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PUMPIT

Active
Private limited companyfounded 20205 yrs activeRue de l'Industrie 9, 1400 Nivelles, BelgiumKBO/BCE: BE 0758.983.329
Summary

The computed 12-month bankruptcy probability of PUMPIT is 4.2% (elevated). The annual accounts of PUMPIT for fiscal year 2025 show a net loss of 116% of total assets and of 71% of the equity at the start of that year. The 2025 annual accounts show equity of €21,992 and a net result of -€55,033. Equity is shrinking by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 4735 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-86
Solvency71▼-29
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.55 against 4.47 in 2024; short-term debt: 53.6% and cash: 10.8% of total assets), but 53.6% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
46.4%
Return on assets
-116.2%
Age of the figures
12 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
30 d early
2024
13 d early
2023
28 d early
2022
15 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 10 April (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
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

History

On 2 December 2020, PUMPIT was incorporated as a Private limited company.1 Total assets went from EUR 80,731 in 2022 to EUR 47,351 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€21,992▼ 71.4%
2024 · €77,025
Total assets
€47,351▼ 50.9%
2024 · €96,427
Net result
-€55,033
2024 · €13,372
Working capital
€13,981▼ 79.2%
2024 · €67,355
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result€18,480--€1,482€17,362-€55,039
Net result€15,142within the sector's middle half--€1,489within the sector's middle half€13,372within the sector's middle half-€55,033below the sector's middle half
Equity€65,142within the sector's middle half-€63,653within the sector's middle half▼ 2.3%€77,025within the sector's middle half▲ 21.0%€21,992within the sector's middle half▼ 71.4%
Total assets€80,731within the sector's middle half-€81,738within the sector's middle half▲ 1.2%€96,427within the sector's middle half▲ 18.0%€47,351within the sector's middle half▼ 50.9%
Debt€15,589-€18,085▲ 16.0%€19,402▲ 7.3%€25,359▲ 30.7%
Working capital€52,149within the sector's middle half-€52,319within the sector's middle half▲ 0.3%€67,355above the sector's middle half▲ 28.7%€13,981within the sector's middle half▼ 79.2%
Solvency80.7%above the sector's middle half-77.9%above the sector's middle half▼ 2.8pp79.9%above the sector's middle half▲ 2.0pp46.4%within the sector's middle half▼ 33.4pp
Current ratio4.35above the sector's middle half-3.89above the sector's middle half▼ 0.454.47above the sector's middle half▲ 0.581.55within the sector's middle half▼ 2.92
Return on assets (ROA)18.8%above the sector's middle half--1.8%within the sector's middle half▼ 20.6pp13.9%within the sector's middle half▲ 15.7pp-116.2%below the sector's middle half▼ 130.1pp
above within below the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€60,000-€40,000-€20,000€0€20,000Operating result 2022: €18,480€18,480Net result 2022: €15,142€15,142Operating result 2023: -€1,482-€1,482Net result 2023: -€1,489-€1,489Operating result 2024: €17,362€17,362Net result 2024: €13,372€13,372Operating result 2025: -€55,039-€55,039Net result 2025: -€55,033-€55,0332022202320242025-€60,000-€40,000-€20,000€0€20,000Operating result 2023: -€1,482-€1,480Net result 2023: -€1,489-€1,490Operating result 2024: €17,362€17,400Net result 2024: €13,372€13,400Operating result 2025: -€55,039-€55,000Net result 2025: -€55,033-€55,000202320242025
The operating result turns negative in 2025: a loss of €55,039 after €17,362 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47,311
Fixed assets €7,970 ▼ 15.1%
Current assets €39,341 ▼ 54.7%
Equity and liabilities €47,351
Equity €21,992 ▼ 71.4%
Debt €25,359 ▲ 30.7%
Debt's share of the balance-sheet total rises from 20.1% to 53.6%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€53,379▼
2024 · €19,026
Cash flow
-€53,373▼
2024 · €15,036
Quick ratio
1.52▼
2024 · 4.45
Debt to equity
1.15▲
2024 · 0.25
ROE
-250.2%▼
2024 · 17.4%
Debt ≤ 1 year
€25,359▲
2024 · €19,402
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
3.0% went bankrupt
9.5% stopped otherwise
87% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,592 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€96,427€47,351▼
Formation expenses20€279€40▼
Fixed assets21/28€9,391€7,970▼
Tangible fixed assets22/27€1,881€460▼
Plant, machinery and equipment23€1,881€460▼
Financial fixed assets28€7,510€7,510=
Current assets29/58€86,757€39,341▼
Stocks and contracts in progress3€357€710▲
Stocks30/36€357€710▲
Amounts receivable within one year40/41€72,855€33,525▼
Trade receivables40€67,484€28,209▼
Other amounts receivable41€5,370€5,316▼
Cash at bank and in hand54/58€13,545€5,106▼
Equity and liabilities
Total equity and liabilities10/49€96,427€47,351▼
Equity10/15€77,025€21,992▼
Contributions10/11€50,000€50,000=
Profit (loss) carried forward14€27,025-€28,008▼
Amounts payable17/49€19,402€25,359▲
Amounts payable within one year42/48€19,402€25,359▲
Trade debts44€13,633€6,051▼
Suppliers440/4€13,633€6,051▼
Taxes, remuneration and social security45€3,961-
Taxes450/3€3,961-
Other amounts payable47/48€1,808€19,308▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,664€1,659▼
Other operating charges640/8€484€487▲
Gross operating margin9900€19,510-€52,892▼
Operating profit (loss)9901€17,362-€55,039▼
Financial income75/76B-€6
Recurring financial income75-€6
Financial charges65/66B€29-
Recurring financial charges65€29-
Profit (loss) for the period before taxes9903€17,333-€55,033▼
Income taxes67/77€3,961-
Profit (loss) for the period9904€13,372-€55,033▼
Profit (loss) for the period to be appropriated9905€13,372-€55,033▼
Appropriation of the result
Profit (loss) to be appropriated9906€27,025-€28,008▼
Profit (loss) brought forward from the previous period14P€13,653€27,025▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,818€1,659€1,664€1,659▼ 0.3%
Other operating charges640/8€917€448€484€487▲ 0.6%
Gross operating margin9900€22,215€625€19,510-€52,892▼ 371%
Operating profit (loss)9901€18,480-€1,482€17,362-€55,039▼ 417%
Financial income75/76B€26€0-€6-
Recurring financial income75€26€0-€6-
Financial charges65/66B€6€7€29--
Recurring financial charges65€6€7€29--
Profit (loss) for the period before taxes9903€18,500-€1,489€17,333-€55,033▼ 418%
Income taxes67/77€3,358-€3,961--
Profit (loss) for the period9904€15,142-€1,489€13,372-€55,033▼ 512%
Profit (loss) for the period to be appropriated9905€15,142-€1,489€13,372-€55,033▼ 512%
Line2022202320242025Change
Assets
Total assets20/58€80,731€81,738€96,427€47,351▼ 50.9%
Formation expenses20€755€517€279€40▼ 85.5%
Fixed assets21/28€12,238€10,816€9,391€7,970▼ 15.1%
Tangible fixed assets22/27€4,728€3,306€1,881€460▼ 75.5%
Plant, machinery and equipment23€4,728€3,306€1,881€460▼ 75.5%
Financial fixed assets28€7,510€7,510€7,510€7,510=
Current assets29/58€67,738€70,404€86,757€39,341▼ 54.7%
Stocks and contracts in progress3€983€450€357€710▲ 98.5%
Stocks30/36€983€450€357€710▲ 98.5%
Amounts receivable within one year40/41€50,515€54,858€72,855€33,525▼ 54.0%
Trade receivables40€45,365€48,853€67,484€28,209▼ 58.2%
Other amounts receivable41€5,150€6,005€5,370€5,316▼ 1.0%
Cash at bank and in hand54/58€16,240€15,096€13,545€5,106▼ 62.3%
Equity and liabilities
Total equity and liabilities10/49€80,731€81,738€96,427€47,351▼ 50.9%
Equity10/15€65,142€63,653€77,025€21,992▼ 71.4%
Contributions10/11€50,000€50,000€50,000€50,000=
Profit (loss) carried forward14€15,142€13,653€27,025-€28,008▼ 204%
Amounts payable17/49€15,589€18,085€19,402€25,359▲ 30.7%
Amounts payable within one year42/48€15,589€18,085€19,402€25,359▲ 30.7%
Trade debts44€12,110€14,606€13,633€6,051▼ 55.6%
Suppliers440/4€12,110€14,606€13,633€6,051▼ 55.6%
Taxes, remuneration and social security45€3,358€3,358€3,961--
Taxes450/3€3,358€3,358€3,961--
Other amounts payable47/48€122€122€1,808€19,308▲ 968%
Line2022202320242025Change
Profit (loss) for the period9904€15,142-€1,489€13,372-€55,033▼ 512%
+ Depreciation and write-downs630€2,818€1,659€1,664€1,659▼ 0.3%
Operating cash flow (approximation)€17,960€170€15,036-€53,373▼ 455%
Investment in fixed assets (approximation)--€238-€239-€238▲ 0.3%
Change in cash--€1,144-€1,551-€8,439▼ 444%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
31-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial Weakest financial yearnet -€55,033
Net result drops to -€55,033, the lowest in the series.
17-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial Back to profitnet €13,372
Net result €13,372 after one loss-making year.
02-04
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
15-05
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Nivelles · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
2,369 m²
Building footprint
221 m²
Volume, LiDAR
1,091 m³
Parcel 25782C0576/00T009, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
8 companies at this address See who is registered here
1 establishment unit
Pumpit
Rue de l'Industrie 9, 1400 NivellesAgents in the wholesale of timber and building materials
since 20202.311.977.677
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25782C0576/00T009 Wallonia 2,369 m² 1 · 221 m² 6.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 103 companies in this sector we hold annual accounts for 72. 43 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded02-12-2020
Fiscal year end30-09
Activities, NACEBEL 2025
49500Land transport and transport via pipelines
Contact
E-mail pumpit@proximus.beNivelles
Phone +32470023201Nivelles
E-invoicing
Reachable via Peppol
Peppol ID 0208:0758983329
Registered 11-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.