IMMO LAUJUMA
ActiveIMMO LAUJUMA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €16k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+6
Solvency93=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.52 in 2024; short-term debt: 32.4% and cash: 11.9% of total assets), and 32.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
67.6%
Return on assets
7.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
31 d late
2022
25 d late
2021
26 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€0
Total assets
€223k▲ 13.0%
2024 · €198k
2018: €248k
2019: €254k
2020: €248k
2021: €252k
2022: €242k
2023: €230k
2024: €198k
2018 → 2025
Net result
€16k▲ 243%
2024 · €5k
2018: €5k
2019: €4k
2020: €4k
2021: €34k
2022: €9k
2023: €4k
2024: €5k
2018 → 2025
Working capital
€-28k▲ 6.2%
2024 · €-30k
2018: €-103k
2019: €-111k
2020: €-98k
2021: €-66k
2022: €-45k
2023: €-41k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€126k▲ 7.6%€130k▲ 3.5%€135k▲ 3.7%€151k▲ 12.1%
Operating result€46k-€13k▼ 70.7%€7k▼ 49.6%€7k▲ 2.2%€23k▲ 240%
Net result€34k-€9k▼ 73.8%€4k▼ 49.9%€5k▲ 7.4%€16k▲ 243%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 240% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€179k▲ 8.7%
Current assets
€44k▲ 34.8%
Equity and liabilities €223k
Equity
€151k▲ 12.1%
Debt
€72k▲ 15.1%
The debt ratio rises from 31.8% to 32.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €18k
Cash flow
€30k▲
2024 · €16k
Solvency
67.6%▼
2024 · 68.2%
Current ratio
0.61▲
2024 · 0.52
Quick ratio
0.61▲
2024 · 0.52
Debt / equity
0.48▲
2024 · 0.47
ROE
10.8%▲
2024 · 3.5%
ROA
7.3%▲
2024 · 2.4%
Interest coverage
35.44▼
2024 · 42.31
Debt
€72k▲
2024 · €63k
Debt ≤ 1 year
€72k▲
2024 · €63k
Income taxes
€6k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€198k€223k▲
Fixed assets21/28€165k€179k▲
Tangible fixed assets22/27€165k€179k▲
Land and buildings22€154k€146k▼
Plant, machinery and equipment23€1k€824▼
Furniture and vehicles24€10k€32k▲
Current assets29/58€33k€44k▲
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40€9k€12k▲
Cash at bank and in hand54/58€19k€27k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€198k€223k▲
Equity10/15€135k€151k▲
Contributions10/11€88k€88k=
Capital10€88k€88k=
Issued capital100€88k€88k=
Reserves13€42k€63k▲
Distributable reserves133€42k€63k▲
Profit (loss) carried forward14€5k-
Amounts payable17/49€63k€72k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€63k€72k▲
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€18k€37k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€9k€27k▲
Other amounts payable47/48€37k€32k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€23k€42k▲
Operating profit (loss)9901€7k€23k▲
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€429€1k▲
Recurring financial charges65€429€1k▲
Profit (loss) for the period before taxes9903€6k€22k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€5k€16k▲
Profit (loss) for the period to be appropriated9905€5k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€16k▲
Transfer to equity691/2€0€16k▲
To other reserves6921€0€16k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €151k ▲12.1%
8 profitable years in a row build equity to €151k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €34k ▲785%
Operating result €46k, net result €34k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲40.6%
4 profitable years in a row build equity to €117k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €4k ▼5.7%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Herve · 1 establishment unit since 2008
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.
Hauzeur 164650 HerveGround area
129 m²
Building footprint
49 m²
Volume, LiDAR
384 m³
Parcel 63014A0794/00F000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hauzeur 16, 4650 Herve
since 20082.367.096.344
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63014A0794/00F000 | Wallonia | 129 m² | 1 · 49 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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IP MODUS
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-10-1995
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.