UMAMI
ActiveSummary
The computed 12-month bankruptcy probability of UMAMI is 4.9% (elevated). The 2024 annual accounts show equity of €16,904 and a net result of €1,215. Equity is growing by about 19% per year across the filed financial years. Its solvency ranks better than 21% of 20,548 sector peers (NACE 62, financial year 2024). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €16,904
- Profit
- €1,215
- Holdings
- 1
Why 37raises riskFigures for financial year 2024 (filed 30-08-2025)Founded in 20211 financial year not filed after the legal deadline; latest accounts 29 days lateSector: Construction of residential and non-residential buildings (NACE 41)Show the evidence
Checked score
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 34% on solvency, 12% on liquidity, 34% on profitability and 50% on growth.
The bankruptcy probability was computed on 17-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 4 accounts on average 22 days after the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (1)
- MiscellaneousDirector in office · Registered-office…
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet €1,215 ▼53.8%
Financials · financial year 2024, micro format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 Financial year closed on 31 December 2025; filing due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 18 October 2026.
2021 to 2024, 4 financial years
The operating result has fallen two years in a row; 2024 is 25% below 2023 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 3,274 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 94.7% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.9% 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 497,472 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 74.5% 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 3,274 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.
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,050 | €3,463 | €3,658 | €2,805 | ▼ 23.3% |
| Other operating charges640/8 | €403 | €494 | €2,651 | €2,944 | ▲ 11.0% |
| Gross operating margin9900 | €9,362 | €12,059 | €12,088 | €10,068 | ▼ 16.7% |
| Operating profit (loss)9901 | €7,909 | €8,101 | €5,779 | €4,320 | ▼ 25.3% |
| Financial income75/76B | - | €0 | - | €8 | - |
| Recurring financial income75 | - | €0 | - | €8 | - |
| Financial charges65/66B | €20 | €285 | €720 | €1,486 | ▲ 106% |
| Recurring financial charges65 | €20 | €285 | €720 | €1,486 | ▲ 106% |
| Profit (loss) for the period before taxes9903 | €7,890 | €7,816 | €5,059 | €2,841 | ▼ 43.8% |
| Income taxes67/77 | €3,378 | €3,269 | €2,429 | €1,626 | ▼ 33.0% |
| Profit (loss) for the period9904 | €4,512 | €4,547 | €2,630 | €1,215 | ▼ 53.8% |
| Profit (loss) for the period to be appropriated9905 | €4,512 | €4,547 | €2,630 | €1,215 | ▼ 53.8% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €31,299 | €39,359 | €48,151 | €63,244 | ▲ 31.3% |
| Fixed assets21/28 | €17,808 | €19,792 | €18,375 | €16,591 | ▼ 9.7% |
| Tangible fixed assets22/27 | €5,808 | €7,792 | €6,375 | €4,591 | ▼ 28.0% |
| Plant, machinery and equipment23 | €3,668 | €2,359 | €691 | €436 | ▼ 36.9% |
| Furniture and vehicles24 | €341 | €4,300 | €4,790 | €3,502 | ▼ 26.9% |
| Other tangible fixed assets26 | - | €1,134 | €894 | €654 | ▼ 26.9% |
| Assets under construction and advance payments27 | €1,798 | - | - | - | - |
| Financial fixed assets28 | €12,000 | €12,000 | €12,000 | €12,000 | = |
| Current assets29/58 | €13,492 | €19,567 | €29,776 | €46,653 | ▲ 56.7% |
| Amounts receivable within one year40/41 | €4,409 | €19,247 | €28,777 | €46,132 | ▲ 60.3% |
| Trade receivables40 | €4,409 | €17,476 | €22,386 | €42,339 | ▲ 89.1% |
| Other amounts receivable41 | - | €1,771 | €6,390 | €3,793 | ▼ 40.6% |
| Cash at bank and in hand54/58 | €4,175 | €290 | €40 | €407 | ▲ 919% |
| Deferred charges and accrued income490/1 | €4,908 | €30 | €960 | €114 | ▼ 88.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €31,299 | €39,359 | €48,151 | €63,244 | ▲ 31.3% |
| Equity10/15 | €8,512 | €13,059 | €15,689 | €16,904 | ▲ 7.7% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Profit (loss) carried forward14 | €4,512 | €9,059 | €11,689 | €12,904 | ▲ 10.4% |
| Amounts payable17/49 | €22,788 | €26,301 | €32,462 | €46,340 | ▲ 42.8% |
| Amounts payable after more than one year17 | - | - | €6,608 | €3,261 | ▼ 50.6% |
| Financial debts170/4 | - | - | €6,608 | €3,261 | ▼ 50.6% |
| Amounts payable within one year42/48 | €22,788 | €24,656 | €24,729 | €43,079 | ▲ 74.2% |
| Current portion of amounts payable after more than one year42 | - | €4,000 | €8,140 | €3,347 | ▼ 58.9% |
| Financial debts43 | - | €2,232 | €1,581 | - | - |
| Credit institutions430/8 | - | €2,232 | €1,581 | - | - |
| Trade debts44 | €12,554 | €3,680 | €5,489 | €14,068 | ▲ 156% |
| Suppliers440/4 | €12,554 | €3,680 | €5,489 | €14,068 | ▲ 156% |
| Advances received on contracts in progress46 | €3,000 | - | €1,278 | €1,662 | ▲ 30.1% |
| Taxes, remuneration and social security45 | €4,901 | €11,274 | €8,241 | €17,666 | ▲ 114% |
| Taxes450/3 | €4,901 | €9,664 | €8,241 | €17,666 | ▲ 114% |
| Remuneration and social security454/9 | - | €1,609 | - | - | - |
| Other amounts payable47/48 | €2,333 | €3,470 | - | €6,336 | - |
| Accrued charges and deferred income492/3 | - | €1,645 | €1,126 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,512 | €4,547 | €2,630 | €1,215 | ▼ 53.8% |
| + Depreciation and write-downs630 | €1,050 | €3,463 | €3,658 | €2,805 | ▼ 23.3% |
| Operating cash flow (approximation) | €5,562 | €8,010 | €6,288 | €4,020 | ▼ 36.1% |
| Investment in fixed assets (approximation) | - | -€5,448 | -€2,240 | -€1,021 | ▲ 54.4% |
| Change in cash | - | -€3,885 | -€250 | €367 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (4)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | micro format | 29-08-2025 | 2025-00447166 |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00444792 |
| 31-12-2022 | micro format | 27-07-2023 | 2023-00287532 |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20407077 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
-
1%
According to the 2022 annual accounts of UMAMI and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Connections & network
No directors read yet: 1 of 3 Gazette acts processed.
History
Acts, filings and financial milestones
22-07
Gazette deed
MiscellaneousDirector in office · Registered-office move4 facts ▸
- Board meeting, 01-04-2026
- Director in office, Nicolas Rossion (sole director)
- Registered-office move, Rue Sergent Collin 4 5030 Gembloux
- Other provision, “entrée en vigueur de la décision”, 01-04-2026 (deed in French)
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 18 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0765.877.653
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92011C0139/00N004 | Wallonia | 1,523 m² | 1 · 108 m² | - |