LUMA
ActiveLUMA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €361k and a net result of €-2k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 82% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+4
Solvency100=
Growth51=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.67 against 5.07 in 2024; short-term debt: 4.9% and cash: 22.9% of total assets), and 15% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
49 d early
2023
54 d early
2022
40 d late
2021
20 d early
2020
10 d early
2019
47 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€15k▲ 6.7%
2022 · €14k
2020: €13k
2021: €14k
2022: €14k
2020 → 2023
EBIT margin
-23.5%▼ 5.0pp
2022 · -18.5%
2020: -37.4%
2021: -21.3%
2022: -18.5%
2020 → 2023
Net result
€-2k▲ 41.7%
2024 · €-4k
2018: €68k
2019: €68k
2020: €-4k
2021: €79k
2022: €-64k
2023: €-5k
2024: €-4k
2018 → 2025
Working capital
€77k▼ 9.0%
2024 · €85k
2018: €173k
2019: €53k
2020: €59k
2021: €98k
2022: €78k
2023: €95k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14k-€14k▼ 0.6%€15k▲ 6.7%
Equity€436k-€372k▼ 14.7%€367k▼ 1.3%€363k▼ 1.1%€361k▼ 0.6%
Operating result€-3k-€-3k▲ 13.6%€-3k▼ 35.3%€-3k▲ 2.3%€-2k▲ 54.4%
Net result€79k-€-64k€-5k▲ 92.3%€-4k▲ 18.2%€-2k▲ 41.7%
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 stays negative: a loss of €2k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424k
Fixed assets
€326k▼ 3.5%
Current assets
€98k▼ 7.1%
Equity and liabilities €424k
Equity
€361k▼ 0.6%
Debt
€64k▼ 21.1%
The debt ratio falls from 18.2% to 15.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €8k
Cash flow
€10k▲
2024 · €8k
Solvency
85.0%▲
2024 · 81.8%
Current ratio
4.67▼
2024 · 5.07
Quick ratio
4.67▼
2024 · 5.07
Debt / equity
0.18▼
2024 · 0.22
ROE
-0.7%▲
2024 · -1.1%
ROA
-0.6%▲
2024 · -0.9%
Interest coverage
8.55▲
2024 · 5.61
Debt
€64k▼
2024 · €81k
Debt ≤ 1 year
€21k▲
2024 · €21k
Debt > 1 year
€41k▼
2024 · €60k
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€444k€424k▼
Fixed assets21/28€338k€326k▼
Tangible fixed assets22/27€338k€326k▼
Land and buildings22€338k€326k▼
Plant, machinery and equipment23€240€0▼
Current assets29/58€105k€98k▼
Amounts receivable after more than one year29-€774
Trade receivables290-€774
Cash at bank and in hand54/58€105k€97k▼
Equity and liabilities
Total equity and liabilities10/49€444k€424k▼
Equity10/15€363k€361k▼
Contributions10/11€68k€68k=
Reserves13€372k€372k=
Distributable reserves133€372k€372k=
Profit (loss) carried forward14€-78k€-80k▼
Amounts payable17/49€81k€64k▼
Amounts payable after more than one year17€60k€41k▼
Financial debts170/4€60k€41k▼
Amounts payable within one year42/48€21k€21k▲
Financial debts43€18k€19k▲
Credit institutions430/8€18k€19k▲
Taxes, remuneration and social security45€65€45▼
Taxes450/3€65-
Remuneration and social security454/9-€45
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8-€2k
Gross operating margin9900€8k€13k▲
Operating profit (loss)9901€-3k€-2k▲
Financial income75/76B€743€412▼
Recurring financial income75€743€412▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-4k€-2k▲
Income taxes67/77€-149-
Profit (loss) for the period9904€-4k€-2k▲
Profit (loss) for the period to be appropriated9905€-4k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-78k€-80k▼
Profit (loss) brought forward from the previous period14P€-74k€-78k▼
The notes to these accounts (7 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 40 days late
2022
31-12
Financial
Weakest financial yearnet €-64k ▼181%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €79k
Net result €79k after one loss-making year.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 16current ratio 35.70
Current ratio from 2.29 to 35.70; short-term debt falls from €41k to €2k.
14-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Aalter · 1 establishment unit since 2011
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.
Hof van Praet 139880 AalterGround area
1,751 m²
Building footprint
104 m²
Volume, LiDAR
1,634 m³
Parcel 44502C0004/00S000, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
LUMA cva
since 20112.195.699.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44502C0004/00S000 | Flanders | 1,751 m² | 1 · 104 m² | 17.9 m · 5 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 82,570 companies in sector 70200 we hold annual accounts for 52,574. 37,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.