LUMAR
ActiveSummary
LUMAR has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.43M and a net result of €-119k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 51% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability20▼-18
Solvency57▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.81 in 2023; short-term debt: 42.7% and cash: 0% of total assets), and 67.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
32.2%
Return on assets
-2.7%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-119k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
12 d late
2023
6 d early
2022
4 d early
2021
21 d late
2020
19 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-119k▼ 2,542%
2023 · €-5k
2018: €24k
2019: €-22k▼ -191% vs 2018
2020: €-2k▲ +90.4% vs 2019
2021: €24k▲ +1256% vs 2020
2022: €66k▲ +174% vs 2021highest in 7 years
2023: €-5k▼ -107% vs 2022
2024: €-119k▼ -2542% vs 2023lowest in 7 years
2018 → 2024
Working capital
€-540k▼ 46.3%
2023 · €-369k
2018: €-518k
2019: €-844k▼ -62.8% vs 2018
2020: €-863k▼ -2.3% vs 2019lowest in 7 years
2021: €-863k● +0.0% vs 2020
2022: €-820k▲ +5.0% vs 2021
2023: €-369k▲ +55.0% vs 2022highest in 7 years
2024: €-540k▼ -46.3% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.47M-€1.49M▲ 1.6%€1.56M▲ 4.4%€1.55M▼ 0.3%€1.43M▼ 7.7%
2020: €1.47M
2021: €1.49M▲ +1.6% vs 2020
2022: €1.56M▲ +4.4% vs 2021highest in 5 years
2023: €1.55M▼ -0.3% vs 2022
2024: €1.43M▼ -7.7% vs 2023lowest in 5 years
Operating result€29k-€50k▲ 72.6%€106k▲ 112%€38k▼ 64.1%€19k▼ 49.3%
2020: €29k
2021: €50k▲ +72.6% vs 2020
2022: €106k▲ +112% vs 2021highest in 5 years
2023: €38k▼ -64.1% vs 2022
2024: €19k▼ -49.3% vs 2023lowest in 5 years
Net result€-2k-€24k€66k▲ 174%€-5k€-119k▼ 2,542%
2020: €-2k
2021: €24k▲ +1256% vs 2020
2022: €66k▲ +174% vs 2021highest in 5 years
2023: €-5k▼ -107% vs 2022
2024: €-119k▼ -2542% vs 2023lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 49% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.45M
Fixed assets
€3.09M ▼ 2.0%
Current assets
€1.36M ▼ 10.7%
Equity and liabilities €4.45M
Equity
€1.43M ▼ 7.7%
Provisions
€50k ▼ 4.9%
Debt
€2.97M ▼ 3.4%
Debt's share of the balance-sheet total rises from 65.7% to 66.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€82k▼
2023 · €102k
Cash flow
€-56k▼
2023 · €60k
Current ratio
0.72▼
2023 · 0.81
Debt to equity
2.07▲
2023 · 1.98
ROE
-8.3%▼
2023 · -0.3%
ROA
-2.7%▼
2023 · -0.1%
Interest coverage
0.58▼
2023 · 2.28
Debt ≤ 1 year
€1.90M▲
2023 · €1.89M
Debt > 1 year
€1.07M▼
2023 · €1.17M
Staff costs
€17k▼
2023 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 56 lines
Balance sheet
Code20232024
Assets
Total assets20/58€4.68M€4.45M▼
Fixed assets21/28€3.15M€3.09M▼
Tangible fixed assets22/27€1.70M€1.64M▼
Land and buildings22€1.67M€1.61M▼
Plant, machinery and equipment23€12k€10k▼
Furniture and vehicles24€17k€13k▼
Financial fixed assets28€1.45M€1.45M=
Current assets29/58€1.53M€1.36M▼
Amounts receivable within one year40/41€1.48M€1.33M▼
Trade receivables40€1k-
Other amounts receivable41€1.47M€1.33M▼
Cash at bank and in hand54/58€11k€556▼
Deferred charges and accrued income490/1€38k€35k▼
Equity and liabilities
Total equity and liabilities10/49€4.68M€4.45M▼
Equity10/15€1.55M€1.43M▼
Contributions10/11€1.28M€1.28M=
Capital10€1.28M€1.28M=
Issued capital100€1.28M€1.28M=
Reserves13€115k€111k▼
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€95k€91k▼
Profit (loss) carried forward14€156k€41k▼
Provisions and deferred taxes16€52k€50k▼
Deferred taxes168€52k€50k▼
Amounts payable17/49€3.07M€2.97M▼
Amounts payable after more than one year17€1.17M€1.07M▼
Financial debts170/4€1.17M€1.07M▼
Amounts payable within one year42/48€1.89M€1.90M▲
Current portion of amounts payable after more than one year42€106k€108k▲
Financial debts43€1.75M€1.75M=
Credit institutions430/8€1.75M€1.75M=
Trade debts44€3k€16k▲
Suppliers440/4€3k€16k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€10k€10k▼
Remuneration and social security454/9€2k€653▼
Other amounts payable47/48€23k€15k▼
Accrued charges and deferred income492/3€4k-
Income statement
Code20232024
Remuneration, social security and pensions62€32k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€63k▼
Other operating charges640/8€11k€22k▲
Gross operating margin9900€145k€121k▼
Operating profit (loss)9901€38k€19k▼
Financial charges65/66B€45k€141k▲
Recurring financial charges65€45k€141k▲
Profit (loss) for the period before taxes9903€-7k€-122k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€140-
Profit (loss) for the period9904€-5k€-119k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€-46€-115k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€41k▼
Profit (loss) brought forward from the previous period14P€156k€156k=
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €43k | €62k | €32k | €17k | ▼ 47.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €64k | €64k | €64k | €64k | €63k | ▼ 2.1% |
| Other operating charges640/8 | - | €10k | €9k | €11k | €22k | ▲ 108% |
| Gross operating margin9900 | €120k | €167k | €242k | €145k | €121k | ▼ 16.4% |
| Operating profit (loss)9901 | €29k | €50k | €106k | €38k | €19k | ▼ 49.3% |
| Financial income75/76B | - | €221 | - | - | - | - |
| Recurring financial income75 | €177 | €221 | - | - | - | - |
| Financial charges65/66B | - | €29k | €28k | €45k | €141k | ▲ 214% |
| Recurring financial charges65 | €34k | €29k | €28k | €45k | €141k | ▲ 214% |
| Profit (loss) for the period before taxes9903 | €-5k | €21k | €78k | €-7k | €-122k | ▼ 1,664% |
| Transfer from deferred taxes780 | - | €3k | €3k | €3k | €3k | = |
| Income taxes67/77 | - | - | €15k | €140 | - | - |
| Profit (loss) for the period9904 | €-2k | €24k | €66k | €-5k | €-119k | ▼ 2,542% |
| Transfer from tax-exempt reserves789 | - | €4k | €4k | €4k | €4k | = |
| Profit (loss) for the period to be appropriated9905 | €2k | €28k | €70k | €-46 | €-115k | ▼ 251,886% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.38M | €3.30M | €3.24M | €4.68M | €4.45M | ▼ 4.8% |
| Fixed assets21/28 | €3.34M | €3.28M | €3.21M | €3.15M | €3.09M | ▼ 2.0% |
| Tangible fixed assets22/27 | €1.89M | €1.83M | €1.76M | €1.70M | €1.64M | ▼ 3.7% |
| Land and buildings22 | - | €1.78M | €1.73M | €1.67M | €1.61M | ▼ 3.4% |
| Plant, machinery and equipment23 | - | €20k | €16k | €12k | €10k | ▼ 20.1% |
| Furniture and vehicles24 | - | €26k | €22k | €17k | €13k | ▼ 25.6% |
| Financial fixed assets28 | €1.45M | €1.45M | €1.45M | €1.45M | €1.45M | = |
| Current assets29/58 | €35k | €24k | €22k | €1.53M | €1.36M | ▼ 10.7% |
| Amounts receivable within one year40/41 | €17k | €6k | €10k | €1.48M | €1.33M | ▼ 10.1% |
| Trade receivables40 | - | €6k | €5k | €1k | - | - |
| Other amounts receivable41 | - | €40 | €5k | €1.47M | €1.33M | ▼ 10.0% |
| Cash at bank and in hand54/58 | €18k | €17k | €11k | €11k | €556 | ▼ 95.0% |
| Deferred charges and accrued income490/1 | - | €214 | €1k | €38k | €35k | ▼ 7.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.38M | €3.30M | €3.24M | €4.68M | €4.45M | ▼ 4.8% |
| Equity10/15 | €1.47M | €1.49M | €1.56M | €1.55M | €1.43M | ▼ 7.7% |
| Contributions10/11 | €1.28M | €1.28M | €1.28M | €1.28M | €1.28M | = |
| Capital10 | - | €1.28M | €1.28M | €1.28M | €1.28M | = |
| Issued capital100 | - | €1.28M | €1.28M | €1.28M | €1.28M | = |
| Reserves13 | €123k | €121k | €120k | €115k | €111k | ▼ 3.9% |
| Non-distributable reserves130/1 | - | €16k | €20k | €20k | €20k | = |
| Legal reserve130 | - | €16k | €20k | €20k | €20k | = |
| Tax-exempt reserves132 | - | €104k | €100k | €95k | €91k | ▼ 4.7% |
| Profit (loss) carried forward14 | €63k | €90k | €156k | €156k | €41k | ▼ 73.6% |
| Provisions and deferred taxes16 | €60k | €57k | €55k | €52k | €50k | ▼ 4.9% |
| Deferred taxes168 | - | €57k | €55k | €52k | €50k | ▼ 4.9% |
| Amounts payable17/49 | €1.85M | €1.76M | €1.63M | €3.07M | €2.97M | ▼ 3.4% |
| Amounts payable after more than one year17 | €952k | €868k | €782k | €1.17M | €1.07M | ▼ 9.2% |
| Financial debts170/4 | - | €868k | €782k | €1.17M | €1.07M | ▼ 9.2% |
| Amounts payable within one year42/48 | €898k | €887k | €842k | €1.89M | €1.90M | ▲ 0.4% |
| Current portion of amounts payable after more than one year42 | - | €84k | €85k | €106k | €108k | ▲ 1.8% |
| Financial debts43 | - | €250k | €250k | €1.75M | €1.75M | = |
| Credit institutions430/8 | - | €250k | €250k | €1.75M | €1.75M | = |
| Trade debts44 | €8k | €9k | €5k | €3k | €16k | ▲ 407% |
| Suppliers440/4 | - | €9k | €5k | €3k | €16k | ▲ 407% |
| Advances received on contracts in progress46 | - | - | - | - | €3k | - |
| Taxes, remuneration and social security45 | - | €18k | €15k | €12k | €10k | ▼ 12.9% |
| Taxes450/3 | - | €15k | €10k | €10k | €10k | ▼ 5.9% |
| Remuneration and social security454/9 | - | €3k | €6k | €2k | €653 | ▼ 58.6% |
| Other amounts payable47/48 | - | €526k | €486k | €23k | €15k | ▼ 35.7% |
| Accrued charges and deferred income492/3 | - | €948 | €2k | €4k | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-2k | €24k | €66k | €-5k | €-119k | ▼ 2,542% |
| + Depreciation and write-downs630 | €64k | €64k | €64k | €64k | €63k | ▼ 2.1% |
| Operating cash flow (approximation) | €62k | €88k | €130k | €60k | €-56k | ▼ 194% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-455 | €-6k | €195 | €-11k | ▼ 5,495% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
08-09
State Gazette act
Resignations: Ophélie Sonneville (director) and Victorien Sonneville (director)Appointment: J.S. IMMO srl (director) · Permanent representative: Noa Sonneville5 facts ▸
State Gazette act
Resignations: Ophélie Sonneville (director) and Victorien Sonneville (director)
Appointment: J.S. IMMO srl (director) · Permanent representative: Noa Sonneville5 facts ▸
- Board meeting, 30-06-2026
- Director resignation, Ophélie Sonneville (director)
- Director resignation, Victorien Sonneville (director)
- Director appointment, J.S. IMMO srl (director)
- Permanent representative, Noa Sonneville (permanent representative)
19-06
State Gazette act
Capital & shares · Resignations & appointments · RestructuringMerger · Accounting effect · Share cancellation7 facts ▸
State Gazette act
Capital & shares · Resignations & appointments · Restructuring
Merger · Accounting effect · Share cancellation7 facts ▸
- General meeting, 27-05-2026
- Merger, absorption, none
- Accounting effect, 01-01-2026
- Share cancellation, 2000, fusion
- Name change, OSIRIS VENTURE
- Power of attorney, Stéphan SONNEVILLE
- Share pledge, actions de la société anonyme ATENOR (0403.209.303) données en nantissement auprès de la banque ING
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 12 days late
2024
31-12
Financial
Weakest financial yearnet €-119k
Net result drops to €-119k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €66k ▲174%
Operating result €106k, net result €66k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 21 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
Show earlier events
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
20-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 20 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 13 acts read
About the unread acts
Of the 13 Belgian State Gazette acts we know for this company, 2 have been read. The other 11 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
J.S. IMMO srl
CurrentDirector · since 30-06-2026 · Legal entity · perm. rep.: Noa Sonneville
08-09-2026
Ophélie Sonneville: Resigned as Director
08-09-2026
Victorien Sonneville: Resigned as Director
30-06-2026
J.S. IMMO srl: Appointed as Director
Not every act has been read: a resignation may be missing here
11 of this company's 13 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Lasne · 1 establishment unit since 1991
Ground area
7,434 m²
Building footprint
456 m²
Volume, LiDAR
2,591 m³
2 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 establishment unit
LE BASTION
since 19912.040.204.661
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0620/00E000 | Wallonia | 7,052 m² | 1 · 265 m² | 7.1 m · 2 fl. |
| 25076F0287/00D000 | Wallonia | 382 m² | 1 · 191 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other provisions of the articles (1)
- Other statement
Structure & network
Acquisitions and mergers
1 transactionTook over:OSIRIS VENTURE
Recognitions · licences · registrations
Legal Entity Identifier
549300F7OETCXCY33059
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 3,253 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded14-09-1988
Fiscal year end31-12
Legal name FR
OSIRIS VENTURE
Activities, NACEBEL 2025
68121Development of residential building projects
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.