Summary
Conclusion
the dossier summarised in one paragraphLUMAT is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €2k and a net result of €-936. Its solvency ranks better than 69% of 108 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Trust signals
3 signalsAdministrative Flags
0 eventsBankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis company is younger than 12 months. There is no public track record yet to base a reliable estimate on, so we'd rather not show a number.
Financials
Annual accounts & ratios
Source: NBB · 2025| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 51.8% | 40.6% | |
| Net result | €-936 | €22k | |
| Equity | €2k | €122k | |
| Gross operating margin | €-900 | €147k | |
| Total assets | €4k | €429k |
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €-936 |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €4k |
| Equity | €2k |
| Debt | €2k |
| of which ≤ 1y | €2k |
| of which > 1y | - |
| Working capital | €2k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 2.07 |
| Quick ratio | 2.07 |
| Working capital ratio | 51.8% |
| Solvency | 51.8% |
| Debt / equity | 0.93 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -23.5% |
| ROE | -45.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €4k |
| Current assets | 29/58 | €4k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €4k |
| Equity | 10/15 | €2k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-936 |
| Amounts payable | 17/49 | €2k |
| Amounts payable within one year | 42/48 | €2k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €-900 |
| Operating result | 9901 | €-936 |
| Result before taxes | 9903 | €-936 |
| Net result for the period | 9904 | €-936 |
| Result to be appropriated | 9905 | €-936 |
Health barometer
FY 2025 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0225/00Z005 | Brussels | 3,610 m² | 1 · 3,528 m² | 22.8 m · 5 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesMixed profile: strong on solvency, weaker on profitability.
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | LUMAT |