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Zumel

Active
Private limited companyfounded 20233 yrs activeMeldertstraat 2, 3500 Hasselt, BelgiumKBO/BCE: BE 0795.771.271
Summary

The computed 12-month bankruptcy probability of Zumel is 5.6% (elevated). The 2024 annual accounts show negative equity (-€8,586) and a net result of €507. Its solvency ranks better than 9% of 18932 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
ZumelActiveChecked score 36/100
Risk analysis ReportCompare

Overview

Activity
Full-service restaurants
NACE 56111Full-service restaurants NACE 56101
1 site
Size
€6,045total assets 2024
Equity
-€8,586
Profit
€507
Turnover not published (abridged schema)
Financial health
36 Weak Checked score 2024
Bankruptcy chance 12 m
5.6%
Structure
Accounts 64 d overdue0 of 1 deed read
Why 36- 1 financial year not filed after the legal deadline; latest accounts 110 days late; 2 of the last 3 late- Founded in 2023- Figures for FY 2024 (filed 27-11-2025)- Sector Food and beverage service activities (NACE 56)Show the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 32% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 0=
equity -142.0% of total assets
Liquidity 50=
short-term debt 142.8% · cash 100.0%
Profitability 58+58
return on assets 8.4%
Bankruptcy probability, 12 months
5.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,529 companies)
Last 24 months 11-2024: 4.1%lowest value 12-2024: 4.1%● 0.0% vs 11-2024lowest value 01-2025: 4.1%▲ +1.0% vs 12-2024 02-2025: 4.2%▲ +2.9% vs 01-2025 03-2025: 4.2%▼ -0.8% vs 02-2025 04-2025: 4.2%● 0.0% vs 03-2025 05-2025: 4.2%● 0.0% vs 04-2025 06-2025: 4.2%▼ -1.1% vs 05-2025 07-2025: 4.2%▲ +1.5% vs 06-2025 08-2025: 5.0%▲ +18.3% vs 07-2025 09-2025: 5.3%▲ +6.4% vs 08-2025 10-2025: 6.2%▲ +16.5% vs 09-2025 11-2025: 6.2%▲ +0.2% vs 10-2025highest value 12-2025: 4.6%▼ -25.9% vs 11-2025 01-2026: 4.6%▼ -0.8% vs 12-2025 02-2026: 4.6%● 0.0% vs 01-2026 03-2026: 4.6%▲ +0.3% vs 02-2026 04-2026: 4.6%▲ +0.7% vs 03-2026 05-2026: 4.5%▼ -1.5% vs 04-2026 06-2026: 4.4%▼ -3.1% vs 05-2026 07-2026: 4.4%▲ +0.8% vs 06-2026 08-2026: 5.0%▲ +12.9% vs 07-2026 09-2026: 5.0%▼ -0.8% vs 08-2026 10-2026: 5.6%▲ +13.4% vs 09-2026
  • 1 financial year not filed after the legal deadline; latest accounts 110 days late; 2 of the last 3 late raises the probability
  • Founded in 2023 raises the probability for this profile
  • Figures for FY 2024 (filed 27-11-2025) raises the probability
  • Sector Food and beverage service activities (NACE 56) raises the probability
No credit on open account
Liquidity short (current ratio 0.7 against 0.53 in 2023; short-term debt: 142.8% and cash: 100% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 9%, liquidity 49%, profitability 40%, growth against the median 29%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 110 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Founded in 2023
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Figures for FY 2024 (filed 27-11-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 18932 sector peers (2024).
NBB · sector comparison
Position among 18932 sector peers
Solvency
better than 9%
← weakest strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-11-2025, 110 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
110 d late
2023
86 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 98 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Back to profitnet €507
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Risk: Negative equityfiscal year 2024: debts exceed assets -€8,586 View
  • Caution: Among the weakest 9% on solvencysector median 29.1% · 18,932 companies -142.0% View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View

By topic

Financials

Fiscal year
2024
Total assets
€6,045
Profit
€507
Solvency
-142.0%
Total assets▼ 30.0%
Net result
20232024
Go to Financials

Timeline

Events
3
Since
2024
  1. 18-11-2025Annual accounts filed
  2. 31-12-2024Back to profit
  3. 25-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Full-service restaurantsNACE 56111
Founded
05-01-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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