LUMI IMMO CONSEILS

Active

Private limited companyfounded 1987active for 38 yearsRue de Tournai(CAL) 21, 7604 Péruwelz, BelgiumKBO/BCE: BE 0432.864.577

Summary

LUMI IMMO CONSEILS has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,846 and a net result of €13,322. Equity is shrinking by about 27% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. Its solvency ranks better than 50% of 22,576 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

LUMI IMMO CONSEILSActiveChecked score 89/100

Risk analysis Report Compare

Activity

Retail sale of lighting equipment

NACE 47552

1 site

Size

€17,666total assets 2025

Equity: €5,846
Profit: €13,322

Turnover not published (micro format)

Financial health

89 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

2025 accounts filed 31 days late6 deeds in the Belgian Official Gazette

Why 89raises riskSector: Retail trade (NACE 47)Last filed accounts filed 31 days late; 1 of the last 3 latelowers riskFounded in 1987Liquidity: current ratio 1.41, cash €6,883Show the evidence

Checked score

Score 2025

89 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 76% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 58+58

equity 33.1% of total assets

Liquidity 63+63

short-term debt 66.9% · cash 39.0%

Profitability 96+96

return on assets 75.4%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,246 companies, NACE 47, micro)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.2%▲ +0.2 percentage points vs 06-2025 08-2025: 1.8%▲ +0.6 percentage points vs 07-2025 09-2025: 1.9%▲ +0.1 percentage points vs 08-2025 10-2025: 1.9%● unchanged vs 09-2025 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 1.9%● unchanged vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.9%● unchanged vs 02-2026 04-2026: 1.9%● unchanged vs 03-2026 05-2026: 1.9%● unchanged vs 04-2026 06-2026: 1.8%▼ -0.1 percentage points vs 05-2026 07-2026: 2.1%▲ +0.3 percentage points vs 06-2026 08-2026: 2.7%▲ +0.6 percentage points vs 07-2026highest value 09-2026: 0.3%▼ -2.4 percentage points vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026lowest value

Credit of up to €500 on 30-day terms is acceptable

Liquidity tight (current ratio 1.41, compared with 0.55 in 2024, below the usual 1.5; short-term debt: 66.9% and cash: 39% of total assets), and 66.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 49% on solvency, 70% on liquidity, 89% on profitability and 96% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Sector: Retail trade (NACE 47)

KBO

Founded in 1987

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 1.41, cash €6,883

NBB · annual accounts

Last filed accounts filed 31 days late; 1 of the last 3 late

NBB · filings

2025 accounts filed 31 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

31 days late

2024

27 days late

2023

26 days late

2022

17 days late

2021

24 days late

2020

13 days late

2019

28 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 24 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-08-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Back to profitnet €13,322
31-12-2025 Liquidity more than doubledcurrent ratio 1.41

Key points

Active since 1987founded 28-12-1987 38 years View
Total assets 20256 financial years filed €17,666 View

By topic

Financials

Financial year: 2025
Total assets: €17,666
Profit: €13,322
Solvency: 33.1%

Total assets▲ 41.2%

Net result

20182025

Go to Financials

Timeline

Events: 45
Since: 1989
Next accounts: by 31-07-2027

27-08-2025Annual accounts filed
26-08-2024Annual accounts filed
17-08-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Retail sale of lighting equipmentNACE 47552
Founded: 28-12-1987
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about LUMI IMMO CONSEILS

What is the company number of LUMI IMMO CONSEILS?: 0432.864.577. In Belgium the VAT number is the company number with BE in front: BE 0432.864.577.
Where is LUMI IMMO CONSEILS based?: The registered office is at Rue de Tournai(CAL) 21, 7604 Péruwelz.Company details
What does LUMI IMMO CONSEILS do?: According to the KBO register, the main activity is retail sale of lighting equipment (NACE 47552).
What is the legal form of LUMI IMMO CONSEILS?: Private limited company (BV).
When was LUMI IMMO CONSEILS founded?: On 28-12-1987.
Is LUMI IMMO CONSEILS still active?: Yes, LUMI IMMO CONSEILS is an active enterprise in the KBO register.
What is the turnover of LUMI IMMO CONSEILS?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is LUMI IMMO CONSEILS profitable?: In financial year 2025, LUMI IMMO CONSEILS made a profit of €13,322.
Where can I find the annual accounts of LUMI IMMO CONSEILS?: LUMI IMMO CONSEILS filed 38 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of LUMI IMMO CONSEILS due?: By 31-07-2027, for financial year 2026.Timeline