Lucumbus
ActiveLucumbus has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €348k and a net result of €54k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.14 against 4.26 in 2024; short-term debt: 19.4% and cash: 56.7% of total assets), and 19.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
80.6%
Return on assets
12.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
24 d early
2023
1 d early
2022
6 d early
2021
48 d early
2020
46 d early
2019
21 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€348k▲ 18.3%
2024 · €294k
2018: €169k
2019: €76k
2020: €171k
2021: €171k
2022: €226k
2023: €246k
2024: €294k
2018 → 2025
Total assets
€432k▲ 12.4%
2024 · €384k
2018: €314k
2019: €389k
2020: €267k
2021: €359k
2022: €321k
2023: €270k
2024: €384k
2018 → 2025
Net result
€54k▲ 11.1%
2024 · €48k
2018: €48k
2019: €77k
2020: €163k
2021: €95k
2022: €55k
2023: €20k
2024: €48k
2018 → 2025
Working capital
€347k▲ 18.7%
2024 · €292k
2018: €165k
2019: €75k
2020: €171k
2021: €166k
2022: €223k
2023: €242k
2024: €292k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171k-€226k▲ 32.4%€246k▲ 8.7%€294k▲ 19.7%€348k▲ 18.3%
Operating result€128k-€74k▼ 41.8%€26k▼ 65.5%€64k▲ 150%€72k▲ 11.9%
Net result€95k-€55k▼ 41.9%€20k▼ 64.5%€48k▲ 146%€54k▲ 11.1%
Turnover and EBIT margin not published: the abbreviated 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 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €432k
Fixed assets
€2k▼ 33.0%
Current assets
€430k▲ 12.7%
Equity and liabilities €432k
Equity
€348k▲ 18.3%
Debt
€84k▼ 6.7%
The debt ratio falls from 23.3% to 19.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €65k
Cash flow
€55k▲
2024 · €50k
Solvency
80.6%▲
2024 · 76.7%
Current ratio
5.14▲
2024 · 4.26
Quick ratio
5.14▲
2024 · 4.26
Debt / equity
0.24▼
2024 · 0.30
ROE
15.4%▼
2024 · 16.4%
ROA
12.5%▼
2024 · 12.6%
Interest coverage
813.67▲
2024 · 634.44
Debt
€84k▼
2024 · €90k
Debt ≤ 1 year
€84k▼
2024 · €90k
Income taxes
€19k▲
2024 · €16k
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€384k€432k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€1k€327▼
Furniture and vehicles24€1k€327▼
Financial fixed assets28€1k€1k=
Current assets29/58€382k€430k▲
Amounts receivable within one year40/41€103k€184k▲
Trade receivables40€94k€178k▲
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€278k€245k▼
Deferred charges and accrued income490/1€879€1k▲
Equity and liabilities
Total equity and liabilities10/49€384k€432k▲
Equity10/15€294k€348k▲
Contributions10/11€6k€6k=
Reserves13€288k€342k▲
Distributable reserves133€288k€342k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€90k€84k▼
Amounts payable within one year42/48€90k€84k▼
Trade debts44€85k€77k▼
Suppliers440/4€85k€77k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€694€532▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€818▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€30k▲
Other operating charges640/8€1k€740▼
Gross operating margin9900€67k€104k▲
Operating profit (loss)9901€64k€72k▲
Financial income75/76B€721€724▲
Recurring financial income75€721€724▲
Financial charges65/66B€103€89▼
Recurring financial charges65€103€89▼
Profit (loss) for the period before taxes9903€65k€72k▲
Income taxes67/77€16k€19k▲
Profit (loss) for the period9904€48k€54k▲
Profit (loss) for the period to be appropriated9905€48k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€123k€54k▼
Profit (loss) brought forward from the previous period14P€75k€0▼
Transfer to equity691/2€123k€54k▼
To other reserves6921€123k€54k▼
The notes to these accounts (11 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €20k ▼64.5%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 11.30
Current ratio from 3.35 to 11.30; short-term debt falls from €95k to €24k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €226k ▲32.4%
5 profitable years in a row build equity to €226k.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €163k ▲113%
Operating result €205k, net result €163k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.83
Current ratio from 1.24 to 2.83; short-term debt falls from €310k to €94k.
31-12
Financial
Equity above €150kEq €171k ▲125%
3 profitable years in a row build equity to €171k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Temse · 1 establishment unit since 1999
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.
Cauwerburg 3289140 TemseGround area
6,820 m²
Building footprint
353 m²
Volume, LiDAR
1,901 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUCUMBUS BVBA
since 19992.091.782.432
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028B0266/00H003 | Flanders | 4,337 m² | 1 · 171 m² | 6.1 m · 1 fl. |
| 46026A0703/03A000 | Flanders | 2,483 m² | 1 · 182 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-1999
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.