Lovalumen has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €108k and a net result of €-34k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 18% of 9625 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 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
not confirmed
2024
7 d late
2023
121 d late
2022
31 d late
2021
120 d late
2020
247 d late
2019
145 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€108k▼ 24.0%
2023 · €142k
2018: €102k
2019: €92k
2020: €114k
2021: €116k
2022: €118k
2023: €142k
2018 → 2024
Total assets
€1.03M▲ 3.4%
2023 · €1.00M
2018: €1.16M
2019: €1.15M
2020: €1.16M
2021: €1.15M
2022: €1.15M
2023: €1.00M
2018 → 2024
Net result
€-34k
2023 · €24k
2018: €11k
2019: €-10k
2020: €22k
2021: €3k
2022: €1k
2023: €24k
2018 → 2024
Working capital
€-692k▼ 5.2%
2023 · €-658k
2018: €-634k
2019: €-558k
2020: €-536k
2021: €-593k
2022: €-622k
2023: €-658k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€114k-€116k▲ 2.4%€118k▲ 1.3%€142k▲ 20.5%€108k▼ 24.0%
Operating result€36k-€11k▼ 70.2%€11k▼ 2.9%€44k▲ 320%€-13k
Net result€22k-€3k▼ 87.3%€1k▼ 46.5%€24k▲ 1,531%€-34k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €13k after €44k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.03M
Fixed assets
€800k=
Current assets
€234k▲ 16.8%
Equity and liabilities €1.03M
Equity
€108k▼ 24.0%
Debt
€926k▲ 7.9%
The debt ratio rises from 85.8% to 89.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
10.4%▼
2023 · 14.2%
ROE
-31.5%▼
2023 · 17.0%
ROA
-3.3%▼
2023 · 2.4%
Debt
€926k▲
2023 · €858k
Debt ≤ 1 year
€926k▲
2023 · €858k
Income taxes
€20k▲
2023 · €14k
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€1.00M€1.03M▲
Fixed assets21/28€800k€800k=
Financial fixed assets28€800k€800k=
Current assets29/58€200k€234k▲
Amounts receivable within one year40/41€200k€218k▲
Trade receivables40€97k€125k▲
Other amounts receivable41€103k€93k▼
Cash at bank and in hand54/58€175€379▲
Deferred charges and accrued income490/1€134€16k▲
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.03M▲
Equity10/15€142k€108k▼
Contributions10/11€19k€19k=
Reserves13€123k€89k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€122k€87k▼
Amounts payable17/49€858k€926k▲
Amounts payable within one year42/48€858k€926k▲
Trade debts44€22k€37k▲
Suppliers440/4€22k€37k▲
Taxes, remuneration and social security45€50k€58k▲
Taxes450/3€45k€50k▲
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€786k€832k▲
Income statement
Code20232024
Other operating charges640/8€5k€234▼
Gross operating margin9900€49k€-12k▼
Operating profit (loss)9901€44k€-13k▼
Financial income75/76B€3€8▲
Recurring financial income75€3€8▲
Financial charges65/66B€6k€1k▼
Recurring financial charges65€6k€1k▼
Profit (loss) for the period before taxes9903€39k€-14k▼
Income taxes67/77€14k€20k▲
Profit (loss) for the period9904€24k€-34k▼
Profit (loss) for the period to be appropriated9905€24k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-34k▼
Transfer from equity791/2-€34k
Transfer to equity691/2€24k-
To other reserves6921€24k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
31-12
Financial
Weakest financial yearnet €-34k ▼241%
Net result drops to €-34k, the lowest in the series.
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 121 days late
2023
31-12
Financial
Highest result since 2018net €24k ▲1531%
Operating result €44k, net result €24k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 120 days late
04-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 247 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €100kEq €114k ▲23.8%
Equity rises from €92k to €114k.
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 145 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 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, Holsbeek · 1 establishment unit since 2012
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.
Dellestraat 233220 HolsbeekGround area
4,058 m²
Building footprint
216 m²
Volume, LiDAR
1,313 m³
Parcel 24043F0017/00T002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dellestraat 23, 3220 Holsbeek
since 20122.210.135.201
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043F0017/00T002 | Flanders | 4,057 m² | 1 · 216 m² | 6.7 m · 2 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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Of 766 companies in sector 47552 we hold annual accounts for 444. 366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2012
Fiscal year end31-12
Activities, NACEBEL
47552Retail sale of lighting equipment
47592Retail trade
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.