Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CUMFIDES MANAGEMENT from Kontich, company number BE0896608414, closed financial year 2025 with a result of € -7,558 after tax. For that financial year CUMFIDES MANAGEMENT recorded a gross margin of € 295,441 and equity of € -1.4 million. Compared with financial year 2024, the result moved from € -58,699 to € -7,558. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 16, 2026.
€ -1.4 million
▼ € 7,558 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,558
▲ 87 % less loss than in 2024
Profit after tax over the fiscal year.
€ 160,279
▲ 42% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.4 million.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 1,929
▲ 8% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 447,190
▼ 26% vs 2024
€ 153,336 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 5,151
▼ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,470
▼ 19% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 102,359 | € 168,254 | € 227,427 | € 295,441 | ▲ 30% |
| Profit after taxes | € -177,205 | € -127,159 | € -58,699 | € -7,558 | ▲ € 51,141 |
| Equity | € -1,201,562 | € -1,328,721 | € -1,387,421 | € -1,394,979 | ▼ € 7,558 |
| Total debts | € 4,128,854 | € 4,152,243 | € 4,096,756 | € 4,025,186 | ▼ 2% |
| Cash | € 38,444 | € 22,330 | € 112,763 | € 160,279 | ▲ 42% |
| Land & buildings | € 2,699,073 | € 2,604,964 | € 2,396,526 | € 2,198,957 | ▼ 8% |
| Retained profit | € -1,221,562 | € -1,350,721 | € -1,407,421 | € -1,414,979 | ▼ € 7,558 |
| Bank debt | € 894,420 | € 741,084 | € 600,526 | € 447,190 | ▼ 26% |
| Balance sheet total | € 2,927,292 | € 2,823,521 | € 2,709,335 | € 2,630,207 | ▼ 3% |
Key figures of CUMFIDES MANAGEMENT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CUMFIDES MANAGEMENT?
What happened at CUMFIDES MANAGEMENT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,558. Source: NBB ↗
- New establishment in Lier. KBO
- Start of the company according to the CBE. KBO
- New establishment in Kontich. KBO
- Henri De Smedt became a director. NBB
In short
From € 177,205 loss in 2022 to € 7,558 loss in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CUMFIDES MANAGEMENT is Henri De Smedt. It owns 0% of Zevenbergen sportvereniging, 0% of Angelwise Arkiv privak, 0% of Ark Angels Activator Fund and 0% of Volta Ventures Arkiv itself.
Directors
According to the 2025 annual accounts
Henri De Smedt
Director
Also active at: Sportvereniging Zevenbergen Lier, Ark Angels Activator Fund Beheer, Ark Angels Activator Fund, Officenter A12, CumFides Finance
since 2008
Establishments
Establishment units
Physical locations of this company
Antwerpsesteenweg 54
2550 Kontich
Antwerpsestraat 67
2500 Lier
Active since 24 September 2024
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0896.608.414
- VAT number
- BE 0896.608.414
- Registered office
- Antwerpsesteenweg 54, 2550 Kontich
- Names & denominations
- CUMFIDES MANAGEMENT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 March 2008
- Peppol
- Active · Active since 2 Jan 2026
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Activiteiten van holdings
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Holdings
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering