LUMAHOLD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.04M and a net result of €36k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 5498 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
43 d early
2023
55 d early
2022
32 d early
2021
62 d early
2020
114 d early
2019
38 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.04M▲ 3.6%
2024 · €1.00M
2018: €717k
2019: €781k
2020: €795k
2021: €809k
2022: €823k
2023: €987k
2024: €1.00M
2018 → 2025
Net result
€36k▲ 122%
2024 · €16k
2018: €14k
2019: €64k
2020: €14k
2021: €14k
2022: €14k
2023: €164k
2024: €16k
2018 → 2025
Total assets
€1.16M▲ 1.5%
2024 · €1.15M
2018: €1.20M
2019: €1.16M
2020: €1.15M
2021: €1.15M
2022: €1.15M
2023: €1.16M
2024: €1.15M
2018 → 2025
Solvency
89.4%▲ 1.8pp
2024 · 87.6%
2018: 59.6%
2019: 67.2%
2020: 68.8%
2021: 70.4%
2022: 71.7%
2023: 85.3%
2024: 87.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€809k-€823k▲ 1.7%€987k▲ 19.9%€1.00M▲ 1.7%€1.04M▲ 3.6%
Operating result€25k-€26k▲ 0.5%€24k▼ 6.4%€26k▲ 8.5%€26k▲ 0.2%
Net result€14k-€14k▲ 0.4%€164k▲ 1,069%€16k▼ 90.0%€36k▲ 122%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€1.14M=
Current assets
€22k▲ 381%
Equity and liabilities €1.16M
Equity
€1.04M▲ 3.6%
Debt
€123k▼ 13.2%
The debt ratio falls from 12.4% to 10.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
89.4%▲
2024 · 87.6%
ROE
3.5%▲
2024 · 1.6%
ROA
3.1%▲
2024 · 1.4%
Debt
€123k▼
2024 · €142k
Debt ≤ 1 year
€122k▼
2024 · €140k
Income taxes
€5k▼
2024 · €5k
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€1.15M€1.16M▲
Fixed assets21/28€1.14M€1.14M=
Financial fixed assets28€1.14M€1.14M=
Current assets29/58€5k€22k▲
Cash at bank and in hand54/58€5k€22k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.16M▲
Equity10/15€1.00M€1.04M▲
Contributions10/11€380k€380k=
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€585k€621k▲
Amounts payable17/49€142k€123k▼
Amounts payable within one year42/48€140k€122k▼
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€138k€118k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€27k€27k▲
Operating profit (loss)9901€26k€26k▲
Financial income75/76B€0€20k▲
Recurring financial income75€0€20k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€22k€42k▲
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€16k€36k▲
Profit (loss) for the period to be appropriated9905€16k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€585k€621k▲
Profit (loss) brought forward from the previous period14P€569k€585k▲
The notes to these accounts (3 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.00M ▲1.7%
7 profitable years in a row build equity to €1.00M.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €164k ▲1069%
Net result €164k, the highest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Bree · 1 establishment unit since 2000
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.
Toekomststraat 43960 BreeGround area
7,721 m²
Building footprint
2,670 m²
Volume, LiDAR
19,433 m³
Parcel 72402B0001/00K003, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Toekomststraat 4, 3960 Bree
since 20002.100.727.812
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72402B0001/00K003 | Flanders | 7,721 m² | 1 · 2,670 m² | 9.6 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 12,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2000
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.