UMANO
ActiveSummary
UMANO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174,938 and a net result of €169,938. The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Checked, nothing found (1)
History
Go further with this company
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover and EBIT margin not published: the micro schema does not require them.
Peer companies
Historical observationOf the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.4% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 11,279 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 | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,188 |
| Other operating charges640/8 | €276 |
| Gross operating margin9900 | €220,233 |
| Operating profit (loss)9901 | €216,769 |
| Financial income75/76B | €4,624 |
| Recurring financial income75 | €4,624 |
| Financial charges65/66B | €580 |
| Recurring financial charges65 | €580 |
| Profit (loss) for the period before taxes9903 | €220,812 |
| Income taxes67/77 | €50,875 |
| Profit (loss) for the period9904 | €169,938 |
| Profit (loss) for the period to be appropriated9905 | €169,938 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €235,491 | |
| Current assets29/58 | €235,491 | |
| Amounts receivable within one year40/41 | €77,955 | |
| Trade receivables40 | €3,000 | |
| Other amounts receivable41 | €74,955 | |
| Cash at bank and in hand54/58 | €142,000 | |
| Deferred charges and accrued income490/1 | €15,537 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €235,491 | |
| Equity10/15 | €174,938 | |
| Contributions10/11 | €5,000 | |
| Profit (loss) carried forward14 | €169,938 | |
| Amounts payable17/49 | €60,553 | |
| Amounts payable within one year42/48 | €60,553 | |
| Trade debts44 | €6,379 | |
| Suppliers440/4 | €6,379 | |
| Taxes, remuneration and social security45 | €54,174 | |
| Taxes450/3 | €50,875 | |
| Remuneration and social security454/9 | €3,300 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €169,938 |
| + Depreciation and write-downs630 | €3,188 |
| Operating cash flow (approximation) | €173,126 |
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
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071C0018/00D000 | Flanders | 854 m² | 1 · 83 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.