Lumardi

Active

Private limited companyfounded 20242 yrs activeSteenweg 103, 3665 As, BelgiumKBO/BCE: BE 1013.535.479

The computed 12-month bankruptcy probability of Lumardi is 1.9% (moderate). The 2025 annual accounts show equity of €36k and a net result of €35k. Its solvency ranks better than 23% of 10252 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

50 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability84

Solvency38

Growth-

Track record67

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity tight (current ratio 1.07; short-term debt: 87.1% and cash: 14.2% of total assets), and 87.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

12.9%

Return on assets

12.5%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 10252 sector peers (2025).

NBB · sector comparison

Position among 10252 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

29 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€36k

Total assets

€276k

Net result

€35k

Working capital

€18k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €276k

93.6%

Fixed assets €18k

Current assets €258k

Equity and liabilities €276k

12.9%

87.1%

Equity €36k

Debt €240k

Debt finances 87.1% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€60k

Cash flow

€39k

Solvency

12.9%

Current ratio

1.07

Quick ratio

0.44

Debt / equity

6.77

ROE

97.2%

ROA

12.5%

Interest coverage

6.73

Debt

€240k

Debt ≤ 1 year

€240k

Income taxes

€12k

Staff costs

€653k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€276k

Fixed assets21/28€18k

Tangible fixed assets22/27€18k

Plant, machinery and equipment23€2k

Furniture and vehicles24€16k

Current assets29/58€258k

Stocks and contracts in progress3€152k

Stocks30/36€152k

Amounts receivable within one year40/41€55k

Trade receivables40€38k

Other amounts receivable41€17k

Cash at bank and in hand54/58€39k

Deferred charges and accrued income490/1€12k

Equity and liabilities

Total equity and liabilities10/49€276k

Equity10/15€36k

Contributions10/11€1k

Reserves13€35k

Distributable reserves133€35k

Amounts payable17/49€240k

Amounts payable within one year42/48€240k

Trade debts44€160k

Suppliers440/4€160k

Taxes, remuneration and social security45€67k

Taxes450/3€12k

Remuneration and social security454/9€54k

Other amounts payable47/48€14k

Income statement Code2025

Remuneration, social security and pensions62€653k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k

Other operating charges640/8€3k

Gross operating margin9900€715k

Operating profit (loss)9901€55k

Financial income75/76B€787

Recurring financial income75€787

Financial charges65/66B€9k

Recurring financial charges65€9k

Profit (loss) for the period before taxes9903€47k

Income taxes67/77€12k

Profit (loss) for the period9904€35k

Profit (loss) for the period to be appropriated9905€35k

Appropriation of the result

Profit (loss) to be appropriated9906€35k

Transfer to equity691/2€35k

To other reserves6921€35k

Social balance

Average headcount (FTE)908714.4

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

NBB filing

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, As · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Steenweg 1033665 As

Ground area

1,818 m²

Building footprint

235 m²

Volume, LiDAR

923 m³

Parcel 71002C0267/00F012, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Lumardi

Steenweg 103, 3665 AsFood and beverage service activities

since 20242.363.904.945

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71002C0267/00F012	Flanders	1,818 m²	1 · 235 m²	7.5 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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 13,847 EUR awarded · 13,847 EUR paid

Year	Entries	awarded	paid
2025	1	13,847 EUR	13,847 EUR

Schemes

Individueel Maatwerk

1 entry · 13,847 EUR · 13,847 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Food safety, FASFC

1 site

As2.363.904.945

2 permissions

Toelating · Detailhandel · since 08-10-2024

Toelating · Eetgelegenheid · since 08-10-2024

Similar companies · same sector, comparable size

Wortegem-Petegem · Eq €35k

Sint-Truiden · Eq €36k

AB PETROL

BE 0727.693.109

Ronse · Eq €35k

Of 1,267 companies in sector 47300 we hold annual accounts for 947. 650 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-09-2024

Fiscal year end31-12

Activities, NACEBEL

47300Retail sale of automotive fuel

47241Retail sale of bread and pastry (bakery outlets)

47260Retail trade

47279Other retail sale of food

47299Retail trade

47620Retail trade

47621Retail sale of newspapers and periodicals

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:as@brunoservicestation.be

Enterprise