SUMMA
ActiveSummary
SUMMA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €199.3m and a net result of €7.5m. Equity is growing by ~6.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
What they do
Activity not known1 site
How big
€1.4mturnover 2025
- Staff
- 7.9 FTE
- Equity
- €199.3m
- Profit
- €7.5m
Who decides
- Parent
- Stichting Administratiekantoor De Vliet · 100%
- Holdings
- 27
Accounts 60 d early0 of 20 deeds read
Why 66- No NACE activity registered+ Annual accounts: healthy financial profile+ Long track record+ Lower-risk legal formLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-40
Solvency100=
Growth60▲+2
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140,000 at 30 days acceptable
Liquidity ample (current ratio 7.39 against 7.45 in 2024; short-term debt: 4% and cash: 1.4% of total assets), and 15.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
84.6%
Return on assets
3.2%
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
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
51 d early
2023
43 d early
2022
53 d early
2021
59 d early
2020
36 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 48 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 8 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
- Annual accounts filedfiscal year 2023 · full…
Financials
Fiscal year 2025Turnover €1.4mProfit €7.5mSolvency 84.6%Liquidity 7.39
Turnover
€1.4m▲ 11.7%
2018 - 2025
Net result
€7.5m▼ 9.4%
2018 - 2025
Equity
€199.3m▲ 3.9%
2018 - 2025
Staff (FTE)
7.9=
2018 - 2025
Financials · fiscal year 2025, full schema
Trend over the years
Trend over the years
In euros
In per cent
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
In full-time equivalents (FTE)
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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.3m▼ 17.3%€1.3m▲ 5.5%€1.5m▲ 9.8%€1.3m▼ 13.5%€1.4m▲ 11.7%
Operating result-€0.7m€0.1m-€0.2m€2.4m-€0.3m
Net result€13.1m▲ 59.8%€25.3m▲ 93.4%€23.2m▼ 8.3%€8.3m▼ 64.1%€7.5m▼ 9.4%
EBIT margin-59.2%▼ 183.7pp8.0%▲ 67.3pp-15.3%▼ 23.3pp191.4%▲ 206.7pp-22.0%▼ 213.4pp
Equity€150.2m▲ 9.5%€175.5m▲ 16.8%€183.4m▲ 4.5%€191.8m▲ 4.5%€199.3m▲ 3.9%
Total assets€223.0m▲ 2.9%€230.8m▲ 3.5%€232.1m▲ 0.6%€226.1m▼ 2.6%€235.5m▲ 4.2%
Debt€72.8m▼ 8.6%€55.3m▼ 24.0%€48.7m▼ 12.0%€34.3m▼ 29.6%€36.2m▲ 5.7%
Working capital€19.0m▲ 61.6%€52.2m▲ 175%€57.6m▲ 10.5%€57.7m▲ 0.1%€59.6m▲ 3.3%
Staff (FTE)8.5▼ 19.0%8.5=7.9▼ 7.1%7.9=7.9=
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €310,615 after €2.4m in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235.5m
Fixed assets
€166.6m ▲ 4.5%
Current assets
€69.0m ▲ 3.4%
Equity and liabilities €235.5m
Equity
€199.3m ▲ 3.9%
Debt
€36.2m ▲ 5.7%
Debt's share of the balance-sheet total rises from 15.2% to 15.4%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
-€288,287▼
2024 · €2.4m
Cash flow
€7.6m▼
2024 · €8.3m
Current ratio
7.39▼
2024 · 7.45
Quick ratio
7.39▼
2024 · 7.45
Debt to equity
0.18▲
2024 · 0.18
ROE
3.8%▼
2024 · 4.3%
ROA
3.2%▼
2024 · 3.7%
Interest coverage
-0.14▼
2024 · 1.16
Debt ≤ 1 year
€9.3m▲
2024 · €9.0m
Debt > 1 year
€26.9m▲
2024 · €25.3m
Income taxes
€261,664▼
2024 · €325,311
Staff costs
€864,882▼
2024 · €877,888
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €1.3m | €1.8m | €1.8m | €4.5m | €1.4m | ▼ 68.8% |
| Turnover70 | €1.3m | €1.3m | €1.5m | €1.3m | €1.4m | ▲ 11.7% |
| Other operating income74 | €0.004m | €0.4m | €0.3m | €3.3m | - | - |
| Operating charges60/66A | €2.0m | €1.6m | €2.0m | €2.1m | €1.7m | ▼ 18.2% |
| Goods for resale, raw materials and consumables60 | €0.1m | €0.2m | €0.3m | €0.1m | €0.1m | ▲ 1.4% |
| Purchases600/8 | €0.1m | €0.2m | €0.3m | €0.1m | €0.1m | ▲ 1.4% |
| Services and other goods61 | €0.4m | €0.4m | €0.8m | €0.6m | €0.5m | ▼ 11.8% |
| Remuneration, social security and pensions62 | €0.8m | €0.8m | €0.8m | €0.9m | €0.9m | ▼ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.09m | €0.07m | €0.04m | €0.02m | €0.02m | ▲ 0.1% |
| Other operating charges640/8 | €0.7m | €0.2m | €0.06m | €0.4m | €0.1m | ▼ 68.2% |
| Operating profit (loss)9901 | -€0.7m | €0.1m | -€0.2m | €2.4m | -€0.3m | ▼ 113% |
| Financial income75/76B | €25.3m | €48.7m | €100.4m | €8.5m | €10.6m | ▲ 24.5% |
| Recurring financial income75 | €25.3m | €48.7m | €29.4m | €7.9m | €10.6m | ▲ 33.8% |
| Income from financial fixed assets750 | €22.7m | €45.8m | €22.7m | €2.7m | €6.8m | ▲ 152% |
| Income from current assets751 | €0.9m | €2.5m | €5.0m | €5.2m | €3.8m | ▼ 27.2% |
| Other financial income752/9 | €1.7m | €0.4m | €1.7m | €1 | €0.01m | ▲ 944,716% |
| Non-recurring financial income76B | - | - | €71.1m | €0.6m | - | - |
| Financial charges65/66B | €11.4m | €23.5m | €77.1m | €2.3m | €2.5m | ▲ 9.1% |
| Recurring financial charges65 | €4.1m | €3.9m | €2.0m | €2.3m | €2.2m | ▼ 2.0% |
| Debt charges650 | €2.6m | €2.7m | €1.7m | €2.1m | €2.0m | ▼ 3.6% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | €0.7m | €0.5m | -€0.6m | -€5.8m | €0.08m | ▲ 101% |
| Other financial charges652/9 | €0.8m | €0.7m | €0.9m | €6.0m | €0.1m | ▼ 98.3% |
| Non-recurring financial charges66B | €7.3m | €19.6m | €75.0m | - | €0.3m | - |
| Profit (loss) for the period before taxes9903 | €13.1m | €25.3m | €23.2m | €8.6m | €7.8m | ▼ 9.8% |
| Income taxes67/77 | €0.01m | €0.03m | -€0.002m | €0.3m | €0.3m | ▼ 19.6% |
| Taxes670/3 | €0.01m | €0.04m | €0.01m | €0.3m | €0.3m | ▼ 19.6% |
| Tax adjustments and reversals of tax provisions77 | €0.001m | €0.009m | €0.01m | - | - | - |
| Profit (loss) for the period9904 | €13.1m | €25.3m | €23.2m | €8.3m | €7.5m | ▼ 9.4% |
| Profit (loss) for the period to be appropriated9905 | €13.1m | €25.3m | €23.2m | €8.3m | €7.5m | ▼ 9.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €223.0m | €230.8m | €232.1m | €226.1m | €235.5m | ▲ 4.2% |
| Fixed assets21/28 | €192.3m | €172.7m | €159.2m | €159.4m | €166.6m | ▲ 4.5% |
| Intangible fixed assets21 | €0.02m | €0.002m | - | - | - | - |
| Tangible fixed assets22/27 | €0.1m | €0.1m | €0.09m | €0.1m | €0.07m | ▼ 23.0% |
| Furniture and vehicles24 | €0.1m | €0.1m | €0.09m | €0.1m | €0.07m | ▼ 23.0% |
| Financial fixed assets28 | €192.2m | €172.5m | €159.1m | €159.3m | €166.5m | ▲ 4.5% |
| Affiliated companies280/1 | €166.3m | €144.5m | €134.7m | €132.3m | €127.3m | ▼ 3.8% |
| Participating interests280 | €108.1m | €93.5m | €89.8m | €90.7m | €90.2m | ▼ 0.5% |
| Amounts receivable281 | €58.3m | €51.0m | €44.9m | €41.6m | €37.1m | ▼ 10.9% |
| Companies linked by participating interests282/3 | €13.7m | €13.7m | €13.9m | €13.5m | €23.9m | ▲ 77.2% |
| Participating interests282 | €13.7m | €13.7m | €13.5m | €13.5m | €18.7m | ▲ 38.4% |
| Amounts receivable283 | €0.06m | - | €0.4m | - | €5.2m | - |
| Other financial fixed assets284/8 | €12.1m | €14.3m | €10.5m | €13.5m | €15.3m | ▲ 13.3% |
| Shares284 | €10.7m | €12.2m | €7.7m | €10.0m | €12.5m | ▲ 24.3% |
| Amounts receivable and cash guarantees285/8 | €1.4m | €2.1m | €2.8m | €3.5m | €2.8m | ▼ 18.6% |
| Current assets29/58 | €30.7m | €58.2m | €73.0m | €66.7m | €69.0m | ▲ 3.4% |
| Amounts receivable after more than one year29 | €12.6m | €18.9m | €27.2m | €11.1m | €4.7m | ▼ 57.8% |
| Other amounts receivable291 | €12.6m | €18.9m | €27.2m | €11.1m | €4.7m | ▼ 57.8% |
| Stocks and contracts in progress3 | €0.02m | €0.02m | €0.01m | €0.01m | €0.02m | ▲ 61.8% |
| Stocks30/36 | €0.02m | €0.02m | €0.01m | €0.01m | €0.02m | ▲ 61.8% |
| Advance payments36 | €0.02m | €0.02m | €0.01m | €0.01m | €0.02m | ▲ 61.8% |
| Amounts receivable within one year40/41 | €17.0m | €37.6m | €42.0m | €50.9m | €57.6m | ▲ 13.3% |
| Trade receivables40 | €1.3m | €0.03m | €0.9m | €0.5m | €1.4m | ▲ 213% |
| Other amounts receivable41 | €15.7m | €37.6m | €41.1m | €50.4m | €56.2m | ▲ 11.5% |
| Current investments50/53 | - | - | - | €3.0m | €2.8m | ▼ 7.5% |
| Other investments51/53 | - | - | - | €3.0m | €2.8m | ▼ 7.5% |
| Cash at bank and in hand54/58 | €1.0m | €1.4m | €3.2m | €1.0m | €3.3m | ▲ 227% |
| Deferred charges and accrued income490/1 | €0.08m | €0.3m | €0.6m | €0.7m | €0.6m | ▼ 9.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €223.0m | €230.8m | €232.1m | €226.1m | €235.5m | ▲ 4.2% |
| Equity10/15 | €150.2m | €175.5m | €183.4m | €191.8m | €199.3m | ▲ 3.9% |
| Contributions10/11 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Capital10 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Issued capital100 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Revaluation surpluses12 | €31.6m | €31.6m | €16.4m | €16.4m | €16.4m | = |
| Reserves13 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Non-distributable reserves130/1 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Legal reserve130 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Profit (loss) carried forward14 | €118.3m | €143.6m | €166.8m | €175.1m | €182.6m | ▲ 4.3% |
| Amounts payable17/49 | €72.8m | €55.3m | €48.7m | €34.3m | €36.2m | ▲ 5.7% |
| Amounts payable after more than one year17 | €60.6m | €48.8m | €33.4m | €25.3m | €26.9m | ▲ 6.2% |
| Financial debts170/4 | €8.6m | €3.3m | €1.5m | €1.0m | €0.4m | ▼ 57.1% |
| Credit institutions173 | €2.6m | €2.1m | €1.5m | €1.0m | €0.4m | ▼ 57.1% |
| Other loans174 | €6.0m | €1.3m | - | - | - | - |
| Other amounts payable178/9 | €52.0m | €45.5m | €31.8m | €24.4m | €26.5m | ▲ 8.7% |
| Amounts payable within one year42/48 | €11.7m | €6.0m | €15.3m | €9.0m | €9.3m | ▲ 4.2% |
| Current portion of amounts payable after more than one year42 | €4.4m | €3.3m | €0.4m | €0.6m | €0.6m | = |
| Trade debts44 | €1.7m | €0.6m | €0.6m | €0.1m | €0.1m | ▲ 8.2% |
| Suppliers440/4 | €1.7m | €0.6m | €0.6m | €0.1m | €0.1m | ▲ 8.2% |
| Taxes, remuneration and social security45 | €0.5m | €0.5m | €0.4m | €0.9m | €0.9m | ▲ 0.2% |
| Taxes450/3 | €0.4m | €0.4m | €0.3m | €0.8m | €0.8m | ▼ 1.3% |
| Remuneration and social security454/9 | €0.09m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 10.5% |
| Other amounts payable47/48 | €5.2m | €1.6m | €13.9m | €7.4m | €7.8m | ▲ 4.9% |
| Accrued charges and deferred income492/3 | €0.4m | €0.5m | €0.01m | €0.02m | €0.02m | ▼ 21.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13.1m | €25.3m | €23.2m | €8.3m | €7.5m | ▼ 9.4% |
| + Depreciation and write-downs630 | €0.09m | €0.07m | €0.04m | €0.02m | €0.02m | ▲ 0.1% |
| Operating cash flow (approximation) | €13.2m | €25.3m | €23.2m | €8.3m | €7.6m | ▼ 9.4% |
| Investment in fixed assets (approximation) | - | €19.6m | €13.5m | -€0.2m | -€7.2m | ▼ 2,903% |
| Change in cash | - | €0.4m | €1.8m | -€2.2m | €2.3m | ▲ 202% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Board & ownership
Parent Stichting Administratiekantoor De Vliet · 100%27 holdings
Directors
Directors
No directors read yet: 0 of 20 Gazette acts processed. See the function holders in the CBE →
Structure & network
Heads the group
SUMMA
15 companies
Group, risk and exposure
Owners and holdings
1 owner · 27 holdings · 19 subsidiaries in the treeOwners 1
- Stichting Administratiekantoor De VlietNLparentSourceown accounts 2025100%
Holdings 27
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100%
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100%
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100%
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100%
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100%
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100%
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100%
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100%
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100%
-
100%
Show 17 more holdings
-
100%
-
100%
-
86.83%
-
67%
-
51.01%
-
50%
-
50%
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49%
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49%
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49%
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43%
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33.33%
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33.33%
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32.83%
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20%
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16.67%
-
15%
All subsidiaries, including indirect ones 19
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
- AMA Islantilla BVNL 100%
- ERMICO 100%
- MALAGA 100%
- MVP GmbHDE 100%
- NORBERTUS 100%
- Poland Invest Group SP.z.o.o.PL 100%
- PROFIFO 100%
- Puissance H&H 100%
- RBD II 100%
- REC XII 100%
- REC XIX 100%
- REC XVI 100%
IEP INVEST 86.83%4 subsidiaries
ACCENTIS 67.22%3 subsidiaries
Accentis Property International 100%2 subsidiaries
- ACCENTIS PROPERTY OVERPELT, AFGEKORT : APO 100%
- ACCENTIS VERWALTUNGS GMBHDE 100%
- Summa Finance BVNL 67%
- RBD I 51.01%
According to the 2025 annual accounts of SUMMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 20 Gazette acts processed.
Timeline
14 eventsLatest 01-06-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €25.3m ▲93.4%
Net result €25.3m, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 9.71
Current ratio from 2.62 to 9.71; short-term debt falls from €11.7m to €6.0m.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €8.2m
Net result €8.2m after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet -€22.8m
Net result drops to -€22.8m, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 34 days late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 20 acts read
About the unread acts
We know of 20 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 register with a recognitionLEI issued
LEI
active
5493004QEF3RPPVJUK43
Recognitions · licences · registrations
Legal Entity Identifier
5493004QEF3RPPVJUK43
Company details
Public limited company · founded 14-03-1994Year ends 31-12Peppol not found1 site
Register details
Identification
Legal formPublic limited company
Founded14-03-1994
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
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Register as of 1 October 2026 · Peppol Directory
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Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2001
Ground area
9,863 m²
Building footprint
1,162 m²
Volume, LiDAR
45,594 m³
Parcel 11807G1698/00E000, Flanders · tallest building 52.5 m, ±14 floors. Linked by address, not a title deed.
69
companies at this address
See who is registered here
1 establishment unit
SUMMA
since 2001unit no. 2.066.512.150
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1698/00E000 | Flanders | 9,863 m² | 1 · 1,162 m² | 52.5 m · 14 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.
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