GALUM
ActiveSummary
GALUM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €164k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency45=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.24 in 2024; short-term debt: 80.4% and cash: 81.6% of total assets), and 80.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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 →
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
19.6%
Return on assets
43.1%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €75k
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 16-02-2026, 165 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
165 d early
2024
49 d late
2023
37 d early
2022
31 d late
2021
30 d early
2020
30 d late
2019
18 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
€75k▲ 265%
2024 · €20k
2018: €152k
2019: €215k
2020: €173k
2021: €180k
2022: €21k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€381k▲ 272%
2024 · €102k
2018: €190k
2019: €258k
2020: €285k
2021: €193k
2022: €283k
2023: €60k
2024: €102k
2018 → 2025
Net result
€164k▲ 365%
2024 · €35k
2018: €76k
2019: €51k
2020: €-19k
2021: €7k
2022: €58k
2023: €18k
2024: €35k
2018 → 2025
Working capital
€74k▲ 280%
2024 · €20k
2018: €133k
2019: €202k
2020: €160k
2021: €172k
2022: €15k
2023: €19k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€21k▼ 88.5%€20k▼ 1.4%€20k=€75k▲ 265%
Operating result€7k-€66k▲ 848%€21k▼ 69.1%€50k▲ 144%€223k▲ 346%
Net result€7k-€58k▲ 753%€18k▼ 69.1%€35k▲ 97.5%€164k▲ 365%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 346% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €381k
Fixed assets
€529 ▼ 43.3%
Current assets
€381k ▲ 275%
Equity and liabilities €381k
Equity
€75k ▲ 265%
Debt
€306k ▲ 274%
Debt's share of the balance-sheet total rises from 80.0% to 80.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€223k▲
2024 · €51k
Cash flow
€165k▲
2024 · €36k
Current ratio
1.24▲
2024 · 1.24
Debt to equity
4.10▲
2024 · 4.00
ROE
219.9%▲
2024 · 172.7%
ROA
43.1%▲
2024 · 34.5%
Interest coverage
93.74▲
2024 · 18.46
Debt ≤ 1 year
€306k▲
2024 · €82k
Income taxes
€56k▲
2024 · €12k
Staff costs
€2k▼
2024 · €2k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€381k▲
Fixed assets21/28€933€529▼
Tangible fixed assets22/27€933€529▼
Furniture and vehicles24€353€121▼
Other tangible fixed assets26€579€408▼
Current assets29/58€101k€381k▲
Amounts receivable within one year40/41€68k€61k▼
Trade receivables40€56k€61k▲
Other amounts receivable41€12k€0▼
Cash at bank and in hand54/58€28k€311k▲
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€102k€381k▲
Equity10/15€20k€75k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€0€54k▲
Amounts payable17/49€82k€306k▲
Amounts payable within one year42/48€82k€306k▲
Trade debts44€0€164▲
Suppliers440/4€0€164▲
Taxes, remuneration and social security45€20k€123k▲
Taxes450/3€20k€123k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€62k€184k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€703€404▼
Other operating charges640/8€387€470▲
Gross operating margin9900€53k€226k▲
Operating profit (loss)9901€50k€223k▲
Financial income75/76B€0€120▲
Recurring financial income75€0€120▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€47k€221k▲
Income taxes67/77€12k€56k▲
Profit (loss) for the period9904€35k€164k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€35k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€164k▲
Profit to be distributed694/7€35k€110k▲
Return on contributions (dividend)694€35k€110k▲
The notes to these accounts (8 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €164k ▲365%
Operating result €223k, net result €164k, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 14.23
Current ratio from 2.44 to 14.23; short-term debt falls from €112k to €13k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-19k ▼137%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €215k ▲41.8%
2 profitable years in a row build equity to €215k.
Show earlier events
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2015
15-05
State Gazette act
General meeting · Approval
Statutes amendment · Capital increase
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2014
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.
Avenue de l'Equerre 101348 Ottignies-Louvain-la-NeuveGround area
353 m²
Building footprint
66 m²
Volume, LiDAR
524 m³
Parcel 25386B0093/00M000, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Galum
since 20142.236.173.167
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0093/00M000 | Wallonia | 353 m² | 1 · 66 m² | 9.9 m · 3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,896 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
Founded09-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.