€141k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€134k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€817€61▼
Non-recurring operating charges66A€0-
Gross operating margin9900€160k€202k▲
Operating profit (loss)9901€21k€55k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€12k€8k▼
Recurring financial charges65€12k€8k▼
Profit (loss) for the period before taxes9903€12k€50k▲
Income taxes67/77€3k€10k▲
Profit (loss) for the period9904€9k€39k▲
Profit (loss) for the period to be appropriated9905€9k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€39k▲
Transfer to equity691/2€9k€39k▲
To other reserves6921€9k€39k▲
The notes to these accounts (14 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €39k ▲336%
Operating result €55k, net result €39k, both a record.
31-12
Financial
Equity above €150kEq €162k ▲32.1%
3 profitable years in a row build equity to €162k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €9k ▼74.3%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Heusden-Zolder · 5 establishment units since 2022
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.
De Lobbert 63550 Heusden-ZolderGround area
1.2 ha
Building footprint
1,939 m²
Volume, LiDAR
9,908 m³
5 parcels, Flanders · tallest building 17.6 m, ±3 floors. Linked by address, not a title deed.
5 establishment units
TUMI THERAPEUTICS
since 20222.340.535.962
TUMI THERAPEUTICS
since 20222.340.536.061
TUMI THERAPEUTICS
since 20222.340.536.160
TUMI THERAPEUTICS
since 20222.340.536.259
TUMI THERAPEUTICS
since 20222.340.536.358
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72342A0627/00G000 | Flanders | 5,789 m² | 1 · 346 m² | 17.6 m · 2 fl. |
| 24514B0186/00S000 | Flanders | 3,077 m² | 1 · 918 m² | 6.5 m · 2 fl. |
| 72027B0565/00A000 | Flanders | 1,575 m² | 1 · 240 m² | 0.7 m |
| 71025A0073/00K117 | Flanders | 1,170 m² | 1 · 244 m² | 6.6 m · 2 fl. |
| 71017A0188/00N003 | Flanders | 690 m² | 1 · 191 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Lofar Consulting
BE 0784.967.055
Kluisbergen · Eq €128k
Washington Garden Consulting Center
BE 0728.954.307
Elsene · Eq €256k
ALFAFOCUS
BE 0474.730.866
Tessenderlo-Ham · Eq €76k
APEIRON DEVELOPMENT CENTER
BE 0454.077.982
Aalst · Eq €67k
COMPETENCES ET EQUILIBRE
BE 0806.997.438
Waterloo · Eq €64k
Of 250 companies in sector 86932 we hold annual accounts for 24. 18 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86932Human health activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.