TUMSBOUW
Open bankruptcyA bankruptcy procedure is open for TUMSBOUW according to publications in the Belgian State Gazette; curator: MARC LEEMANS. The 2024 annual accounts show equity of €77k and a net result of €-11k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
28 d early
2022
9 d late
2021
17 d early
2020
89 d late
2019
124 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€77k▼ 12.6%
2023 · €89k
2018: €17k
2019: €31k
2020: €61k
2021: €66k
2022: €80k
2023: €89k
2018 → 2024
Total assets
€91k▼ 22.1%
2023 · €117k
2018: €79k
2019: €61k
2020: €83k
2021: €90k
2022: €200k
2023: €117k
2018 → 2024
Net result
€-11k
2023 · €9k
2018: €11k
2019: €1k
2020: €31k
2021: €5k
2022: €13k
2023: €9k
2018 → 2024
Working capital
€65k▼ 3.3%
2023 · €67k
2018: €29k
2019: €34k
2020: €65k
2021: €64k
2022: €45k
2023: €67k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€61k-€66k▲ 8.2%€80k▲ 20.3%€89k▲ 10.9%€77k▼ 12.6%
Operating result€35k-€6k▼ 82.5%€18k▲ 198%€12k▼ 34.8%€-10k
Net result€31k-€5k▼ 83.6%€13k▲ 169%€9k▼ 35.7%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €12k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €91k
Fixed assets
€12k▼ 41.6%
Current assets
€78k▼ 17.7%
Equity and liabilities €91k
Equity
€77k▼ 12.6%
Debt
€14k▼ 52.0%
The debt ratio falls from 24.1% to 14.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-802▼
2023 · €21k
Cash flow
€-2k▼
2023 · €18k
Solvency
85.1%▲
2023 · 75.9%
Current ratio
5.80▲
2023 · 3.38
Quick ratio
5.80▲
2023 · 3.38
Debt / equity
0.17▼
2023 · 0.32
ROE
-14.4%▼
2023 · 9.8%
ROA
-12.3%▼
2023 · 7.4%
Interest coverage
-0.43▼
2023 · 7.16
Debt
€14k▼
2023 · €28k
Debt ≤ 1 year
€14k▼
2023 · €28k
Income taxes
€2k▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€117k€91k▼
Fixed assets21/28€21k€12k▼
Tangible fixed assets22/27€21k€12k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€19k€11k▼
Current assets29/58€95k€78k▼
Amounts receivable within one year40/41€73k€75k▲
Trade receivables40€22k€45k▲
Other amounts receivable41€52k€30k▼
Cash at bank and in hand54/58€3k€3k▼
Deferred charges and accrued income490/1€19k€937▼
Equity and liabilities
Total equity and liabilities10/49€117k€91k▼
Equity10/15€89k€77k▼
Contributions10/11€19k€19k=
Reserves13€70k€59k▼
Distributable reserves133€70k€59k▼
Amounts payable17/49€28k€14k▼
Amounts payable within one year42/48€28k€14k▼
Trade debts44€21k€13k▼
Suppliers440/4€21k€13k▼
Taxes, remuneration and social security45€7k€283▼
Taxes450/3€7k€283▼
Other amounts payable47/48€200-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€7k€582▼
Gross operating margin9900€28k€-220▼
Operating profit (loss)9901€12k€-10k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€12k€-9k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€9k€-11k▼
Profit (loss) for the period to be appropriated9905€9k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-11k▼
Transfer from equity791/2-€11k
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
18-02
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · TUMSBOUW BV BRUSSEL- STRAAT 51, 2018 ANTWERPEN 1 · event 12-02-2026
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €-11k ▼229%
Net result drops to €-11k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.38
Current ratio from 1.41 to 3.38; short-term debt falls from €111k to €28k.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €31k ▲2309%
Operating result €35k, net result €31k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.25
Current ratio from 2.62 to 5.25; short-term debt falls from €21k to €15k.
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 124 days late
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 120 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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
1 establishment unit since 2017
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.
Ground area
366 m²
Building footprint
323 m²
Volume, LiDAR
4,481 m³
2 parcels, Flanders · tallest building 22.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
FATA MORGANA
since 20172.270.659.934
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3838/00N000 | Flanders | 261 m² | 1 · 261 m² | 22.5 m · 6 fl. |
| 11442C0225/00G003 | Flanders | 105 m² | 1 · 62 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | MARC LEEMANS PLANTINKAAI 24,
2000 ANTWERPEN 1 |
12-02-2026 → present |
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 1,372 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2017
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:rb.morganan@gmail.com