La Lumaca

Active

Private limited company (pre-2019)founded 201511 yrs activeTiensesteenweg 115, 3010 Leuven, BelgiumKBO/BCE: BE 0599.923.125

The computed 12-month bankruptcy probability of La Lumaca is 4.0% (moderate). The 2024 annual accounts show negative equity (€-52k) and a net result of €-21k. Equity is shrinking by ~62.4% per year across the filed fiscal years. Its solvency ranks better than 7% of 18939 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

17 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency0=

Growth32=

Track record100

Bankruptcy probability, 12 months

4.0% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.07 against 0.09 in 2023; short-term debt: 238.6% and cash: 12.8% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

-203.1%

Return on assets

-82.5%

Age of the figures

21 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €-52k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 · 9 filings

Deviation from the deadline

2025

not confirmed

2024

21 d late

2023

31 d late

2022

28 d late

2021

5 d late

2020

6 d late

2019

56 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€-52k▼ 68.4%

2023 · €-31k

2018: €6k 2019: €-446 2020: €1k 2021: €-14k 2022: €-19k 2023: €-31k

2018 → 2024

Total assets

€26k▼ 25.4%

2023 · €34k

2018: €9k 2019: €9k 2020: €18k 2021: €52k 2022: €41k 2023: €34k

2018 → 2024

Net result

€-21k▼ 73.4%

2023 · €-12k

2018: €423 2019: €-7k 2020: €-11k 2021: €-2k 2022: €-5k 2023: €-12k

2018 → 2024

Working capital

€-57k▼ 42.7%

2023 · €-40k

2018: €5k 2019: €-2k 2020: €501 2021: €22k 2022: €-28k 2023: €-40k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€1k-€-14k€-19k▼ 36.0%€-31k▼ 65.2%€-52k▼ 68.4%

Operating result€-10k-€-2k▲ 83.1%€-4k▼ 146%€-12k▼ 177%€-19k▼ 63.5%

Net result€-11k-€-2k▲ 77.5%€-5k▼ 103%€-12k▼ 146%€-21k▼ 73.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €19k in 2024 against €12k in 2023; the loss grows and 2024 has the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €26k

84.5%

15.5%

Fixed assets €22k▼ 28.9%

Current assets €4k▲ 1.8%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-11k▼

2023 · €-2k

Cash flow

€-12k▼

2023 · €-3k

Solvency

-203.1%▼

2023 · -90.0%

Current ratio

0.07▼

2023 · 0.09

Quick ratio

0.05▼

2023 · 0.07

Debt / equity

-1.49▲

2023 · -2.11

ROA

-82.5%▼

2023 · -35.5%

Interest coverage

-6.24▲

2023 · -8.21

Debt

€78k▲

2023 · €65k

Debt ≤ 1 year

€61k▲

2023 · €44k

Debt > 1 year

€17k▼

2023 · €21k

Staff costs

€48▼

2023 · €428

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€34k€26k▼

Fixed assets21/28€30k€22k▼

Tangible fixed assets22/27€30k€22k▼

Plant, machinery and equipment23€480€248▼

Furniture and vehicles24€30k€21k▼

Current assets29/58€4k€4k▲

Stocks and contracts in progress3€697€697=

Stocks30/36€697€697=

Amounts receivable within one year40/41€6-

Other amounts receivable41€6-

Cash at bank and in hand54/58€3k€3k▲

Equity and liabilities

Total equity and liabilities10/49€34k€26k▼

Equity10/15€-31k€-52k▼

Contributions10/11€6k€6k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€-39k€-60k▼

Amounts payable17/49€65k€78k▲

Amounts payable after more than one year17€21k€17k▼

Financial debts170/4€21k€17k▼

Amounts payable within one year42/48€44k€61k▲

Trade debts44€79-

Suppliers440/4€79-

Other amounts payable47/48€44k€61k▲

Income statement Code20232024

Remuneration, social security and pensions62€428€48▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼

Other operating charges640/8€2k€1k▼

Gross operating margin9900€122€-9k▼

Operating profit (loss)9901€-12k€-19k▼

Financial charges65/66B€304€2k▲

Recurring financial charges65€304€2k▲

Profit (loss) for the period before taxes9903€-12k€-21k▼

Profit (loss) for the period9904€-12k€-21k▼

Profit (loss) for the period to be appropriated9905€-12k€-21k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-39k€-60k▼

Profit (loss) brought forward from the previous period14P€-27k€-39k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 1Filings 9

2025

21-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 21 days late

2024

31-12

Financial Weakest financial yearnet €-21k

Net result drops to €-21k, the lowest in the series.

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

28-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 28 days late

2022

05-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 5 days late

2021

06-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 6 days late

2020

25-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 56 days late

2019

27-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 58 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

2017

28-07

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Leuven · 1 establishment unit since 2015

establishment The establishment unit on the map

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.

Tiensesteenweg 1153010 Leuven

Ground area

146 m²

Building footprint

96 m²

Volume, LiDAR

949 m³

Parcel 24483E0231/00W002, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

La Lumaca

Tiensesteenweg 115, 3010 LeuvenFood and beverage service activities

since 20152.240.853.715

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24483E0231/00W002	Flanders	146 m²	1 · 96 m²	12.1 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Leuven2.240.853.715

1 permission

Toelating · Eetgelegenheid · since 05-03-2015

Similar companies · same sector, comparable size

Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 2,040 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded05-03-2015

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

56210Event catering

56301Cafés and bars

Sources

Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.