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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Age4 yrs
Real estate1 parcel · 507 m²
Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for LUMI according to publications in the Belgian State Gazette. The 2022 annual accounts show negative equity (€-81k) and a net result of €-101k.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events17-04-2026
Bankruptcy
Opening
Trust signals
1 signalOpen bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
0 events
No administrative flags
Financials
Turnover€15k
EBIT margin-625.2%
Net result€-101k
Working capital€-146k
Directors1
Annual accounts & ratios
Source: NBB · 2022Annual accounts filed on 29-10-2025 with the NBB · fiscal year 2024 · micro
| Fiscal year | 2022 |
|---|---|
| Revenue | €15k |
| EBITDA | €-50k |
| Net profit | €-101k |
| Cash flow | €-57k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €275k |
| Equity | €-81k |
| Debt | €356k |
| of which ≤ 1y | €166k |
| of which > 1y | €190k |
| Working capital | €-146k |
| Employees (FTE) | - |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 0.12 |
| Quick ratio | 0.12 |
| Working capital ratio | -53.0% |
| Solvency | -29.4% |
| Debt / equity | -4.41 |
| Long-term debt ratio | -2.35 |
| Interest coverage | -7.17 |
| Gross margin | -330.5% |
| Net margin | -672.0% |
| ROA | -36.6% |
| ROE | 124.8% |
| EBITDA margin | -335.7% |
| Days sales outstanding | 409d |
| Days payable outstanding | 597d |
| Inventory turnover | 221.90 |
| Days inventory (DSI) | 2d |
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €275k |
| Fixed assets | 21/28 | €255k |
| Tangible fixed assets | 22/27 | €255k |
| Current assets | 29/58 | €20k |
| Stocks & contracts in progress | 3 | €291 |
| Amounts receivable within one year | 40/41 | €17k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €275k |
| Equity | 10/15 | €-81k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €-101k |
| Amounts payable | 17/49 | €356k |
| Amounts payable after one year | 17 | €190k |
| Amounts payable within one year | 42/48 | €166k |
| Trade debts payable within one year | 44 | €106k |
| Income statement | ||
| Turnover | 70 | €15k |
| Gross operating margin | 9900 | €-50k |
| Operating result | 9901 | €-94k |
| Financial charges | 65 | €7k |
| Result before taxes | 9903 | €-101k |
| Net result for the period | 9904 | €-101k |
| Result to be appropriated | 9905 | €-101k |
Ratios computed by Checked.
Health barometer
FY 2022 · computed0
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
indexingNo directors on record yet
Directors and mandates usually appear here within 24 hours of publication in the Belgian State Gazette.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | JUUL CREYTENS LEOPOLDLAAN 15, 9200 DENDER-
MONDE |
13-04-2026 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Activiteiten van eetgelegenheden met volledige bediening(56111) |
| Legal form | Private limited company(610) |
| Incorporation | 30-08-2021 |
| Status | Active |
| Postal code | 9300 |
| First BS signal | 17-04-2026 |
| Latest BS signal | 17-04-2026 |
Structure & network
Company structure: linked entities
1 linked entityMandates
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationHET KADASTER
since 20212.321.144.078
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area507 m²
Buildings1
Building footprint430 m²
Volume (LiDAR)4,224 m³
Tallest building16.2 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A0964/00L000 | Flanders | 506 m² | 1 · 430 m² | 16.2 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette17-04-2026
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 1 year ago
2025
30-06-2025 Buyl Michaël resigns as director
- Buyl Michaël, Bestuurder
16-05-2025 Verbeeck Davy resigns as director
- Verbeeck Davy, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes23
/ 100
Fragile profile, watch health in particular.
Health
0
Profitability
33
Solvency
33
Growth
50
Stability
0
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | LUMI |
Registered office
Keizersplein 14
9300 Aalst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.