UMANS-GEERKENS
ActiveSummary
UMANS-GEERKENS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €2k. Equity is shrinking by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+65
Solvency69=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.58 in 2024; short-term debt: 55.7% and cash: 52.1% of total assets), but 55.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
60 d early
2023
58 d early
2022
59 d early
2021
52 d early
2020
40 d early
2019
58 d early
← 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
€12k▲ 17.5%
2024 · €10k
2018: €22k
2019: €21k
2020: €19k
2021: €20k
2022: €22k
2023: €13k
2024: €10k
2018 → 2025
Total assets
€26k▲ 15.5%
2024 · €22k
2018: €22k
2019: €22k
2020: €26k
2021: €25k
2022: €37k
2023: €25k
2024: €22k
2018 → 2025
Net result
€2k
2024 · €-3k
2018: €-3k
2019: €-885
2020: €36
2021: €1k
2022: €2k
2023: €-10k
2024: €-3k
2018 → 2025
Working capital
€9k▲ 27.9%
2024 · €7k
2018: €20k
2019: €20k
2020: €15k
2021: €18k
2022: €15k
2023: €8k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€22k▲ 11.9%€13k▼ 43.2%€10k▼ 22.4%€12k▲ 17.5%
Operating result€3k-€3k▲ 10.6%€-8k€-2k▲ 78.7%€4k
Net result€1k-€2k▲ 94.0%€-10k€-3k▲ 70.5%€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€2k ▼ 14.1%
Current assets
€24k ▲ 19.1%
Equity and liabilities €26k
Equity
€12k ▲ 17.5%
Debt
€14k ▲ 14.0%
Debt's share of the balance-sheet total falls from 56.4% to 55.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▲
2024 · €784
Cash flow
€3k▲
2024 · €-261
Current ratio
1.65▲
2024 · 1.58
Debt to equity
1.26▼
2024 · 1.30
ROE
14.9%▲
2024 · -28.9%
ROA
6.6%▲
2024 · -12.6%
Interest coverage
9.58▲
2024 · 1.11
Debt ≤ 1 year
€14k▲
2024 · €13k
Income taxes
€2k▲
2024 · €341
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22k€26k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Land and buildings22€884€693▼
Plant, machinery and equipment23€87€13▼
Furniture and vehicles24€1k€1k▼
Current assets29/58€20k€24k▲
Amounts receivable within one year40/41€5k€5k=
Trade receivables40€5k€5k▲
Other amounts receivable41€310-
Cash at bank and in hand54/58€6k€14k▲
Deferred charges and accrued income490/1€9k€5k▼
Equity and liabilities
Total equity and liabilities10/49€22k€26k▲
Equity10/15€10k€12k▲
Contributions10/11€6k€6k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-9k€-7k▲
Amounts payable17/49€13k€14k▲
Amounts payable within one year42/48€13k€14k▲
Trade debts44€121€705▲
Suppliers440/4€121€705▲
Taxes, remuneration and social security45€592€2k▲
Taxes450/3€592€2k▲
Other amounts payable47/48€12k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€825€842▲
Gross operating margin9900€2k€6k▲
Operating profit (loss)9901€-2k€4k▲
Financial charges65/66B€704€541▼
Recurring financial charges65€704€541▼
Profit (loss) for the period before taxes9903€-2k€3k▲
Income taxes67/77€341€2k▲
Profit (loss) for the period9904€-3k€2k▲
Profit (loss) for the period to be appropriated9905€-3k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-7k▲
Profit (loss) brought forward from the previous period14P€-6k€-9k▼
The notes to these accounts (7 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
01-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-10k ▼508%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €2k ▲94%
Net result €2k, the highest in the series.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €36
Net result €36 after 2 loss-making years.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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
Registered office, Diepenbeek · 1 establishment unit since 2009
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.
Vilveld 13590 DiepenbeekGround area
1,532 m²
Building footprint
370 m²
Volume, LiDAR
556 m³
Parcel 71402C1193/00A000, Flanders · tallest building 9.6 m. Linked by address, not a title deed.
1 establishment unit
UMANS-GEERKENS
since 20092.176.620.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402C1193/00A000 | Flanders | 1,532 m² | 1 · 370 m² | 9.6 m |
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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesUMANS-GEERKENS BV38523
Similar companies · same sector, comparable size
BELUTH
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BE 1023.729.090
Hemiksem · Eq €11,524
CLEMMENS CONSULT
BE 0870.959.634
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EA SUYS
BE 0795.415.440
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BVB TECHNICS
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Mol · Eq €11,541
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 3,154 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
Founded02-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:marijkegeerkens@telenet.be