Financials
- Financial year
- 2025
- Total assets
- €207,623
- Loss
- -€5,376
- Solvency
- -11.8%
Total assets▲ 105%
Net result
20242025
Luma Living
ActiveSummary
Luma Living has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€24,514) and a net result of -€5,376. Its solvency ranks better than 8% of 38,786 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200
1 site
Size
€207,623total assets 2025
- Equity
- -€24,514
- Loss
- -€5,376
Turnover not published (micro format)
Structure
Accounts filed 29 days late0 of 2 deeds read
Why 53raises riskCapped at 59: negative equityNegative equity -€24,514Founded in 2024lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €207,623Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 21% of its sector peers (NACE 70, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency
13+7
equity -11.8% of total assets
Liquidity
53-2
short-term debt 9.5% · cash 2.4%
Profitability
31+31
return on assets -2.6%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 0.4%lowest value
12-2025: 0.4%● unchanged vs 11-2025lowest value
01-2026: 0.4%● unchanged vs 12-2025lowest value
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.4%▼ -0.3 percentage points vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
No credit on open account
Liquidity ample (current ratio 10.55, compared with 1.09 in 2024, above the usual 1.5; short-term debt: 9.5% and cash: 2.4% of total assets), but equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 70, micro): better than 7% on solvency, 42% on liquidity, 16% on profitability and 19% on growth.
The bankruptcy probability was computed on 14-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€24,514
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 2 filingsDeviation from the deadline
2025
29 days late
2024
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 25 days after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
15-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Liquidity more than 9 timescurrent ratio 10.55
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Timeline
- Events
- 3
- Since
- 2025
- Next accounts
- by 31-07-2027
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 15-10-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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