Tumic
ActiveThe computed 12-month bankruptcy probability of Tumic is 1.9% (moderate). The 2025 annual accounts show equity of €48k and a net result of €33k. Its solvency ranks better than 9% of 1025 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency12
Growth-
Stability67
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.93), and 96.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
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
3.5%
Return on assets
2.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 1025 sector peers (2025).
NBB · sector comparisonPosition among 1025 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€48k
Total assets
€1.37M
Net result
€33k
Working capital
€-39k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €1.37M
Fixed assets
€885k
Current assets
€485k
Equity and liabilities €1.37M
Equity
€48k
Debt
€1.32M
Debt finances 96.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€280k
Cash flow
€231k
Solvency
3.5%
Current ratio
0.93
Quick ratio
0.72
Debt / equity
27.72
ROE
68.5%
ROA
2.4%
Interest coverage
6.61
Debt
€1.32M
Debt ≤ 1 year
€524k
Debt > 1 year
€798k
Income taxes
€9k
Staff costs
€927k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€1.37M
Fixed assets21/28€885k
Intangible fixed assets21€436k
Tangible fixed assets22/27€448k
Plant, machinery and equipment23€105k
Furniture and vehicles24€21k
Leasing and similar rights25€322k
Current assets29/58€485k
Stocks and contracts in progress3€106k
Stocks30/36€106k
Amounts receivable within one year40/41€231k
Trade receivables40€231k
Cash at bank and in hand54/58€131k
Deferred charges and accrued income490/1€17k
Equity and liabilities
Total equity and liabilities10/49€1.37M
Equity10/15€48k
Contributions10/11€25k
Reserves13€23k
Distributable reserves133€23k
Profit (loss) carried forward14€0
Amounts payable17/49€1.32M
Amounts payable after more than one year17€798k
Financial debts170/4€798k
Amounts payable within one year42/48€524k
Current portion of amounts payable after more than one year42€155k
Financial debts43€130k
Credit institutions430/8€130k
Trade debts44€112k
Suppliers440/4€112k
Taxes, remuneration and social security45€117k
Taxes450/3€38k
Remuneration and social security454/9€78k
Other amounts payable47/48€10k
Accrued charges and deferred income492/3€493
Income statement
Code2025
Remuneration, social security and pensions62€927k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€198k
Other operating charges640/8€23k
Gross operating margin9900€1.23M
Operating profit (loss)9901€82k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€42k
Recurring financial charges65€42k
Profit (loss) for the period before taxes9903€41k
Income taxes67/77€9k
Profit (loss) for the period9904€33k
Profit (loss) for the period to be appropriated9905€33k
Appropriation of the result
Profit (loss) to be appropriated9906€33k
Transfer to equity691/2€23k
To other reserves6921€23k
Profit to be distributed694/7€10k
Directors or managers695€10k
Social balance
Average headcount (FTE)90878.1
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
NBB filing
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2024
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.
Vitshoekstraat 42070 Beveren-Kruibeke-ZwijndrechtGround area
5,999 m²
Building footprint
3,341 m²
Volume, LiDAR
22,347 m³
Parcel 11056H0776/00R000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tumic
since 20242.363.588.112
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056H0776/00R000 | Flanders | 5,998 m² | 1 · 3,341 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Schmiede - Metallbau Heribert Richardy
BE 0795.150.273
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BERNARDON M
BE 0416.699.330
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MILAN FEYEN
BE 0801.409.050
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FER ET FRERES LE BOULENGE
BE 0549.906.856
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SIMESCO
BE 0895.030.084
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Of 980 companies in sector 25401 we hold annual accounts for 406. 296 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2024
Fiscal year end31-12
Activities, NACEBEL
25401Forging of metal
25530Machining of metals
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.