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UMGENI

Active
Private limited companyfounded 2021active for 5 yearsDemerstraat 17, 3560 Lummen, BelgiumKBO/BCE: BE 0774.644.572

From the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

UMGENI has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,775 and a net result of €11,811. Equity has been growing by about 6.2% per year since 2022. Its solvency ranks better than 86% of 2,598 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

KBO
Status
Active since 27-09-2021 Normal situation
Activity
Other education NACE 85599and 4 others
Establishment unit
2.322.949.664 3560 Lummen, since 01-10-2021
Financial year end
31 December
Peppol
Reachable since 27-09-2024

Board and ownership

Board

Financial position

89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€23,397
▲ 103%
Turnover
≈ €86,000
estimated
Profit
€11,811
▲ 174%
Equity
€70,775
▲ 20.0%
Total assets
€84,158
▲ 20.2%
Filed on 08-09-2026, 39 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 39 days late; 1 of the last 3 accounts lateSize: total assets €84,158lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Equity €70,775 (84.1% of total assets)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 58% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 84.1% of total assets
Liquidity 54+3
short-term debt 13.0% · cash 4.5%
Profitability 86+10
return on assets 14.0%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,908 companies, NACE 62, micro)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: 0.1%▲ +0.1 percentage points vs 04-2025 06-2025: < 0.1%▼ -0.1 percentage points vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.2%▲ +0.1 percentage points vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026 09-2026: 0.5%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.2%▼ -0.3 percentage points vs 09-2026
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.94 (6.09 in 2024), above the usual 1.5. Short-term debt is 13% and cash 4.5% of total assets. 15.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 62, micro). It does better than 85% of them on solvency, 35% on liquidity, 49% on profitability and 65% on growth.

The bankruptcy probability was computed on 31-10-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
raises risk · Last filed accounts filed 39 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Size: total assets €84,158
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Equity €70,775 (84.1% of total assets)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filings
Deviation from the deadline
2025
39 days late
2024
4 days early
2023
9 days early
2022
11 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 4 days after the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 85% of companies in educationsector median 44.0% · 2,598 companies 84.1% View

Comparable companies

These companies have the same main activity as UMGENI: other education (NACE 85599). They are comparable in size and age: total assets between €84,800 and €96,400, founded between 2021 and 2022.

CompanyTotal assetsGross margin
UMGENI Lummen€84,158€23,397
Pinot Noir Lasne€84,782€24,149
PHYSIOBOOST Scherpenheuvel-Zichem€95,710€23,065
Canopée, coopérative en agroforesterie Messancy€89,239€32,169
WRKSHP Brussel€96,372€29,891
TOPCOACHES STUDIEBEGELEIDING Lennik€91,321€17,581
FVct Coachulting Villers-la-Ville€94,489€29,707
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about UMGENI

What is the company number of UMGENI?
The company number of UMGENI is 0774.644.572. The VAT number is the same number with BE in front: BE 0774.644.572.
Where is UMGENI based?
The registered office is at Demerstraat 17, 3560 Lummen.Company details
What does UMGENI do?
According to the KBO register, the main activity is other education (NACE 85599).
What is the legal form of UMGENI?
The legal form of UMGENI is Private limited company (BV).
When was UMGENI founded?
UMGENI was founded on 27-09-2021.
Is UMGENI still active?
Yes, UMGENI is an active enterprise in the KBO register.
What is the turnover of UMGENI?
The turnover in financial year 2025 is ≈ €86,000. This figure is estimated from the gross margin of €23,397 and 42 comparable companies (NACE 855). It probably lies between €58,000 and €170,000. It is a rough estimate.Financials
Is UMGENI profitable?
In financial year 2025, UMGENI made a profit of €11,811.
Where can I find the annual accounts of UMGENI?
UMGENI filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of UMGENI due?
UMGENI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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