LUMAT
ActiveSummary
LUMAT is less than twelve months old; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €2,064 and a net result of -€936. Its solvency ranks better than 62% of 2,413 sector peers (NACE 43, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Other construction installation
NACE 43240
1 site
Size
€3,987total assets 2025
- Equity
- €2,064
- Loss
- -€936
Signalsraises riskYoung companyneutralLatest accounts filed on timeShow the evidence
Checked score
Score 2025
51
/ 100
Fair
Without a bankruptcy probability: score from the figures alone
Financial strength
Average
Solvency
77
equity 51.8% of total assets
Liquidity
76
short-term debt 48.2% · cash 85.0%
Profitability
0
return on assets -23.5%
Bankruptcy probability, 12 months
This 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.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Young company
Founded in 2025, less than a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 13-05-2026, 79 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
79 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · full…
- IncorporationAppointment: FERNANDEZ FRESNO Carlos (director)…
Financials · financial year 2025, full format
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€936
Working capital
€2,064
Balance-sheet composition
Equity and liabilities €3,987
Equity
€2,064
Debt
€1,923
Debt finances 48.2% of the balance-sheet total.
Key figures and ratios
Debt ≤ 1 year
€1,923
Ratios withheld: a balance sheet total of €3,987 is too small for a meaningful ratio.
Annual accounts
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €36 |
| Gross operating margin9900 | -€900 |
| Operating profit (loss)9901 | -€936 |
| Profit (loss) for the period before taxes9903 | -€936 |
| Profit (loss) for the period9904 | -€936 |
| Profit (loss) for the period to be appropriated9905 | -€936 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €3,987 | |
| Current assets29/58 | €3,987 | |
| Amounts receivable after more than one year29 | €600 | |
| Other amounts receivable291 | €600 | |
| Cash at bank and in hand54/58 | €3,387 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €3,987 | |
| Equity10/15 | €2,064 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | -€936 | |
| Amounts payable17/49 | €1,923 | |
| Amounts payable within one year42/48 | €1,923 | |
| Trade debts44 | €1,923 | |
| Suppliers440/4 | €1,923 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€936 |
| Operating cash flow (approximation) | -€936 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 13-05-2026 | 2026-00110512 |
Similar companies · same sector, comparable size
TTI Toitures Construct
BE 0803.020.537
Charleroi · equity €2,035
NJ-INNOVATION
BE 1001.721.968
Enghien · equity €2,110
STEW
BE 0732.789.765
Heist-op-den-Berg · equity €2,000
ELEKTRICITEITSWERKEN STEVEN JANSSENS
BE 0829.003.471
Sint-Katelijne-Waver · equity €2,189
L & C Renov
BE 1023.902.405
Grez-Doiceau · equity €2,196
Of the 4,003 active companies whose main activity is other construction installation (NACE 43240), figures are known for 1,613. 291 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
1 director, no change since 2025
FERNANDEZ FRESNO Carlos
CurrentDirector (not named in the articles) · since 04-12-2025
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
1 person since 2025, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| FERNANDEZ FRESNO Carlos |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 04-12-2025 ↗
- FERNANDEZ FRESNO Carlos 100 shares (100%) · €3,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 04-12-2025 Incorporation · €3,000 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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History
Acts, filings and financial milestones
2026
13-05
NBB filing
Annual accounts filed
financial year 2025 · full format
2025
04-12
Gazette deed
IncorporationAppointment: FERNANDEZ FRESNO Carlos (director) · Founder · Declaration10 facts ▸
Gazette deed
Incorporation
Appointment: FERNANDEZ FRESNO Carlos (director) · Founder · Declaration10 facts ▸
- Incorporation, 02-12-2025
- Founder, FERNANDEZ FRESNO Carlos
- Other provision, 25-11-2025
- Declaration, “capitaux propres de départ manifestement insuffisants, responsabilité des fondateurs” (deed in French)
- Founding capital, €3,000
- Bank account, “compte spécial, société en formation” (deed in French)
- Capital
- Registered office clause, “Rue des Francs,79 à 1040 Etterbeek, dépôt extrait au greffe” (deed in French)
- Director appointment, FERNANDEZ FRESNO Carlos (director (not named in the articles))
- Pre-incorporation commitments, “takeover, engagements,obligations et activités au nom société en formation” (deed in French)
Gazette deedNBB filing
1 of 1 deed read
Register details
Identification
Legal formPrivate limited company
Founded02-12-2025
Financial year end31-12
Activities, NACEBEL 2025
43240Other construction installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:1031069121
Registered
30-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 17 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1031.069.121
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Etterbeek · 1 establishment unit since 2025
Ground area
3,610 m²
Building footprint
3,528 m²
Building volume
55,433 m³
Parcel 21362B0225/00Z005, Brussels · tallest building 22.8 m. Linked by address, not a title deed.
58
companies at this address
See who is registered here
1 establishment unit
LUMAT
since 2025unit no. 2.381.765.714
1 parcel
Brussels
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21362B0225/00Z005 | Brussels | 3,610 m² | 1 · 3,528 m² | 22.8 m · 5 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- LUMAT
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, sièges administratifs,d'exploitation,agences et succursales en Belgique ou à l'étranger” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Fixé par assemblée,à défaut sans limitation de durée, personnes physiques ou morales,actionnaires ou non” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, inscription dans le registre” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs au prorata, chacun des actionnaires” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Tuesday of May at 18:00
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Administrateurs en exercice sauf AG désigne liquidateurs, si pas libérées égale proportion appels fonds ou remboursements partiels” (deed in French)