LUMA-Consulting
ActiveLUMA-Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €31k. Equity is growing by ~57.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.82 against 6.38 in 2024; short-term debt: 17% and cash: 29.1% of total assets), and 17% 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+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
83%
Return on assets
30.7%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
15 d early
2024
35 d early
2023
2 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 58.6%
2024 · €53k
2023: €23k
2024: €53k
2023 → 2025
Total assets
€100k▲ 66.5%
2024 · €60k
2023: €40k
2024: €60k
2023 → 2025
Net result
€31k▲ 3.4%
2024 · €30k
2023: €18k
2024: €30k
2023 → 2025
Working capital
€65k▲ 56.2%
2024 · €42k
2023: €20k
2024: €42k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€53k▲ 131%€83k▲ 58.6%
Operating result€24k-€36k▲ 53.3%€50k▲ 36.7%
Net result€18k-€30k▲ 67.5%€31k▲ 3.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€18k▲ 68.1%
Current assets
€82k▲ 66.2%
Equity and liabilities €100k
Equity
€83k▲ 58.6%
Debt
€17k▲ 120%
The debt ratio rises from 12.9% to 17.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €37k
Cash flow
€34k▲
2024 · €31k
Solvency
83.0%▼
2024 · 87.1%
Current ratio
4.82▼
2024 · 6.38
Quick ratio
4.82▼
2024 · 6.38
Debt / equity
0.20▲
2024 · 0.15
ROE
36.9%▼
2024 · 56.7%
ROA
30.7%▼
2024 · 49.4%
Interest coverage
38.86▼
2024 · 79.71
Debt
€17k▲
2024 · €8k
Debt ≤ 1 year
€17k▲
2024 · €8k
Income taxes
€18k▲
2024 · €7k
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€60k€100k▲
Fixed assets21/28€11k€18k▲
Tangible fixed assets22/27€11k€18k▲
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€10k€13k▲
Current assets29/58€50k€82k▲
Amounts receivable within one year40/41€12k€4k▼
Trade receivables40€5k-
Other amounts receivable41€6k€4k▼
Current investments50/53-€49k
Cash at bank and in hand54/58€38k€29k▼
Equity and liabilities
Total equity and liabilities10/49€60k€100k▲
Equity10/15€53k€83k▲
Contributions10/11€5k€5k=
Reserves13€48k€78k▲
Distributable reserves133€48k€78k▲
Amounts payable17/49€8k€17k▲
Amounts payable within one year42/48€8k€17k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€695€1k▲
Suppliers440/4€695€1k▲
Taxes, remuneration and social security45€5k€16k▲
Taxes450/3€5k€16k▲
Other amounts payable47/48€7-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€917€3k▲
Other operating charges640/8€118€120▲
Gross operating margin9900€37k€53k▲
Operating profit (loss)9901€36k€50k▲
Financial income75/76B€664€338▼
Recurring financial income75€664€338▼
Financial charges65/66B€469€1k▲
Recurring financial charges65€469€1k▲
Profit (loss) for the period before taxes9903€37k€49k▲
Income taxes67/77€7k€18k▲
Profit (loss) for the period9904€30k€31k▲
Profit (loss) for the period to be appropriated9905€30k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€31k▲
Transfer to equity691/2€30k€31k▲
To other reserves6921€30k€31k▲
The notes to these accounts (6 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €31k ▲3.4%
Operating result €50k, net result €31k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 6.38
Current ratio from 2.20 to 6.38; short-term debt falls from €17k to €8k.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
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, Antwerpen · 1 establishment unit since 2022
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.
Uitspanningstraat 172610 AntwerpenGround area
149 m²
Building footprint
72 m²
Volume, LiDAR
352 m³
Parcel 11463D0334/00A007, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUMA-Consulting
since 20222.335.436.831
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0334/00A007 | Flanders | 149 m² | 1 · 72 m² | 6.5 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.
Similar companies · same sector, comparable size
LAURENT SERVAIS CONSULTING
BE 0740.853.534
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3SB
BE 0831.489.047
Ukkel · Eq €83k
STIJN SEURS
BE 0797.347.126
Hasselt · Eq €83k
OGIA
BE 1024.831.229
Liège · Eq €83k
CROMA CONSULTING
BE 0463.770.757
Schilde · Eq €83k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74300Other professional, scientific and technical activities
74301Translation services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.