Umndeni
ActiveUmndeni has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €4k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 95% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+11
Solvency100=
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
short-term debt: 0% and cash: 45.5% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
100%
Return on assets
5.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
39 d early
2024
38 d early
2023
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▲ 6.1%
2024 · €63k
2023: €65k
2024: €63k
2023 → 2025
Total assets
€67k▲ 3.7%
2024 · €65k
2023: €96k
2024: €65k
2023 → 2025
Net result
€4k
2024 · €-2k
2023: €64k
2024: €-2k
2023 → 2025
Working capital
€36k▲ 65.9%
2024 · €22k
2023: €13k
2024: €22k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€65k-€63k▼ 2.6%€67k▲ 6.1%
Operating result€93k-€16▼ 100.0%€4k▲ 27,717%
Net result€64k-€-2k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27,717% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€31k▼ 25.4%
Current assets
€36k▲ 55.3%
Equity and liabilities €67k
Equity
€67k▲ 6.1%
Debt
€0▼ 100.0%
The debt ratio falls from 2.3% to 0.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €11k
Cash flow
€14k▲
2024 · €9k
Solvency
100.0%▲
2024 · 97.7%
Debt / equity
0.00▼
2024 · 0.02
ROE
5.7%▲
2024 · -2.7%
ROA
5.7%▲
2024 · -2.6%
Interest coverage
364.53▼
2024 · 433.97
Debt
€0▼
2024 · €2k
Debt ≤ 1 year
€0▼
2024 · €2k
Income taxes
€617▼
2024 · €2k
A ratio outside any meaningful range has been withheld (balance sheet total €67k, equity €67k).
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€65k€67k▲
Fixed assets21/28€42k€31k▼
Tangible fixed assets22/27€42k€31k▼
Furniture and vehicles24€42k€31k▼
Current assets29/58€23k€36k▲
Amounts receivable within one year40/41€8k€6k▼
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€15k€31k▲
Equity and liabilities
Total equity and liabilities10/49€65k€67k▲
Equity10/15€63k€67k▲
Contributions10/11€1k€1k=
Reserves13€60k€60k=
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€2k€6k▲
Amounts payable17/49€2k€0▼
Amounts payable within one year42/48€2k€0▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48-€0
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€2k€994▼
Gross operating margin9900€13k€16k▲
Operating profit (loss)9901€16€4k▲
Financial income75/76B-€141
Recurring financial income75-€141
Financial charges65/66B€25€41▲
Recurring financial charges65€25€41▲
Profit (loss) for the period before taxes9903€-9€4k▲
Income taxes67/77€2k€617▼
Profit (loss) for the period9904€-2k€4k▲
Profit (loss) for the period to be appropriated9905€-2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€6k▲
Profit (loss) brought forward from the previous period14P€4k€2k▼
The notes to these accounts (4 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-06
Financial
Liquidity times 116471current ratio 1817503.50
Current ratio from 15.60 to 1817503.50; short-term debt falls from €2k to €0.
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-2k ▼103%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 11current ratio 15.60
Current ratio from 1.41 to 15.60; short-term debt falls from €31k to €2k.
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rotselaar · 1 establishment unit since 2022
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.
Heirbaan 673110 RotselaarGround area
5,343 m²
Building footprint
300 m²
Volume, LiDAR
1,619 m³
Parcel 24094E0135/00T000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heirbaan 67, 3110 Rotselaar
since 20222.336.833.136
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24094E0135/00T000 | Flanders | 5,343 m² | 1 · 300 m² | 7.7 m · 2 fl. |
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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:depoorterdirk@hotmail.com
Phone:0476311048