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SUM

Active
Private limited companyfounded 20196 yrs activeNieuwe Bevelsesteenweg(Kessel) 49, 2560 Nijlen, BelgiumKBO/BCE: BE 0737.439.926
Summary

SUM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €290,578 and a net result of €82,366. Equity is growing by ~59.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 7676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
SUMActiveChecked score 90/100
Risk analysis ReportCompare

Overview

What they do
Public relations and communication consultancy
NACE 73300NACE 70210
1 site
How big
€403,881total assets 2025
Equity
€290,578
Profit
€82,366
Turnover not published (abridged schema)
Financially healthy?
90 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Who decides
Accounts 4 d early0 of 2 deeds read
Why 90- 1 of the last 3 late+ Sector Advertising, market research and public relations activities (NACE 73)+ Liquidity: current ratio 3.95, cash €53,172+ Equity €290,578 (71.9% of total assets)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 69% of its sector peers (NACE 73, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 97+12
equity 71.9% of total assets
Liquidity 64+10
short-term debt 13.6% · cash 13.2%
Profitability 94=
return on assets 20.4%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,097 companies)
Last 24 months 11-2024: 2.7%highest value 12-2024: 0.4%▼ -86.7% vs 11-2024 01-2025: 0.4%▼ -1.4% vs 12-2024 02-2025: 0.4%▲ +1.9% vs 01-2025 03-2025: 0.4%▼ -1.1% vs 02-2025 04-2025: 0.4%▲ +2.2% vs 03-2025 05-2025: 0.4%▲ +1.1% vs 04-2025 06-2025: 0.4%▲ +5.1% vs 05-2025 07-2025: 0.4%▼ -2.3% vs 06-2025 08-2025: 0.7%▲ +90.1% vs 07-2025 09-2025: 0.2%▼ -76.7% vs 08-2025lowest value 10-2025: 0.2%▲ +3.5% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -2.3% vs 12-2025 02-2026: 0.2%▲ +5.2% vs 01-2026 03-2026: 0.2%▼ -6.1% vs 02-2026lowest value 04-2026: 0.2%▲ +2.4% vs 03-2026 05-2026: 0.2%▲ +2.9% vs 04-2026 06-2026: 0.2%▼ -2.2% vs 05-2026 07-2026: 0.2%▲ +2.9% vs 06-2026 08-2026: 0.2%▲ +25.0% vs 07-2026 09-2026: 0.2%▲ +1.3% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026
  • 1 of the last 3 late raises the probability
  • Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
  • Liquidity: current ratio 3.95, cash €53,172 lowers the probability
  • Equity €290,578 (71.9% of total assets) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 3.95 against 1.37 in 2024; short-term debt: 13.6% and cash: 13.2% of total assets), and 28.1% of the assets are financed with debt.
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 73, micro). Better than this share of them on solvency 69%, liquidity 57%, profitability 72%, growth against the median 80%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Advertising, market research and public relations activities (NACE 73)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Liquidity: current ratio 3.95, cash €53,172
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €290,578 (71.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
4 d early
2024
on the day
2023
92 d late
2021
22 d late
2020
31 d late
2019
17 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

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. Usually files around 22 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2019net €82,366 ▲18.4%
  3. Liquidity triplescurrent ratio 3.95

Key points

  • Positive: Among the best 13% on net resultsector median €14,244 · 7,676 companies €82,366 View
  • Positive: Equity rose in 2025from €208,213 to €290,578 ▲ 39.6% View
  • Positive: 6 profitable years in a rowprofit 2025: €82,366 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€403,881
Profit
€82,366
Solvency
71.9%
Total assets▲ 17.3%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2020
Next accounts
by 31-07-2027
  1. 27-07-2026Annual accounts filed
  2. 31-12-2025Highest result since 2019
  3. 31-12-2025Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Public relations and communication consultancyNACE 73300
Founded
06-11-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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