LUMATOP
ActiveLUMATOP has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €934k and a net result of €220k. Equity is growing by ~72.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 2256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 5.33 against 4.85 in 2024), and 18.5% of the assets are financed with debt.
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
raises risk · 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 →
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
81.5%
Return on assets
19.2%
Age of the figures
8 mo
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
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
48 d early
2023
47 d early
2022
7 d early
2021
71 d early
2020
8 d early
2019
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€934k▲ 10.9%
2024 · €843k
2018: €-11k
2019: €-56k
2020: €-27k
2021: €144k
2022: €339k
2023: €551k
2024: €843k
2018 → 2025
Total assets
€1.15M▲ 8.1%
2024 · €1.06M
2018: €172k
2019: €48k
2020: €152k
2021: €621k
2022: €681k
2023: €834k
2024: €1.06M
2018 → 2025
Net result
€220k▼ 22.8%
2024 · €286k
2018: €6k
2019: €-46k
2020: €29k
2021: €170k
2022: €197k
2023: €212k
2024: €286k
2018 → 2025
Working capital
€916k▲ 9.7%
2024 · €834k
2018: €30k
2019: €-56k
2020: €-32k
2021: €135k
2022: €336k
2023: €549k
2024: €834k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€339k▲ 136%€551k▲ 62.5%€843k▲ 53.0%€934k▲ 10.9%
Operating result€246k-€313k▲ 27.3%€326k▲ 4.2%€429k▲ 31.7%€336k▼ 21.8%
Net result€170k-€197k▲ 15.9%€212k▲ 7.3%€286k▲ 34.8%€220k▼ 22.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€19k▲ 127%
Current assets
€1.13M▲ 7.2%
Equity and liabilities €1.15M
Equity
€934k▲ 10.9%
Debt
€212k▼ 2.5%
The debt ratio falls from 20.5% to 18.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€339k▼
2024 · €430k
Cash flow
€223k▼
2024 · €286k
Solvency
81.5%▲
2024 · 79.5%
Current ratio
5.33▲
2024 · 4.85
Quick ratio
5.15▲
2024 · 4.75
Debt / equity
0.23▼
2024 · 0.26
ROE
23.6%▼
2024 · 33.9%
ROA
19.2%▼
2024 · 27.0%
Interest coverage
32.37▼
2024 · 41.31
Debt
€212k▼
2024 · €217k
Debt ≤ 1 year
€212k▼
2024 · €217k
Income taxes
€106k▼
2024 · €136k
Staff costs
€27k▲
2024 · €26k
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€1.06M€1.15M▲
Fixed assets21/28€8k€19k▲
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€477€13k▲
Furniture and vehicles24€477€13k▲
Financial fixed assets28€1k€0▼
Current assets29/58€1.05M€1.13M▲
Stocks and contracts in progress3€21k€37k▲
Stocks30/36€21k€37k▲
Amounts receivable within one year40/41€292k€357k▲
Trade receivables40€267k€357k▲
Other amounts receivable41€25k€0▼
Cash at bank and in hand54/58€733k€732k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.15M▲
Equity10/15€843k€934k▲
Contributions10/11€19k€19k=
Reserves13€822k€913k▲
Distributable reserves133€822k€913k▲
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€217k€212k▼
Amounts payable within one year42/48€217k€212k▼
Trade debts44€64k€57k▼
Suppliers440/4€64k€57k▼
Taxes, remuneration and social security45€45k€56k▲
Taxes450/3€42k€53k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€108k€99k▼
Accrued charges and deferred income492/3-€98
Income statement
Code20242025
Non-recurring operating income76A€740€0▼
Remuneration, social security and pensions62€26k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€877€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€24k
Other operating charges640/8€7k€11k▲
Gross operating margin9900€463k€401k▼
Operating profit (loss)9901€429k€336k▼
Financial income75/76B€3k€824▼
Recurring financial income75€3k€824▼
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€421k€326k▼
Income taxes67/77€136k€106k▼
Profit (loss) for the period9904€286k€220k▼
Profit (loss) for the period to be appropriated9905€286k€220k▼
Appropriation of the result
Profit (loss) to be appropriated9906€287k€223k▼
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2-€129k
Transfer to equity691/2€285k€220k▼
To other reserves6921€285k€220k▼
Profit to be distributed694/7-€129k
Return on contributions (dividend)694-€129k
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (14 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €286k ▲34.8%
Operating result €429k, net result €286k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €551k ▲62.5%
4 profitable years in a row build equity to €551k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €339k ▲136%
3 profitable years in a row build equity to €339k.
21-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €144k
2 profitable years in a row build equity to €144k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-46k ▼828%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lokeren · 1 establishment unit since 2012
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.
Vrijheidsplein 279160 LokerenGround area
424 m²
Building footprint
173 m²
Volume, LiDAR
1,623 m³
Parcel 46384E1718/00E000, Flanders · tallest building 15.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LUMATOP
since 20122.213.935.621
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384E1718/00E000 | Flanders | 424 m² | 1 · 173 m² | 15.1 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteLokeren2.213.935.621
Similar companies · same sector, comparable size
PITS
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FRANK FISSETTE
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LOLIPOPS
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WIJNHANDEL CHRISTIAENS
BE 0460.320.230
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LAURENT RICHARD Père et Fils
BE 0427.476.426
Ukkel · Eq €874k
Of 2,328 companies in sector 47251 we hold annual accounts for 421. 168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2012
Fiscal year end31-12
Activities, NACEBEL
47251Retail sale of wines and spirits
82990Other business support services
53100Postal and courier activities
56101Full-service restaurants
56111Full-service restaurants
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.