ELUMARO
ActiveSummary
ELUMARO has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €550,128 and a net result of €104,117. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 4711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85=
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 3.59 against 6.11 in 2024; short-term debt: 27.8% and cash: 74.3% of total assets), and 29.2% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
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
70.8%
Return on assets
13.4%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
11 d late
2023
7 d early
2022
3 d early
2021
30 d late
2020
1 d early
2019
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is on the deadline day, and 48% 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 28 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€550,128▼ 34.3%
2024 · €837,800
Total assets
€777,117▼ 23.3%
2024 · €1.0m
Net result
€104,117▼ 20.2%
2024 · €130,542
Working capital
€559,154▼ 33.8%
2024 · €844,996
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€132,663▲ 34.2%€118,792▼ 10.5%€110,568▼ 6.9%€173,586▲ 57.0%€147,094▼ 15.3%
Net result€93,143above the sector's middle half▲ 35.8%€67,472above the sector's middle half▼ 27.6%€78,738above the sector's middle half▲ 16.7%€130,542above the sector's middle half▲ 65.8%€104,117above the sector's middle half▼ 20.2%
Equity€643,048above the sector's middle half▲ 16.6%€710,521above the sector's middle half▲ 10.5%€789,259above the sector's middle half▲ 11.1%€837,800above the sector's middle half▲ 6.2%€550,128above the sector's middle half▼ 34.3%
Total assets€799,639above the sector's middle half▲ 12.1%€865,641above the sector's middle half▲ 8.3%€949,442above the sector's middle half▲ 9.7%€1.0mabove the sector's middle half▲ 6.7%€777,117above the sector's middle half▼ 23.3%
Debt€156,591▼ 3.2%€155,120▼ 0.9%€160,183▲ 3.3%€175,417▲ 9.5%€226,989▲ 29.4%
Working capital€585,995above the sector's middle half▲ 20.8%€655,599above the sector's middle half▲ 11.9%€738,793above the sector's middle half▲ 12.7%€844,996above the sector's middle half▲ 14.4%€559,154above the sector's middle half▼ 33.8%
Solvency80.4%above the sector's middle half▲ 3.1pp82.1%above the sector's middle half▲ 1.7pp83.1%above the sector's middle half▲ 1.0pp82.7%above the sector's middle half▼ 0.4pp70.8%above the sector's middle half▼ 11.9pp
Current ratio5.01above the sector's middle half▲ 0.915.38above the sector's middle half▲ 0.385.74above the sector's middle half▲ 0.366.11above the sector's middle half▲ 0.373.59above the sector's middle half▼ 2.52
Return on assets (ROA)11.6%within the sector's middle half▲ 2.0pp7.8%within the sector's middle half▼ 3.9pp8.3%within the sector's middle half▲ 0.5pp12.9%within the sector's middle half▲ 4.6pp13.4%within the sector's middle half▲ 0.5pp
Staff (FTE)3▲ 150%3=3=3=1.2▼ 60.0%
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, 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
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €777,117
Fixed assets
€2,039 ▼ 31.2%
Current assets
€775,078 ▼ 23.3%
Equity and liabilities €777,117
Equity
€550,128 ▼ 34.3%
Debt
€226,989 ▲ 29.4%
Debt's share of the balance-sheet total rises from 17.3% to 29.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€148,817▼
2024 · €176,339
Cash flow
€105,840▼
2024 · €133,295
Quick ratio
3.58▼
2024 · 6.07
Debt to equity
0.41▲
2024 · 0.21
ROE
18.9%▲
2024 · 15.6%
Interest coverage
37.31▼
2024 · 59.42
Debt ≤ 1 year
€215,924▲
2024 · €165,259
Income taxes
€49,664▼
2024 · €51,941
Staff costs
€47,254▼
2024 · €49,622
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 31,349 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €60,905 | - | - |
| Remuneration, social security and pensions62 | €28,198 | €34,732 | €46,696 | €49,622 | €47,254 | ▼ 4.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,685 | €6,936 | €7,031 | €2,753 | €1,723 | ▼ 37.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €3,967 | €0 | - | - |
| Other operating charges640/8 | €2,427 | €1,990 | €3,320 | €2,938 | €2,306 | ▼ 21.5% |
| Gross operating margin9900 | €169,974 | €162,449 | €171,582 | €228,899 | €198,377 | ▼ 13.3% |
| Operating profit (loss)9901 | €132,663 | €118,792 | €110,568 | €173,586 | €147,094 | ▼ 15.3% |
| Financial income75/76B | €1,437 | €1,801 | €7,062 | €11,864 | €10,676 | ▼ 10.0% |
| Recurring financial income75 | €1,437 | €1,801 | €7,062 | €11,864 | €10,676 | ▼ 10.0% |
| Financial charges65/66B | €4,899 | €15,401 | €7,822 | €2,968 | €3,989 | ▲ 34.4% |
| Recurring financial charges65 | €4,899 | €15,401 | €7,822 | €2,968 | €3,989 | ▲ 34.4% |
| Profit (loss) for the period before taxes9903 | €129,201 | €105,192 | €109,808 | €182,483 | €153,781 | ▼ 15.7% |
| Income taxes67/77 | €36,058 | €37,719 | €31,070 | €51,941 | €49,664 | ▼ 4.4% |
| Profit (loss) for the period9904 | €93,143 | €67,472 | €78,738 | €130,542 | €104,117 | ▼ 20.2% |
| Profit (loss) for the period to be appropriated9905 | €93,143 | €67,472 | €78,738 | €130,542 | €104,117 | ▼ 20.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €799,639 | €865,641 | €949,442 | €1.0m | €777,117 | ▼ 23.3% |
| Fixed assets21/28 | €67,342 | €60,406 | €54,810 | €2,962 | €2,039 | ▼ 31.2% |
| Tangible fixed assets22/27 | €67,092 | €60,156 | €54,560 | €2,712 | €1,789 | ▼ 34.0% |
| Land and buildings22 | €52,602 | €50,848 | €49,095 | €0 | - | - |
| Plant, machinery and equipment23 | €1,166 | €910 | €1,994 | €1,451 | €908 | ▼ 37.4% |
| Furniture and vehicles24 | €13,324 | €8,397 | €3,471 | €1,261 | €881 | ▼ 30.1% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €732,297 | €805,235 | €894,632 | €1.0m | €775,078 | ▼ 23.3% |
| Stocks and contracts in progress3 | €6,280 | €3,445 | €6,059 | €7,253 | €1,818 | ▼ 74.9% |
| Stocks30/36 | €6,280 | €3,445 | €6,059 | €7,253 | €1,818 | ▼ 74.9% |
| Amounts receivable within one year40/41 | €68,143 | €40,757 | €66,724 | €58,045 | €75,310 | ▲ 29.7% |
| Trade receivables40 | €68,143 | €38,840 | €65,946 | €56,351 | €64,914 | ▲ 15.2% |
| Other amounts receivable41 | - | €1,917 | €778 | €1,694 | €10,396 | ▲ 514% |
| Current investments50/53 | €86,656 | €95,581 | €292,247 | €153,712 | €115,147 | ▼ 25.1% |
| Cash at bank and in hand54/58 | €566,085 | €658,687 | €515,865 | €779,091 | €577,213 | ▼ 25.9% |
| Deferred charges and accrued income490/1 | €5,133 | €6,765 | €13,737 | €12,154 | €5,590 | ▼ 54.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €799,639 | €865,641 | €949,442 | €1.0m | €777,117 | ▼ 23.3% |
| Equity10/15 | €643,048 | €710,521 | €789,259 | €837,800 | €550,128 | ▼ 34.3% |
| Contributions10/11 | €75,000 | €75,000 | €75,000 | €0 | - | - |
| Reserves13 | €561,283 | €628,755 | €707,493 | €837,061 | €549,389 | ▼ 34.4% |
| Non-distributable reserves130/1 | €7,500 | €7,500 | €7,500 | €0 | - | - |
| Reserves not available under the articles1311 | €7,500 | €7,500 | €7,500 | €0 | - | - |
| Distributable reserves133 | €553,783 | €621,255 | €699,993 | €837,061 | €549,389 | ▼ 34.4% |
| Profit (loss) carried forward14 | €6,766 | €6,766 | €6,766 | €739 | €739 | = |
| Amounts payable17/49 | €156,591 | €155,120 | €160,183 | €175,417 | €226,989 | ▲ 29.4% |
| Amounts payable within one year42/48 | €146,303 | €149,635 | €155,839 | €165,259 | €215,924 | ▲ 30.7% |
| Trade debts44 | €3,158 | €4,059 | €7,531 | €3,262 | €16,158 | ▲ 395% |
| Suppliers440/4 | €3,158 | €4,059 | €7,531 | €3,262 | €16,158 | ▲ 395% |
| Taxes, remuneration and social security45 | €12,764 | €9,721 | €10,144 | €19,257 | €30,602 | ▲ 58.9% |
| Taxes450/3 | €7,172 | €2,334 | €1,160 | €9,766 | €23,263 | ▲ 138% |
| Remuneration and social security454/9 | €5,591 | €7,387 | €8,984 | €9,491 | €7,339 | ▼ 22.7% |
| Other amounts payable47/48 | €130,382 | €135,855 | €138,163 | €142,741 | €169,164 | ▲ 18.5% |
| Accrued charges and deferred income492/3 | €10,288 | €5,485 | €4,344 | €10,158 | €11,065 | ▲ 8.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €93,143 | €67,472 | €78,738 | €130,542 | €104,117 | ▼ 20.2% |
| + Depreciation and write-downs630 | €6,685 | €6,936 | €7,031 | €2,753 | €1,723 | ▼ 37.4% |
| Operating cash flow (approximation) | €99,829 | €74,408 | €85,769 | €133,295 | €105,840 | ▼ 20.6% |
| Investment in fixed assets (approximation) | - | €0 | -€1,435 | €49,095 | -€800 | ▼ 102% |
| Change in cash | - | €92,602 | -€142,822 | €263,226 | -€201,878 | ▼ 177% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Highest result since 2018net €130,542 ▲65.8%
Operating result €173,586, net result €130,542, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €67,472 ▼27.6%
Net result drops to €67,472, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500,000Eq €534,458 ▲23.2%
2 profitable years in a row build equity to €534,458.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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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Directors · office · real estate
Directors
4 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, Lanaken · 1 establishment unit since 2002
Ground area
894 m²
Building footprint
124 m²
Volume, LiDAR
881 m³
Parcel 73088B0475/00H002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WASSALON ST. HUBERT
since 20022.115.618.401
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73088B0475/00H002 | Flanders | 894 m² | 1 · 124 m² | 11.0 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 6,570 EUR awarded · 6,570 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 6,570 EUR | 6,570 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
984500B9744T7F645927
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Of 998 companies in sector 96102 we hold annual accounts for 458. 216 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-11-2002
Fiscal year end31-12
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478816645
Registered
16-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.