LuMa-Pro
ActiveSummary
LuMa-Pro is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €225k and a net result of €-3k. Its solvency ranks better than 63% of 18280 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes
Profitability18
Solvency75
Growth-
Track record50
Credit verdict
Credit up to €10k at 30 days only on tighter terms
Liquidity short (current ratio 0.76; short-term debt: 34.5% and cash: 8.7% of total assets), and 50.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
20 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€225k
Total assets
€454k
Net result
€-3k
Working capital
€-37k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €449k
Fixed assets
€330k
Current assets
€119k
Equity and liabilities €454k
Equity
€225k
Debt
€228k
Debt finances 50.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€-1k
Cash flow
€-2k
Current ratio
0.76
Quick ratio
0.75
Debt to equity
1.01
ROE
-1.1%
ROA
-0.6%
Interest coverage
-1.94
Debt ≤ 1 year
€157k
Debt > 1 year
€72k
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet
Code2025
Assets
Total assets20/58€454k
Formation expenses20€5k
Fixed assets21/28€330k
Tangible fixed assets22/27€330k
Land and buildings22€228k
Assets under construction and advance payments27€102k
Current assets29/58€119k
Stocks and contracts in progress3€1k
Stocks30/36€1k
Amounts receivable within one year40/41€78k
Trade receivables40€77k
Other amounts receivable41€1k
Cash at bank and in hand54/58€39k
Equity and liabilities
Total equity and liabilities10/49€454k
Equity10/15€225k
Contributions10/11€228k
Profit (loss) carried forward14€-3k
Amounts payable17/49€228k
Amounts payable after more than one year17€72k
Financial debts170/4€72k
Amounts payable within one year42/48€157k
Trade debts44€104k
Suppliers440/4€104k
Other amounts payable47/48€53k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€262
Other operating charges640/8€400
Gross operating margin9900€-1k
Operating profit (loss)9901€-2k
Financial charges65/66B€773
Recurring financial charges65€773
Profit (loss) for the period before taxes9903€-3k
Profit (loss) for the period9904€-3k
Profit (loss) for the period to be appropriated9905€-3k
Appropriation of the result
Profit (loss) to be appropriated9906€-3k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
NBB filing
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, Brakel · 1 establishment unit since 2025
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.
Geraardsbergsestraat 699660 BrakelGround area
991 m²
Building footprint
11 m²
Volume, LiDAR
39 m³
Parcel 45028B0710/00L002, Flanders · tallest building 4.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TUINMACHINES HEERMAN
since 20252.379.348.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45028B0710/00L002 | Flanders | 991 m² | 1 · 11 m² | 4.6 m · 1 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 3,387 companies in sector 47761 we hold annual accounts for 1,156. 913 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2025
Fiscal year end31-12
Activities, NACEBEL 2025
46610Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
33120Repair and maintenance of machinery
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.