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IMMO LUMA

Active
Public limited companyfounded 199926 yrs activeRue des Bois(TR) 42, 6183 Courcelles, BelgiumKBO/BCE: BE 0467.734.691
Summary

IMMO LUMA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €283,117 and a net result of €86,134. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 19372 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch ReportCompare
IMMO LUMAActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203Hotels NACE 55101
5 sites
Size
€472,764total assets 2024
Equity
€283,117
Profit
€86,134
Turnover not published (abridged schema)
Financial health
67 Healthy Checked score 2024
Bankruptcy chance 12 m
1.2%
Structure
Accounts 64 d overdue0 of 6 deeds read
Why 67- Figures for FY 2024 (filed 30-09-2025)- Liquidity: current ratio 0.54, cash €6,712, halved- 1 financial year not filed after the legal deadline; latest accounts 55 days late; 2 of the last 3 late+ Founded in 1999Show the evidence

Checked score

Score 2024
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 68% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 85+25
equity 59.9% of total assets
Liquidity 35-3
short-term debt 36.9% · cash 1.4%
Profitability 92+11
return on assets 18.2%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,360 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%▼ -3.5% vs 01-2025lowest value 03-2025: 0.4%▲ +11.3% vs 02-2025 04-2025: 0.4%▲ +0.8% vs 03-2025 05-2025: 0.4%▼ -1.1% vs 04-2025 06-2025: 0.3%▼ -8.0% vs 05-2025 07-2025: 0.4%▲ +24.5% vs 06-2025 08-2025: 0.6%▲ +32.1% vs 07-2025 09-2025: 0.6%▲ +4.7% vs 08-2025 10-2025: 0.5%▼ -11.1% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%● 0.0% vs 11-2025 01-2026: 0.5%▼ -0.8% vs 12-2025 02-2026: 0.5%▲ +1.2% vs 01-2026 03-2026: 0.5%▼ -1.6% vs 02-2026 04-2026: 0.5%▼ -3.2% vs 03-2026 05-2026: 0.5%▲ +2.4% vs 04-2026 06-2026: 0.5%▼ -1.8% vs 05-2026 07-2026: 0.5%▲ +4.9% vs 06-2026 08-2026: 0.8%▲ +56.9% vs 07-2026 09-2026: 0.9%▲ +10.2% vs 08-2026 10-2026: 1.2%▲ +32.6% vs 09-2026highest value
  • Figures for FY 2024 (filed 30-09-2025) raises the probability
  • Liquidity: current ratio 0.54, cash €6,712, halved raises the probability
  • 1 financial year not filed after the legal deadline; latest accounts 55 days late; 2 of the last 3 late raises the probability
  • Founded in 1999 lowers the probability for this profile
Credit up to €18,000 at 30 days acceptable
Liquidity short (current ratio 0.54 against 0.44 in 2023; short-term debt: 36.9% and cash: 1.4% of total assets), and 40.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 71%, liquidity 28%, profitability 87%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 30-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.54, cash €6,712, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 55 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 1999
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 filings
Deviation from the deadline
2025
not confirmed
2024
55 d late
2023
39 d late
2022
30 d late
2021
203 d late
2020
30 d late
2019
88 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 74 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Highest result since 2018net €86,134 ▲673%
  3. Equity above €200,000Eq €283,117 ▲43.7%

Key points

  • Positive: Result rose in 2024from €11,137 to €86,134 ▲ 673% View
  • Positive: Among the best 10% on net resultsector median €4,436 · 19,358 companies €86,134 View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Positive: 5 profitable years in a rowprofit 2024: €86,134 5 years View

By topic

Financials

Fiscal year
2024
Total assets
€472,764
Profit
€86,134
Solvency
59.9%
Turnover▲ 162%
Net result
20212023
Go to Financials

Timeline

Events
14
Since
2016
  1. 24-09-2025Annual accounts filed
  2. 31-12-2024Highest result since 2018
  3. 31-12-2024Equity above €200,000
Go to Timeline

Company details

Sites
5
Legal form
Public limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
30-11-1999
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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