Lume Solutions
ActiveLume Solutions has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €78k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+1
Solvency51▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.36 in 2024; short-term debt: 40.3% and cash: 9% of total assets), and 73.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
26.1%
Return on assets
12.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 16941 sector peers (2025).
NBB · sector comparisonPosition among 16941 sector peers
Solvency
better than 25%
← weakest
strongest →
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 29-04-2026, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
9 d early
2023
1 d early
2022
4 d early
2021
4 d early
2020
1 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€165k▼ 23.7%
2024 · €217k
2018: €98k
2019: €108k
2020: €145k
2021: €157k
2022: €167k
2023: €178k
2024: €217k
2018 → 2025
Total assets
€634k▼ 2.8%
2024 · €652k
2018: €436k
2019: €449k
2020: €585k
2021: €584k
2022: €643k
2023: €676k
2024: €652k
2018 → 2025
Net result
€78k▲ 5.3%
2024 · €74k
2018: €28k
2019: €36k
2020: €45k
2021: €42k
2022: €40k
2023: €46k
2024: €74k
2018 → 2025
Working capital
€-177k▼ 56.7%
2024 · €-113k
2018: €-23k
2019: €-32k
2020: €-64k
2021: €-56k
2022: €-105k
2023: €-133k
2024: €-113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€157k-€167k▲ 6.5%€178k▲ 6.3%€217k▲ 21.9%€165k▼ 23.7%
Operating result€62k-€61k▼ 2.7%€69k▲ 14.6%€108k▲ 55.9%€111k▲ 2.8%
Net result€42k-€40k▼ 3.9%€46k▲ 14.1%€74k▲ 61.9%€78k▲ 5.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €634k
Fixed assets
€555k▼ 5.8%
Current assets
€79k▲ 25.2%
Equity and liabilities €634k
Equity
€165k▼ 23.7%
Debt
€469k▲ 7.6%
The debt ratio rises from 66.8% to 73.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€149k▲
2024 · €147k
Cash flow
€116k▲
2024 · €113k
Solvency
26.1%▼
2024 · 33.2%
Current ratio
0.31▼
2024 · 0.36
Quick ratio
0.31▼
2024 · 0.36
Debt / equity
2.83▲
2024 · 2.01
ROE
47.2%▲
2024 · 34.2%
ROA
12.3%▲
2024 · 11.4%
Interest coverage
12.76▲
2024 · 10.21
Debt
€469k▲
2024 · €436k
Debt ≤ 1 year
€256k▲
2024 · €176k
Debt > 1 year
€208k▼
2024 · €254k
Income taxes
€21k▲
2024 · €20k
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€652k€634k▼
Fixed assets21/28€589k€555k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€589k€555k▼
Land and buildings22€558k€535k▼
Plant, machinery and equipment23-€423
Furniture and vehicles24€5k€6k▲
Leasing and similar rights25€26k€14k▼
Current assets29/58€63k€79k▲
Amounts receivable within one year40/41€21k€21k▼
Trade receivables40€21k€21k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€41k€57k▲
Deferred charges and accrued income490/1€352€1k▲
Equity and liabilities
Total equity and liabilities10/49€652k€634k▼
Equity10/15€217k€165k▼
Contributions10/11€3k€3k=
Reserves13€214k€162k▼
Tax-exempt reserves132€23k€23k=
Distributable reserves133€190k€139k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€436k€469k▲
Amounts payable after more than one year17€254k€208k▼
Financial debts170/4€254k€208k▼
Amounts payable within one year42/48€176k€256k▲
Current portion of amounts payable after more than one year42€44k€46k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€20k€28k▲
Taxes450/3€20k€28k▲
Other amounts payable47/48€110k€177k▲
Accrued charges and deferred income492/3€6k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€38k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€152k€154k▲
Operating profit (loss)9901€108k€111k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€94k€100k▲
Income taxes67/77€20k€21k▲
Profit (loss) for the period9904€74k€78k▲
Profit (loss) for the period to be appropriated9905€74k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€78k▲
Transfer from equity791/2-€100k
Transfer to equity691/2€39k€49k▲
To other reserves6921€39k€49k▲
Profit to be distributed694/7€35k€129k▲
Return on contributions (dividend)694€35k€129k▲
The notes to these accounts (15 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €78k ▲5.3%
Operating result €111k, net result €78k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €217k ▲21.9%
7 profitable years in a row build equity to €217k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €157k ▲8.5%
4 profitable years in a row build equity to €157k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Equity above €100kEq €108k ▲10%
2 profitable years in a row build equity to €108k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lokeren · 1 establishment unit since 2015
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.
Louis Herbertstraat 169160 LokerenGround area
653 m²
Building footprint
171 m²
Parcel 46382B0596/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
Lume Solutions
since 20152.243.671.366
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46382B0596/00G002 | Flanders | 653 m² | 1 · 171 m² | - |
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.
Similar companies · same sector, comparable size
YUNA
BE 0770.292.044
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72 Consulting
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Consarto
BE 0667.748.394
Lokeren · Eq €166k
LEVIEN DEHERTOGH
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P-Mark
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 15,232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.