Equity
-€2,761
Debts exceed assets in financial year 2025.
Lucemo
Overview
Lifetime
1 annual account with figurespeak -€5,534 (2025)
-€5,534
lowest -€5,761 (2025)
-€5,761
peak -€2,761 (2025)
-€2,761
€5,864
Board1 name since 2024
1 directorCORNELISSENS Mats
Documentsfilings and deeds
24-08-202624 days late
2025micro format
Loss of €5,761First year with figures
Key points
from the 2025 annual accountsAt the same address
11 companies
Position in the sector
-89.0%
Lower solvency than 94% of companies in advertising and market research. Sector median 53.3% · 8,615 companies.
2025 accounts filed 24 days after the deadlineTurnover not published (micro format)
Checked score
53
Fair
Financially stronger than 16% of micro companies in advertising and market research (NACE 73)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,230 companies (NACE 73, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 0.9%
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 1.0%▲ +0.1 percentage points vs 12-2025
02-2026: 1.1%▲ +0.1 percentage points vs 01-2026
03-2026: 1.2%▲ +0.1 percentage points vs 02-2026
04-2026: 1.2%● unchanged vs 03-2026
05-2026: 1.3%▲ +0.1 percentage points vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 1.4%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.8%▼ -0.6 percentage points vs 08-2026lowest value
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€2,761
lowers risk
Size: total assets €3,102
Liquidity: current ratio 0.53, cash €2,324
Sector: Advertising, market research and public relations activities (NACE 73)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 5% of them on solvency, 36% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as Lucemo has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Lucemo itself is lower: 0.8% within 12 months. It rests on far more data about Lucemo than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for Lucemo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 24 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
24 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- CORNELISSENS Mats founderdeed of 27-09-2024
- CORNELISSENS Julie founderdeed of 27-09-2024
- NAUWELAERS Gianni founderdeed of 27-09-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014058883
Incorporation
Founding capital of €3,000 · Founders: CORNELISSENS Mats (founder and shareholder), CORNELISSENS Julie (founder and shareholder) and NAUWELAERS Gianni (founder and shareholder) · Appointment: CORNELISSENS Mats (director) · published on 27-09-2024 · Gazette deed
First establishment
Blauwesteenstraat 110, Kontich
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lucemo Kontich | €3,102 | -€5,534 | -89.0% | - |
| TopOfMedia Roeselare | €2,770 | -€3,577 | -6.0% | - |
| Partners & Profit Duffel | €4,189 | -€2,199 | -15.5% | - |
| Loyalty Incentive Mortsel | €2,164 | -€491 | 64.6% | - |
| Lara C. Sint-Martens-Latem | €3,551 | -€9,165 | -507.5% | - |
| BIZDENSIN Zaventem | €4,068 | -€784 | 55.5% | - |
| Pilli.be Roeselare | €2,748 | -€12,071 | -413.2% | - |
These companies have the same main activity as Lucemo: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €2,160 and €4,190, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 25-09-2024Normal situation
- Registered office
- 13 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- Advertising agenciesNACE 73110
- Establishment unit
- 2.364.157.7392550 Kontich, since 25-09-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 18-04-2025
Insights on Lucemo
Lucemo has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2,761) and a net result of -€5,761.
Its solvency ranks better than 6% of 8,615 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 24-08-2026, 24 days late-€5,534
-€5,804
-€5,761
-€2,761
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €3,102 on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
3,102 | |
29/58 |
3,102 | |
40/41 |
778 | |
40 |
247 | |
41 |
531 | |
54/58 |
2,324 | |
| Balance sheet: equity and liabilities | ||
10/49 |
3,102 | |
10/15 |
-2,761 | |
10/11 |
3,000 | |
14 |
-5,761 | |
17/49 |
5,864 | |
42/48 |
5,864 | |
44 |
597 | |
440/4 |
597 | |
46 |
299 | |
45 |
4,911 | |
450/3 |
756 | |
454/9 |
4,155 | |
47/48 |
57 | |
| Income statement | ||
9900 |
-5,534 | |
640/8 |
270 | |
9901 |
-5,804 | |
75/76B |
48 | |
75 |
48 | |
65/66B |
5 | |
65 |
5 | |
9903 |
-5,761 | |
9904 |
-5,761 | |
9905 |
-5,761 | |
| Appropriation of the result | ||
9906 |
-5,761 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 24 days after the deadline. Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00417680.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 24-08-2026 | 2026-00417680 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -2,761 |
The ratios are withheld because a balance sheet total of €3,102 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on Lucemo
Equity is negative. Debt (€5,864) exceeds the balance-sheet total (€3,102).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 27-09-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 24-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “8. De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of rechtspersonen, al dan niet aandeelhouder, benoemd…”deed of 27-09-2024
Mandates through the years
1 name, the dashed line is todayCORNELISSENS Mats
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- CORNELISSENS Mats
- Director (not named in the articles), appointed by deed of 27-09-2024, still in office
Control
Founders
CORNELISSENS Mats, CORNELISSENS Julie, NAUWELAERS Gianni
This company
Lucemo
Equity -€2,761
Loss €5,761 in 2025
Capital
- Contribution
- €3,000
- Source
- deed of 27-09-2024
Articles of association
deed of 27-09-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “11. De jaarvergadering wordt gehouden in de zetel van de vennootschap of op iedere andere plaats aange-wezen in de oproe-ping, elk jaar de…”
Founders
At incorporation
deed of 27-09-2024 ↗
- CORNELISSENS Mats founder
- CORNELISSENS Julie founder
- NAUWELAERS Gianni founder
Network & group
No group
Lucemo has no parent and no holdings in its annual accounts. CORNELISSENS Mats is the only director. Lucemo shares no director with another company.
At the same address
Blauwesteenstraat 110, 2550 Kontich · 12 other companies| PURE INGREDIENTS
registered office since 14-09-1999 · founded in 1998 |
4.4 FTE (2025) 0464.148.463 |
| ATTRAXI
registered office since 01-11-2012 · founded in 2009 |
total assets €678,556 (2025) 0809.899.520 |
| 3MADE
registered office since 02-09-2020 · founded in 2020 |
0.8 FTE (2025) 0753.612.202 |
| AMS
establishment since 05-12-2013 · founded in 2013 · accounts filed late |
total assets €369,602 (2024) 0542.735.487 |
| DEREK BANDENCENTRALE
registered office since 02-07-2015 · founded in 2015 |
total assets €336,931 (2025) 0633.534.516 |
| Omnichain
establishment since 01-08-2020 · founded in 2017 |
total assets €182,783 (2025) 0678.684.254 |
| Set in motion
registered office since 14-04-2015 · founded in 2015 |
total assets €133,525 (2025) 0628.596.028 |
| Motorkid
registered office since 01-07-2025 |
founded in 2025 1024.960.792 |
| Qualitri
registered office since 20-10-2019 |
founded in 2019 0736.582.267 |
| EM
establishment since 12-02-2010 |
founded in 2007 0887.863.566 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 24 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1014058883
2024
IncorporationFounding capital of €3,000 · Founders: CORNELISSENS Mats (founder and shareholder), CORNELISSENS Julie (founder and shareholder) and NAUWELAERS Gianni (founder and shareholder) · Appointment: CORNELISSENS Mats (director) · published on 27-09-20246 points ▸
- Founder, CORNELISSENS Mats (and shareholder)
- Founder, CORNELISSENS Julie (and shareholder)
- Founder, NAUWELAERS Gianni (and shareholder)
- Founding capital, €3,000
- Director appointment, CORNELISSENS Mats (director (not named in the articles))
- Pre-incorporation commitments, ratification, 01-08-2024
- The deed holds 3 more points.
First establishment Blauwesteenstraat 110, Kontich
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1014.058.883
- VAT number
- BE 1014.058.883
- Peppol ID
- 0208:1014058883
- Other Peppol ID
- 9925:BE1014058883
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 25-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “11. De jaarvergadering wordt gehouden in de zetel van de vennootschap of op iedere andere plaats aange-wezen in de oproe-ping, elk jaar de…”deed of 27-09-2024 (in Dutch)
- Peppol
- Reachable since 18-04-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Lucemo in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-09-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Blauwe Steenstraat 110 – Unit M, 2550 Kontich”deed of 27-09-2024 (in Dutch)
Activities
NACEBEL 202573110
Advertising agencies main activity
Codes under NACEBEL 2008
73110
Advertising, market research and public relations activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Zowel in België als in het buitenland, voor eigen rekening of voor rekening van derden, of door deelname van dezen; Verkopen, verhuren en in…”deed of 27-09-2024 (in Dutch)
8 activities
- Zowel in België als in het buitenland, voor eigen rekening of voor rekening van derden, of door deelname van dezen
- Verkopen, verhuren en in leasinggeven van led schermen;
- Verkopen, verhuren en in leasinggeven van allerhande audiovisueel materieel en IT materieel;
- Onderhoud en herstellen van led schermen en overig audiovisueel materieel;
- Verhuren van advertentieruimte;
- Grafisch ontwerp;
- Verlenen van marketing advies en optreden als reclamebureau;
- Verlenen van PR en communicatieadvies.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Blauwesteenstraat 110 registered office 2550 Kontich 4643102 Wholesale of electrical household appliances and audio-video equipment | 25-09-2024 | 2.364.157.739 |
Buildings and parcels at the address
- Ground area
- 39 m²
- Buildings
- 19 m²
- Volume, LiDAR
- 53 m³
- Tallest building
- 3.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11602E0039/00G003 | 39 m² | 1 · 19 m² | 3.1 m · 1 |