GUMA
ActiveSummary
GUMA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €-223. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-4
Solvency28▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.9%
Return on assets
-0.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
29 d late
2023
15 d early
2022
31 d early
2021
33 d early
2020
39 d early
2019
3 d late
← 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, abbreviated schema
Equity
€3k▼ 7.3%
2024 · €3k
2018: €-23k
2019: €-16k
2020: €5k
2021: €6k
2022: €6k
2023: €3k
2024: €3k
2018 → 2025
Total assets
€98k▲ 17.5%
2024 · €83k
2018: €57k
2019: €61k
2020: €72k
2021: €75k
2022: €82k
2023: €82k
2024: €83k
2018 → 2025
Net result
€-223
2024 · €491
2018: €2k
2019: €7k
2020: €21k
2021: €2k
2022: €-387
2023: €-3k
2024: €491
2018 → 2025
Working capital
€12k▲ 14.4%
2024 · €10k
2018: €-10k
2019: €-6k
2020: €16k
2021: €18k
2022: €19k
2023: €14k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€6k▼ 6.2%€3k▼ 56.6%€3k▲ 19.2%€3k▼ 7.3%
Operating result€7k-€5k▼ 32.6%€939▼ 79.2%€4k▲ 290%€3k▼ 28.6%
Net result€2k-€-387€-3k▼ 763%€491€-223
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€7k ▼ 18.2%
Current assets
€91k ▲ 21.8%
Equity and liabilities €98k
Equity
€3k ▼ 7.3%
Debt
€95k ▲ 18.4%
Debt's share of the balance-sheet total rises from 96.3% to 97.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €5k
Cash flow
€2k▼
2024 · €2k
Current ratio
1.15▼
2024 · 1.16
Quick ratio
0.60▼
2024 · 0.60
Debt to equity
33.71▲
2024 · 26.38
ROE
-7.9%▼
2024 · 16.1%
ROA
-0.2%▼
2024 · 0.6%
Interest coverage
1.29▼
2024 · 1.60
Debt ≤ 1 year
€79k▲
2024 · €64k
Debt > 1 year
€16k=
2024 · €16k
Income taxes
€391▼
2024 · €871
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€83k€98k▲
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€8k€7k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€650€650=
Current assets29/58€74k€91k▲
Stocks and contracts in progress3€36k€43k▲
Stocks30/36€36k€43k▲
Amounts receivable within one year40/41€20k€28k▲
Trade receivables40€790€790=
Other amounts receivable41€19k€27k▲
Cash at bank and in hand54/58€18k€19k▲
Deferred charges and accrued income490/1€915€1k▲
Equity and liabilities
Total equity and liabilities10/49€83k€98k▲
Equity10/15€3k€3k▼
Contributions10/11€40k€40k=
Capital10€40k-
Issued capital100€40k-
Outside capital11-€40k
Other1109/19-€40k
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€-38k€-39k▼
Amounts payable17/49€80k€95k▲
Amounts payable after more than one year17€16k€16k=
Financial debts170/4€16k€16k=
Amounts payable within one year42/48€64k€79k▲
Financial debts43€6k€9k▲
Credit institutions430/8€6k€9k▲
Trade debts44€56k€68k▲
Suppliers440/4€56k€68k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€422€436▲
Other amounts payable47/48€100€94▼
Accrued charges and deferred income492/3-€38
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€732€824▲
Gross operating margin9900€6k€5k▼
Operating profit (loss)9901€4k€3k▼
Financial income75/76B€930€1k▲
Recurring financial income75€930€1k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€1k€168▼
Income taxes67/77€871€391▼
Profit (loss) for the period9904€491€-223▼
Profit (loss) for the period to be appropriated9905€491€-223▼
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-39k▼
Profit (loss) brought forward from the previous period14P€-39k€-38k▲
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €491
Net result €491 after 2 loss-making years.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €21k ▲194%
Operating result €26k, net result €21k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bilzen-Hoeselt · 1 establishment unit since 2006
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.
L. Lambrechtsstraat 123730 Bilzen-HoeseltGround area
418 m²
Building footprint
126 m²
Volume, LiDAR
816 m³
Parcel 73032G0510/00F005, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GUMA
since 20062.153.653.089
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73032G0510/00F005 | Flanders | 417 m² | 1 · 126 m² | 10.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBilzen-Hoeselt2.153.653.089
Similar companies · same sector, comparable size
INNEKE'S LUNCHBOX
BE 0463.781.744
Herentals · Eq €2,807
FRAMAR
BE 0441.337.429
Thuin · Eq €2,802
NAAZ
BE 0728.885.714
Antwerpen · Eq €2,775
NURA
BE 0466.439.049
Oostende · Eq €2,740
LIBRAIRIE DU MOULIN
BE 0474.268.731
Cerfontaine · Eq €3,046
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 275 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
Founded12-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.