Lumatra
ActiveSummary
The computed 12-month bankruptcy probability of Lumatra is 2.2% (moderate). The 2025 annual accounts show equity of €240k and a net result of €36k. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 1865 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-7
Solvency55▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.33 in 2024; short-term debt: 47.9% and cash: 18.5% of total assets), and 70.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← 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
29.8%
Return on assets
4.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
53 d late
2024
61 d late
2023
2 d early
2022
20 d early
2021
5 d early
2020
18 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€240k▲ 21.4%
2024 · €198k
2019: €17klowest in 7 years
2020: €52k▲ +202% vs 2019
2021: €77k▲ +47.5% vs 2020
2022: €85k▲ +10.2% vs 2021
2023: €146k▲ +70.7% vs 2022
2024: €198k▲ +36.0% vs 2023
2025: €240k▲ +21.4% vs 2024highest in 7 years
2019 → 2025
Total assets
€806k▲ 50.7%
2024 · €535k
2019: €207klowest in 7 years
2020: €238k▲ +15.0% vs 2019
2021: €326k▲ +37.3% vs 2020
2022: €382k▲ +17.0% vs 2021
2023: €537k▲ +40.7% vs 2022
2024: €535k▼ -0.5% vs 2023
2025: €806k▲ +50.7% vs 2024highest in 7 years
2019 → 2025
Net result
€36k▼ 31.0%
2024 · €53k
2019: €851lowest in 7 years
2020: €36k▲ +4139% vs 2019
2021: €26k▼ -28.2% vs 2020
2022: €9k▼ -65.7% vs 2021
2023: €61k▲ +590% vs 2022highest in 7 years
2024: €53k▼ -14.4% vs 2023
2025: €36k▼ -31.0% vs 2024
2019 → 2025
Working capital
€136k▲ 50.6%
2024 · €90k
2019: €5klowest in 7 years
2020: €30k▲ +466% vs 2019
2021: €34k▲ +14.2% vs 2020
2022: €35k▲ +2.2% vs 2021
2023: €44k▲ +26.5% vs 2022
2024: €90k▲ +105% vs 2023
2025: €136k▲ +50.6% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€85k▲ 10.2%€146k▲ 70.7%€198k▲ 36.0%€240k▲ 21.4%
2021: €77klowest in 5 years
2022: €85k▲ +10.2% vs 2021
2023: €146k▲ +70.7% vs 2022
2024: €198k▲ +36.0% vs 2023
2025: €240k▲ +21.4% vs 2024highest in 5 years
Operating result€33k-€14k▼ 57.4%€88k▲ 530%€73k▼ 17.4%€52k▼ 28.1%
2021: €33k
2022: €14k▼ -57.4% vs 2021lowest in 5 years
2023: €88k▲ +530% vs 2022highest in 5 years
2024: €73k▼ -17.4% vs 2023
2025: €52k▼ -28.1% vs 2024
Net result€26k-€9k▼ 65.7%€61k▲ 590%€53k▼ 14.4%€36k▼ 31.0%
2021: €26k
2022: €9k▼ -65.7% vs 2021lowest in 5 years
2023: €61k▲ +590% vs 2022highest in 5 years
2024: €53k▼ -14.4% vs 2023
2025: €36k▼ -31.0% vs 2024
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 has fallen two years in a row; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €806k
Fixed assets
€284k ▲ 66.2%
Current assets
€522k ▲ 43.4%
Equity and liabilities €806k
Equity
€240k ▲ 21.4%
Debt
€566k ▲ 67.9%
Debt's share of the balance-sheet total rises from 63.0% to 70.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▼
2024 · €160k
Cash flow
€126k▼
2024 · €139k
Current ratio
1.35▲
2024 · 1.33
Debt to equity
2.35▲
2024 · 1.70
ROE
15.1%▼
2024 · 26.5%
ROA
4.5%▼
2024 · 9.8%
Interest coverage
10.87▼
2024 · 19.25
Debt ≤ 1 year
€386k▲
2024 · €274k
Debt > 1 year
€179k▲
2024 · €63k
Income taxes
€6k▼
2024 · €14k
Staff costs
€315k▲
2024 · €196k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€535k€806k▲
Fixed assets21/28€171k€284k▲
Tangible fixed assets22/27€171k€284k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€162k€97k▼
Leasing and similar rights25-€182k
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€135€135=
Current assets29/58€364k€522k▲
Amounts receivable within one year40/41€203k€359k▲
Trade receivables40€147k€242k▲
Other amounts receivable41€57k€117k▲
Cash at bank and in hand54/58€153k€149k▼
Deferred charges and accrued income490/1€8k€13k▲
Equity and liabilities
Total equity and liabilities10/49€535k€806k▲
Equity10/15€198k€240k▲
Contributions10/11€12k€19k▲
Reserves13€186k€222k▲
Distributable reserves133€186k€222k▲
Profit (loss) carried forward14€0-
Investment grants15€0-
Amounts payable17/49€337k€566k▲
Amounts payable after more than one year17€63k€179k▲
Financial debts170/4€63k€179k▲
Amounts payable within one year42/48€274k€386k▲
Current portion of amounts payable after more than one year42€76k€80k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€143k€233k▲
Suppliers440/4€143k€233k▲
Taxes, remuneration and social security45€55k€65k▲
Taxes450/3€33k€32k▼
Remuneration and social security454/9€23k€33k▲
Accrued charges and deferred income492/3€640€140▼
Income statement
Code20242025
Remuneration, social security and pensions62€196k€315k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€90k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€831
Gross operating margin9900€359k€460k▲
Operating profit (loss)9901€73k€52k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€67k€42k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€53k€36k▼
Profit (loss) for the period to be appropriated9905€53k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€186k€36k▼
Profit (loss) brought forward from the previous period14P€133k€0▼
Transfer to equity691/2€186k€36k▼
To other reserves6921€186k€36k▼
Social balance
Average headcount (FTE)90873.04.0▲
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €6k | €71k | €196k | €315k | ▲ 60.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €44k | €51k | €66k | €87k | €90k | ▲ 3.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €2k | €0 | - | - |
| Other operating charges640/8 | €2k | €1k | €3k | €3k | €2k | ▼ 27.7% |
| Non-recurring operating charges66A | - | - | - | - | €831 | - |
| Gross operating margin9900 | €78k | €72k | €230k | €359k | €460k | ▲ 28.2% |
| Operating profit (loss)9901 | €33k | €14k | €88k | €73k | €52k | ▼ 28.1% |
| Financial income75/76B | €1k | €1k | €2k | €2k | €3k | ▲ 39.5% |
| Recurring financial income75 | €1k | €1k | €2k | €2k | €3k | ▲ 39.5% |
| Financial charges65/66B | €5k | €4k | €6k | €8k | €13k | ▲ 57.8% |
| Recurring financial charges65 | €5k | €4k | €6k | €8k | €13k | ▲ 57.8% |
| Profit (loss) for the period before taxes9903 | €29k | €11k | €84k | €67k | €42k | ▼ 36.6% |
| Income taxes67/77 | €3k | €2k | €22k | €14k | €6k | ▼ 57.3% |
| Profit (loss) for the period9904 | €26k | €9k | €61k | €53k | €36k | ▼ 31.0% |
| Profit (loss) for the period to be appropriated9905 | €26k | €9k | €61k | €53k | €36k | ▼ 31.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €326k | €382k | €537k | €535k | €806k | ▲ 50.7% |
| Fixed assets21/28 | €152k | €112k | €177k | €171k | €284k | ▲ 66.2% |
| Tangible fixed assets22/27 | €152k | €112k | €177k | €171k | €284k | ▲ 66.3% |
| Plant, machinery and equipment23 | - | - | €3k | €3k | €2k | ▼ 42.6% |
| Furniture and vehicles24 | €152k | €102k | €166k | €162k | €97k | ▼ 40.3% |
| Leasing and similar rights25 | - | - | - | - | €182k | - |
| Other tangible fixed assets26 | - | €10k | €8k | €5k | €3k | ▼ 38.2% |
| Financial fixed assets28 | €135 | €135 | €135 | €135 | €135 | = |
| Current assets29/58 | €174k | €270k | €361k | €364k | €522k | ▲ 43.4% |
| Stocks and contracts in progress3 | €2k | €2k | €0 | - | - | - |
| Stocks30/36 | €2k | €2k | €0 | - | - | - |
| Amounts receivable within one year40/41 | €142k | €173k | €274k | €203k | €359k | ▲ 76.7% |
| Trade receivables40 | €142k | €168k | €242k | €147k | €242k | ▲ 65.0% |
| Other amounts receivable41 | - | €5k | €33k | €57k | €117k | ▲ 107% |
| Cash at bank and in hand54/58 | €25k | €91k | €78k | €153k | €149k | ▼ 2.1% |
| Deferred charges and accrued income490/1 | €5k | €3k | €8k | €8k | €13k | ▲ 65.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €326k | €382k | €537k | €535k | €806k | ▲ 50.7% |
| Equity10/15 | €77k | €85k | €146k | €198k | €240k | ▲ 21.4% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €19k | ▲ 50.0% |
| Reserves13 | - | - | - | €186k | €222k | ▲ 19.5% |
| Distributable reserves133 | - | - | - | €186k | €222k | ▲ 19.5% |
| Profit (loss) carried forward14 | €63k | €72k | €133k | €0 | - | - |
| Investment grants15 | €2k | €1k | €112 | €0 | - | - |
| Amounts payable17/49 | €249k | €297k | €392k | €337k | €566k | ▲ 67.9% |
| Amounts payable after more than one year17 | €109k | €61k | €75k | €63k | €179k | ▲ 187% |
| Financial debts170/4 | €109k | €61k | €75k | €63k | €179k | ▲ 187% |
| Amounts payable within one year42/48 | €140k | €235k | €316k | €274k | €386k | ▲ 41.0% |
| Current portion of amounts payable after more than one year42 | €50k | €48k | €60k | €76k | €80k | ▲ 5.3% |
| Financial debts43 | €569 | - | - | - | €8k | - |
| Credit institutions430/8 | €569 | - | - | - | €8k | - |
| Trade debts44 | €65k | €171k | €237k | €143k | €233k | ▲ 62.9% |
| Suppliers440/4 | €65k | €171k | €237k | €143k | €233k | ▲ 62.9% |
| Taxes, remuneration and social security45 | €16k | €17k | €20k | €55k | €65k | ▲ 18.0% |
| Taxes450/3 | €15k | €13k | €9k | €33k | €32k | ▼ 0.9% |
| Remuneration and social security454/9 | €2k | €4k | €11k | €23k | €33k | ▲ 45.3% |
| Other amounts payable47/48 | €8k | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €401 | €338 | €273 | €640 | €140 | ▼ 78.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26k | €9k | €61k | €53k | €36k | ▼ 31.0% |
| + Depreciation and write-downs630 | €44k | €51k | €66k | €87k | €90k | ▲ 3.5% |
| Operating cash flow (approximation) | €70k | €60k | €127k | €139k | €126k | ▼ 9.5% |
| Investment in fixed assets (approximation) | - | €-11k | €-131k | €-81k | €-203k | ▼ 151% |
| Change in cash | - | €67k | €-13k | €74k | €-3k | ▼ 104% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 53 days late
2025
31-12
Financial
Equity above €200kEq €240k ▲21.4%
7 profitable years in a row build equity to €240k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Equity above €150kEq €198k ▲36%
6 profitable years in a row build equity to €198k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €61k ▲590%
Operating result €88k, net result €61k, both a record.
31-12
Financial
Equity above €100kEq €146k ▲70.7%
5 profitable years in a row build equity to €146k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Sint-Katelijne-Waver · 1 establishment unit since 2019
Ground area
1,088 m²
Building footprint
183 m²
Volume, LiDAR
869 m³
Parcel 12035A0333/00N000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Lumatra
since 20192.285.468.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035A0333/00N000 | Flanders | 1,088 m² | 1 · 183 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 · 296 EUR awarded · 296 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 296 EUR | 296 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,590 companies in sector 49410 we hold annual accounts for 8,199. 6,066 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
52100Warehousing and storage
53100Postal and courier activities
53200Other postal and courier activities
77394Rental and leasing activities
Scores and ratios are computed by Checked and are not a credit decision.