LUMA20
ActiveSummary
The computed 12-month bankruptcy probability of LUMA20 is 2.4% (moderate). The 2025 annual accounts show equity of €87k and a net result of €84k. Its solvency ranks better than 50% of 13305 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency55
Growth-
Track record67
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.64; short-term debt: 40.6% and cash: 57.6% of total assets), but 69.8% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
30.2%
Return on assets
29.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-08-2026, 1 day 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
1 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€87k
Total assets
€287k
Net result
€84k
Working capital
€74k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €287k
Fixed assets
€96k
Current assets
€191k
Equity and liabilities €287k
Equity
€87k
Debt
€200k
Debt finances 69.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€144k
Cash flow
€107k
Current ratio
1.64
Quick ratio
1.52
Debt to equity
2.31
ROE
96.5%
ROA
29.2%
Interest coverage
10.20
Debt ≤ 1 year
€116k
Debt > 1 year
€84k
Income taxes
€22k
Staff costs
€120k
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet
Code2025
Assets
Total assets20/58€287k
Fixed assets21/28€96k
Tangible fixed assets22/27€90k
Plant, machinery and equipment23€84k
Furniture and vehicles24€5k
Financial fixed assets28€7k
Current assets29/58€191k
Stocks and contracts in progress3€14k
Stocks30/36€14k
Amounts receivable within one year40/41€11k
Trade receivables40€11k
Cash at bank and in hand54/58€165k
Deferred charges and accrued income490/1€464
Equity and liabilities
Total equity and liabilities10/49€287k
Equity10/15€87k
Contributions10/11€3k
Profit (loss) carried forward14€84k
Amounts payable17/49€200k
Amounts payable after more than one year17€84k
Financial debts170/4€84k
Amounts payable within one year42/48€116k
Current portion of amounts payable after more than one year42€14k
Trade debts44€41k
Suppliers440/4€41k
Taxes, remuneration and social security45€61k
Taxes450/3€45k
Remuneration and social security454/9€17k
Income statement
Code2025
Remuneration, social security and pensions62€120k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k
Other operating charges640/8€838
Gross operating margin9900€265k
Operating profit (loss)9901€120k
Financial income75/76B€36
Recurring financial income75€36
Financial charges65/66B€14k
Recurring financial charges65€14k
Profit (loss) for the period before taxes9903€106k
Income taxes67/77€22k
Profit (loss) for the period9904€84k
Profit (loss) for the period to be appropriated9905€84k
Appropriation of the result
Profit (loss) to be appropriated9906€84k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
01-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2024
Ground area
882 m²
Building footprint
98 m²
Volume, LiDAR
664 m³
Parcel 56058B0363/00A002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUMA20
since 20242.364.482.886
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0363/00A002 | Wallonia | 882 m² | 1 · 98 m² | 8.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHam-sur-Heure-Nalinnes2.364.482.886
Similar companies · same sector, comparable size
KURMAR
BE 0631.856.614
Balen · Eq €86,664
SARTOUR
BE 0476.827.947
Beveren-Kruibeke-Zwijndrecht · Eq €86,684
Alexander de Grote
BE 0454.389.867
Diest · Eq €86,686
Brasserie - Taverne de la Plume
BE 0446.679.159
Soumagne · Eq €86,649
UNIWEST
BE 0806.086.529
Kortrijk · Eq €86,649
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,709 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
Founded01-10-2024
Fiscal year end31-12
Trade name FR
LUMA
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.