UMSUKA
ActiveSummary
UMSUKA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €98k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 36% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency62▼-36
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 3.62 in 2024; short-term debt: 63.4% and cash: 8.1% of total assets), but 63.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers 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
36.6%
Return on assets
30.8%
Age of the figures
9 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
50 d early
2024
16 d early
2023
7 d early
2022
3 d early
2021
23 d early
2020
57 d early
2019
23 d early
← 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, micro schema
Equity
€117k▼ 44.9%
2024 · €212k
2018: €127k
2019: €218k
2020: €111k
2021: €230k
2022: €348k
2023: €276k
2024: €212k
2018 → 2025
Total assets
€319k▲ 9.3%
2024 · €292k
2018: €155k
2019: €288k
2020: €372k
2021: €262k
2022: €387k
2023: €313k
2024: €292k
2018 → 2025
Net result
€98k▲ 4.2%
2024 · €94k
2018: €56k
2019: €91k
2020: €93k
2021: €119k
2022: €118k
2023: €121k
2024: €94k
2018 → 2025
Working capital
€114k▼ 45.6%
2024 · €210k
2018: €126k
2019: €217k
2020: €106k
2021: €221k
2022: €341k
2023: €274k
2024: €210k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€230k-€348k▲ 51.5%€276k▼ 20.6%€212k▼ 23.3%€117k▼ 44.9%
Operating result€153k-€153k▲ 0.1%€157k▲ 2.1%€119k▼ 24.1%€126k▲ 5.6%
Net result€119k-€118k▼ 0.4%€121k▲ 2.6%€94k▼ 22.3%€98k▲ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €319k
Fixed assets
€2k ▲ 55.1%
Current assets
€317k ▲ 9.0%
Equity and liabilities €319k
Equity
€117k ▼ 44.9%
Debt
€202k ▲ 152%
Debt's share of the balance-sheet total rises from 27.5% to 63.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€126k▲
2024 · €120k
Cash flow
€99k▲
2024 · €96k
Current ratio
1.57▼
2024 · 3.62
Debt to equity
1.73▲
2024 · 0.38
ROE
84.2%▲
2024 · 44.5%
ROA
30.8%▼
2024 · 32.3%
Interest coverage
76.55▲
2024 · 57.53
Debt ≤ 1 year
€202k▲
2024 · €80k
Income taxes
€28k▲
2024 · €26k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€292k€319k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23€717€564▼
Furniture and vehicles24€850€2k▲
Current assets29/58€291k€317k▲
Amounts receivable within one year40/41€10k€80k▲
Trade receivables40-€80k
Other amounts receivable41€10k-
Current investments50/53€180k€210k▲
Cash at bank and in hand54/58€101k€26k▼
Deferred charges and accrued income490/1€300€1k▲
Equity and liabilities
Total equity and liabilities10/49€292k€319k▲
Equity10/15€212k€117k▼
Contributions10/11€17k€17k=
Reserves13€83k€2k▼
Distributable reserves133€83k€2k▼
Profit (loss) carried forward14€112k€98k▼
Amounts payable17/49€80k€202k▲
Amounts payable within one year42/48€80k€202k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€27k€35k▲
Taxes450/3€27k€35k▲
Other amounts payable47/48€51k€166k▲
Income statement
Code20242025
Non-recurring operating income76A-€347
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€678▼
Other operating charges640/8€92€55▼
Gross operating margin9900€120k€126k▲
Operating profit (loss)9901€119k€126k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Non-recurring financial income76B€563-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€120k€126k▲
Income taxes67/77€26k€28k▲
Profit (loss) for the period9904€94k€98k▲
Profit (loss) for the period to be appropriated9905€94k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€271k€210k▼
Profit (loss) brought forward from the previous period14P€177k€112k▼
Transfer from equity791/2-€81k
Profit to be distributed694/7€159k€193k▲
Return on contributions (dividend)694€159k€193k▲
The notes to these accounts (7 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €121k ▲2.6%
Operating result €157k, net result €121k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 6current ratio 7.75
Current ratio from 1.41 to 7.75; short-term debt falls from €261k to €33k.
31-12
Financial
Equity above €200kEq €230k ▲107%
4 profitable years in a row build equity to €230k.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €218k ▲72%
2 profitable years in a row build equity to €218k.
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Merchtem · 1 establishment unit since 2017
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.
Kapelleveld 591785 MerchtemGround area
470 m²
Building footprint
217 m²
Volume, LiDAR
1,409 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vilvoordsesteenweg 64, 1850 Grimbergen
since 20172.260.764.053
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0664/00T006 | Flanders | 248 m² | 1 · 101 m² | 8.8 m · 2 fl. |
| 23402E0402/00D022 | Flanders | 222 m² | 1 · 116 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 627 EUR awarded · 627 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 627 EUR | 627 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500A8X7B9I53O9B72
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,554 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
Founded27-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.