LUMASVIN
ActiveLUMASVIN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 29.77 against 73.41 in 2024; short-term debt: 3% and cash: 68% of total assets), and 3% of the assets are financed with debt.
Credit advice 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
97%
Return on assets
29%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €69k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
40 d early
2023
43 d early
2022
33 d early
2021
22 d early
2020
44 d early
2019
39 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€122k▲ 15.5%
2024 · €105k
2023: €75k
2024: €105k
2023 → 2025
EBIT margin
23.3%▼ 10.7pp
2024 · 34.0%
2023: 61.1%
2024: 34.0%
2023 → 2025
Net result
€21k▼ 23.9%
2024 · €27k
2019: €-26k
2020: €-1k
2021: €-951
2022: €-2k
2023: €34k
2024: €27k
2019 → 2025
Working capital
€62k▲ 39.6%
2024 · €44k
2019: €-7k
2020: €-8k
2021: €-9k
2022: €-12k
2023: €19k
2024: €44k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€75k€105k▲ 40.9%€122k▲ 15.5%
Equity€-9k-€-12k▼ 23.9%€23k€50k▲ 118%€69k▲ 37.9%
Operating result€-935-€-2k▼ 129%€46k€36k▼ 21.5%€28k▼ 20.9%
Net result€-951-€-2k▼ 135%€34k€27k▼ 21.4%€21k▼ 23.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€7k▲ 24.8%
Current assets
€64k▲ 42.5%
Equity and liabilities €71k
Equity
€69k▲ 37.9%
Debt
€2k▲ 251%
The debt ratio rises from 1.2% to 3.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €37k
Cash flow
€22k▼
2024 · €28k
Solvency
97.0%▼
2024 · 98.8%
Current ratio
29.77▼
2024 · 73.41
Quick ratio
29.77▼
2024 · 73.41
Debt / equity
0.03▲
2024 · 0.01
ROE
29.9%▼
2024 · 54.2%
ROA
29.0%▼
2024 · 53.6%
Interest coverage
740.05▼
2024 · 931.47
Debt
€2k▲
2024 · €609
Debt ≤ 1 year
€2k▲
2024 · €609
Income taxes
€8k▼
2024 · €9k
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€51k€71k▲
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Land and buildings22€4k€3k▼
Furniture and vehicles24€2k€4k▲
Current assets29/58€45k€64k▲
Amounts receivable within one year40/41€15k€14k▼
Trade receivables40€13k€10k▼
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€29k€48k▲
Deferred charges and accrued income490/1€728€1k▲
Equity and liabilities
Total equity and liabilities10/49€51k€71k▲
Equity10/15€50k€69k▲
Contributions10/11€19k€19k=
Reserves13€24k€42k▲
Distributable reserves133€24k€42k▲
Profit (loss) carried forward14€7k€9k▲
Amounts payable17/49€609€2k▲
Amounts payable within one year42/48€609€2k▲
Trade debts44€543€66▼
Suppliers440/4€543€66▼
Taxes, remuneration and social security45€66€410▲
Taxes450/3€30€83▲
Remuneration and social security454/9€36€326▲
Other amounts payable47/48-€2k
Income statement
Code20242025
Turnover70€105k€122k▲
Goods, raw materials, services and sundry goods60/61€69k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€850€2k▲
Other operating charges640/8€62€62=
Gross operating margin9900€37k€30k▼
Operating profit (loss)9901€36k€28k▼
Financial income75/76B€700€178▼
Recurring financial income75€700€178▼
Financial charges65/66B€39€41▲
Recurring financial charges65€39€41▲
Profit (loss) for the period before taxes9903€37k€29k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€27k€21k▼
Profit (loss) for the period to be appropriated9905€27k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€28k▲
Profit (loss) brought forward from the previous period14P-€7k
Transfer to equity691/2€20k€17k▼
To other reserves6921€20k€17k▼
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 17current ratio 73.41
Current ratio from 4.24 to 73.41; short-term debt falls from €6k to €609.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €34k
Net result €34k after 4 loss-making years.
31-12
Financial
Liquidity times 88current ratio 4.24
Current ratio from 0.05 to 4.24; short-term debt falls from €12k to €6k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lummen · 1 establishment unit since 2018
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.
Gestelstraat 443560 LummenGround area
987 m²
Building footprint
145 m²
Volume, LiDAR
707 m³
Parcel 71037C0240/00N000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boekhoudkantoor Inge
since 20182.280.958.562
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C0240/00N000 | Flanders | 987 m² | 1 · 145 m² | 9.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 376 EUR awarded · 376 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 198 EUR | 198 EUR |
| 2024 | 1 | 134 EUR | 134 EUR |
| 2023 | 1 | 44 EUR | 44 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2018
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.