Financials
- Financial year
- 2026
- Total assets
- €83,651
- Profit
- €722
- Solvency
- -46.6%
LUMADIE
ActiveSummary
LUMADIE has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show negative equity (-€38,996) and a net result of €722. Its solvency ranks better than 15% of 185 sector peers (NACE 56, financial year 2026). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Activity
Cafés and bars
NACE 56301
1 site
Size
€83,651total assets 2026
- Staff
- 3.3 FTE
- Equity
- -€38,996
- Profit
- €722
Turnover not published (micro format)
Structure
- L'HOYES Chantal Josée ValentineDirector
- L'HOYES LucDirector
Accounts 33 days early3 of 4 deeds read
Why 53raises riskCapped at 59: negative equityNegative equity -€38,996Sector: Food and beverage service activities (NACE 56)lowers riskFounded in 2013Size: total assets €83,651Show the evidence
Checked score
Score 2026
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 18% of its sector peers (NACE 56, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength
Weak
Solvency
0
equity -46.6% of total assets
Liquidity
13
short-term debt 125.2% · cash 10.7%
Profitability
43
return on assets 0.9%
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.6%highest value
12-2024: 1.6%● unchanged vs 11-2024highest value
01-2025: 1.2%▼ -0.4 percentage points vs 12-2024lowest value
02-2025: 1.2%● unchanged vs 01-2025lowest value
03-2025: 1.2%● unchanged vs 02-2025lowest value
04-2025: 1.2%● unchanged vs 03-2025lowest value
05-2025: 1.2%● unchanged vs 04-2025lowest value
06-2025: 1.2%● unchanged vs 05-2025lowest value
07-2025: 1.2%● unchanged vs 06-2025lowest value
08-2025: 1.2%● unchanged vs 07-2025lowest value
09-2025: 1.2%● unchanged vs 08-2025lowest value
10-2025: 1.2%● unchanged vs 09-2025lowest value
11-2025: 1.2%● unchanged vs 10-2025lowest value
12-2025: 1.2%● unchanged vs 11-2025lowest value
01-2026: 1.2%● unchanged vs 12-2025lowest value
02-2026: 1.2%● unchanged vs 01-2026lowest value
03-2026: 1.2%● unchanged vs 02-2026lowest value
04-2026: 1.2%● unchanged vs 03-2026lowest value
05-2026: 1.2%● unchanged vs 04-2026lowest value
06-2026: 1.2%● unchanged vs 05-2026lowest value
07-2026: 1.2%● unchanged vs 06-2026lowest value
08-2026: 1.2%● unchanged vs 07-2026lowest value
09-2026: 1.2%● unchanged vs 08-2026lowest value
10-2026: 1.4%▲ +0.2 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.42, below 1; short-term debt: 125.2% and cash: 10.7% of total assets), and 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 56, micro): better than 9% on solvency, 12% on liquidity and 33% on profitability.
The bankruptcy probability was computed on 22-10-2026 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 185 sector peers (2026).
NBB · sector comparisonPosition among 185 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 28-09-2026, 33 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2026
33 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2026 · micro…
- Resignations: L'HOYES Luc (manager) and L'HOYES…Appointments: L'HOYES Luc (director) and…
- Resignation: Martine Knuts (manager)Appointment: Chantal L'Hoyes (manager)
Key points
By topic
Board & ownership
- Board
- 2 members
- L'HOYES Chantal Josée ValentineDirector
- L'HOYES LucDirector
Timeline
- Events
- 4
- Since
- 2024
- 14-02-2024Permanent representative: Jurgen Elsen
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Cafés and barsNACE 56301
- Founded
- 08-04-2013
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 32
- Who signs
- Each director alone
- Annual meeting
- Last Friday of September at 18:00
- Purpose
- “Uitbaten van brasserie, taverne, café, restaurant, frituur broodjesbar, hotel en bed and…” (deed in Dutch)
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