LUMEN INVEST
ActiveSummary
LUMEN INVEST has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13.00M and a net result of €639k. Equity is growing by ~3.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €850k at 30 days acceptable
Liquidity ample (current ratio 41.36 against 39.75 in 2024; short-term debt: 1.8% and cash: 0.7% of total assets), and 4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
96%
Return on assets
4.7%
Age of the figures
9 mo
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 d early
2024
136 d early
2023
123 d early
2022
94 d early
2021
96 d early
2020
38 d early
2019
40 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€13.00M▲ 4.8%
2024 · €12.41M
2018: €10.27M
2019: €10.54M
2020: €10.73M
2021: €11.14M
2022: €11.61M
2023: €12.15M
2024: €12.41M
2018 → 2025
Total assets
€13.54M▲ 6.0%
2024 · €12.78M
2018: €10.37M
2019: €10.64M
2020: €10.96M
2021: €11.37M
2022: €11.88M
2023: €12.51M
2024: €12.78M
2018 → 2025
Net result
€639k▲ 72.8%
2024 · €370k
2018: €312k
2019: €301k
2020: €229k
2021: €446k
2022: €510k
2023: €657k
2024: €370k
2018 → 2025
Working capital
€9.83M▲ 0.1%
2024 · €9.82M
2018: €8.08M
2019: €8.29M
2020: €8.42M
2021: €8.75M
2022: €9.10M
2023: €9.77M
2024: €9.82M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11.14M-€11.61M▲ 4.1%€12.15M▲ 4.7%€12.41M▲ 2.1%€13.00M▲ 4.8%
Operating result€-17k-€-5k▲ 73.4%€384k€-35k€-128k▼ 269%
Net result€446k-€510k▲ 14.2%€657k▲ 28.8%€370k▼ 43.7%€639k▲ 72.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €128k in 2025 against €35k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.54M
Fixed assets
€3.47M ▲ 28.3%
Current assets
€10.08M =
Equity and liabilities €13.54M
Equity
€13.00M ▲ 4.8%
Provisions
€106k ▼ 0.6%
Debt
€433k ▲ 66.1%
Debt's share of the balance-sheet total rises from 2.0% to 3.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-35k▼
2024 · €4k
Cash flow
€732k▲
2024 · €408k
Current ratio
41.36▲
2024 · 39.75
Debt to equity
0.03▲
2024 · 0.02
ROE
4.9%▲
2024 · 3.0%
ROA
4.7%▲
2024 · 2.9%
Interest coverage
-0.34▼
2024 · 0.04
Debt ≤ 1 year
€244k▼
2024 · €253k
Debt > 1 year
€180k
Income taxes
€288k▲
2024 · €187k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€12.78M€13.54M▲
Fixed assets21/28€2.70M€3.47M▲
Tangible fixed assets22/27€2.70M€3.46M▲
Plant, machinery and equipment23€2.46M€2.64M▲
Furniture and vehicles24€25k€14k▼
Other tangible fixed assets26€213k€805k▲
Financial fixed assets28€744€744=
Current assets29/58€10.07M€10.08M=
Amounts receivable after more than one year29€70k€59k▼
Other amounts receivable291€70k€59k▼
Amounts receivable within one year40/41€15k€11k▼
Other amounts receivable41€15k€11k▼
Current investments50/53€9.95M€9.91M▼
Cash at bank and in hand54/58€35k€96k▲
Equity and liabilities
Total equity and liabilities10/49€12.78M€13.54M▲
Equity10/15€12.41M€13.00M▲
Contributions10/11€776k€776k=
Capital10€776k€776k=
Issued capital100€776k€776k=
Reserves13€11.63M€12.23M▲
Non-distributable reserves130/1€78k€78k=
Legal reserve130€78k€78k=
Tax-exempt reserves132€320k€318k▼
Distributable reserves133€11.24M€11.83M▲
Provisions and deferred taxes16€107k€106k▼
Deferred taxes168€107k€106k▼
Amounts payable17/49€261k€433k▲
Amounts payable after more than one year17-€180k
Financial debts170/4-€180k
Amounts payable within one year42/48€253k€244k▼
Current portion of amounts payable after more than one year42€2k€20k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45-€20k
Taxes450/3-€20k
Other amounts payable47/48€248k€200k▼
Accrued charges and deferred income492/3€7k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€93k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€7k€-33k▼
Operating profit (loss)9901€-35k€-128k▼
Financial income75/76B€701k€1.16M▲
Recurring financial income75€701k€1.16M▲
Financial charges65/66B€109k€105k▼
Recurring financial charges65€109k€105k▼
Profit (loss) for the period before taxes9903€556k€925k▲
Transfer from deferred taxes780-€632
Income taxes67/77€187k€288k▲
Profit (loss) for the period9904€370k€639k▲
Transfer from tax-exempt reserves789-€2k
Profit (loss) for the period to be appropriated9905€370k€640k▲
Appropriation of the result
Profit (loss) to be appropriated9906€370k€640k▲
Transfer to equity691/2€261k€598k▲
To other reserves6921€261k€598k▲
Profit to be distributed694/7€109k€43k▼
Return on contributions (dividend)694€109k€43k▼
The notes to these accounts (9 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €657k ▲28.8%
Operating result €384k, net result €657k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €229k ▼23.9%
Net result drops to €229k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-05
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
4 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, Anzegem · 1 establishment unit since 1991
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.
Beukenhofstraat 798570 AnzegemGround area
1.9 ha
Building footprint
4,009 m²
Volume, LiDAR
18,180 m³
2 parcels, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUMEN INVEST NV
since 19912.053.440.906
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37011A0020/00S000 | Flanders | 1.6 ha | 1 · 3,677 m² | 6.7 m · 2 fl. |
| 34038B0385/00H000 | Flanders | 3,637 m² | 1 · 332 m² | 5.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
9676008CNVTBFCLCN945
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-05-1991
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.