Checked.be
Active
BE 0840.009.508Private limited company
KUM TECHNIC
Marloie, Al Copette 9 ·6900 Marche-en-Famenne, Belgium· 14 yrs active
Sector: Engineering and related technical consultancy, excluding land surveyors
(71121)
Conclusion
KUM TECHNIC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €984k and a net result of €-138k. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 1933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €984k |
| Net result | €-138k |
| Staff (FTE) | 6 |
| Better than sector | 45% |
Financial profile
57
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
48
Profitability
0
Solvency
80
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2011, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
48
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€45k
estimate, not credit advice
Score history
50
2022
61
2023
79
2024
48
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.71 (≥ 1.5)
+10
Quick ratio
Quick ratio 0.51 (< 0.6)
-5
Leverage
Debt/equity 1.38 (< 2.0)
+3
Profitability
Negatieve ROE -14%
-10
Interest coverage
Interest coverage 1.7×
+3
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 02-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~7.7%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 71, Architectural and engineering activities; technical testing and analysis · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 42.0% | 46.8% | |
| Net result | €-138k | €30k | |
| Equity | €984k | €213k | |
| Gross operating margin | €490k | €124k | |
| Staff costs | €389k | €192k |
€91k
-68.7%
22-25
€-138k
-
22-25
€107k
-66.9%
22-25
€2.34M
-18.7%
22-25
€984k
-15.9%
22-25
€497k
-17.8%
22-25
6
+3.4%
22-25
€389k
+0.5%
22-25
€1.36M
-20.6%
22-25
€700k
-29.6%
22-25
€652k
-8.6%
22-25
1.71
+6.4%
22-25
0.51
-22.3%
22-25
42.0%
+3.5%
22-25
1.38
-5.6%
22-25
-14.0%
-
22-25
-5.9%
-
22-25
1.71
-66.1%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | full schema | full schema | full schema |
| Revenue | - | - | - | - |
| EBITDA | €91k | €289k | €212k | €-142k |
| Net profit | €-138k | €33k | €-9k | €-329k |
| Cash flow | €107k | €323k | €261k | €-79k |
| Staff costs | €389k | €387k | €388k | €559k |
| Income taxes | - | - | - | - |
| Dividends | - | - | - | - |
| Total assets | €2.34M | €2.88M | €2.50M | €2.28M |
| Equity | €984k | €1.17M | €1.18M | €1.27M |
| Debt | €1.36M | €1.71M | €1.32M | €1.01M |
| of which ≤ 1y | €700k | €995k | €587k | €340k |
| of which > 1y | €652k | €713k | €735k | €672k |
| Working capital | €497k | €604k | €379k | €304k |
| Employees (FTE) | 6.0 | 5.8 | 5.2 | 8.7 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 1.71 | 1.61 | 1.65 | 1.89 |
| Quick ratio | 0.51 | 0.66 | 0.49 | 0.61 |
| Working capital ratio | 21.2% | 21.0% | 15.2% | 13.3% |
| Solvency | 42.0% | 40.6% | 47.1% | 55.6% |
| Debt / equity | 1.38 | 1.46 | 1.12 | 0.80 |
| Long-term debt ratio | 0.66 | 0.61 | 0.62 | 0.53 |
| Interest coverage | 1.71 | 5.05 | 6.56 | -6.96 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -5.9% | 1.1% | -0.3% | -14.4% |
| ROE | -14.0% | 2.8% | -0.7% | -26.0% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €2.34M | €2.88M | €2.50M | €2.28M |
| Fixed assets | 21/28 | €1.14M | €1.28M | €1.53M | €1.63M |
| Intangible fixed assets | 21 | €8k | €14k | €19k | €13k |
| Tangible fixed assets | 22/27 | €874k | €1.00M | €1.25M | €1.35M |
| Financial fixed assets | 28 | €261k | €261k | €261k | €266k |
| Current assets | 29/58 | €1.20M | €1.60M | €966k | €644k |
| Stocks & contracts in progress | 3 | €840k | €947k | €680k | €437k |
| Amounts receivable within one year | 40/41 | €325k | €628k | €198k | €166k |
| Cash & bank | 54/58 | €18k | €11k | €68k | €16k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.34M | €2.88M | €2.50M | €2.28M |
| Equity | 10/15 | €984k | €1.17M | €1.18M | €1.27M |
| Contributions / capital | 10/11 | €8k | €8k | €8k | €8k |
| Accumulated profits (losses) | 14 | €923k | €1.06M | €1.03M | €1.04M |
| Amounts payable | 17/49 | €1.36M | €1.71M | €1.32M | €1.01M |
| Amounts payable after one year | 17 | €652k | €713k | €735k | €672k |
| Amounts payable within one year | 42/48 | €700k | €995k | €587k | €340k |
| Trade debts payable within one year | 44 | €24k | €119k | €47k | €23k |
| Income statement | |||||
| Gross operating margin | 9900 | €490k | €685k | €608k | €422k |
| Operating result | 9901 | €-155k | €-1k | €-57k | €-392k |
| Financial income | 75 | €69k | €92k | €81k | €84k |
| Financial charges | 65 | €53k | €57k | €32k | €20k |
| Result before taxes | 9903 | €-138k | €33k | €-9k | €-329k |
| Net result for the period | 9904 | €-138k | €33k | €-9k | €-329k |
| Result to be appropriated | 9905 | €-138k | €33k | €-9k | €-329k |
Legal Structure
| NACE primary | Engineering and related technical consultancy, excluding land surveyors(71121) |
| Legal form | Private limited company(610) |
| Incorporation | 06-10-2011 |
| Status | Active |
| Postal code | 6900 |
Establishment units
Marloie, Rue de la Croix Bande 13, 6900 Marche-en-Famenne
since 20112.203.118.339
Kum Technic
since 20192.330.897.924
KUM TECHNIC
since 20222.330.898.023
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91101E0416/00R002 | Wallonia | 2,207 m² | 1 · 921 m² | - |
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of electrical household appliances47540Engineering and related technical consultancy, excluding land surveyors71121Installation of industrial machinery and equipment33200
Names & trade names
| Legal nameFR | KUM TECHNIC |
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