Lumina
ActiveSummary
Lumina has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €57k. Its solvency ranks better than 63% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency90▲+29
Growth78
Track record82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 2.21 against 1.56 in 2024; short-term debt: 34.7% and cash: 45.1% of total assets), and 34.7% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
65.3%
Return on assets
47.1%
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 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
← 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, micro schema
Equity
€78k▲ 260%
2024 · €22k
2024: €22k
2025: €78k▲ +260% vs 2024
2024 → 2025
Total assets
€120k▲ 98.8%
2024 · €60k
2024: €60k
2025: €120k▲ +98.8% vs 2024
2024 → 2025
Net result
€57k▲ 201%
2024 · €19k
2024: €19k
2025: €57k▲ +201% vs 2024
2024 → 2025
Working capital
€51k▲ 138%
2024 · €21k
2024: €21k
2025: €51k▲ +138% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€22k-€78k▲ 260%
2024: €22k
2025: €78k▲ +260% vs 2024
Operating result€25k-€72k▲ 192%
2024: €25k
2025: €72k▲ +192% vs 2024
Net result€19k-€57k▲ 201%
2024: €19k
2025: €57k▲ +201% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 192% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€28k ▲ 2,782%
Current assets
€92k ▲ 55.2%
Equity and liabilities €120k
Equity
€78k ▲ 260%
Debt
€42k ▲ 8.0%
Debt's share of the balance-sheet total falls from 63.9% to 34.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€74k▲
2024 · €25k
Cash flow
€59k▲
2024 · €19k
Current ratio
2.21▲
2024 · 1.56
Debt to equity
0.53▼
2024 · 1.77
ROE
72.2%▼
2024 · 86.2%
ROA
47.1%▲
2024 · 31.1%
Interest coverage
241.80▲
2024 · 80.94
Debt ≤ 1 year
€42k▲
2024 · €38k
Income taxes
€15k▲
2024 · €6k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€60k€120k▲
Fixed assets21/28€968€28k▲
Tangible fixed assets22/27€968€28k▲
Furniture and vehicles24€968€525▼
Other tangible fixed assets26-€27k
Current assets29/58€59k€92k▲
Amounts receivable within one year40/41€13k€37k▲
Trade receivables40€13k€34k▲
Other amounts receivable41€5€3k▲
Cash at bank and in hand54/58€45k€54k▲
Deferred charges and accrued income490/1€1k€946▼
Equity and liabilities
Total equity and liabilities10/49€60k€120k▲
Equity10/15€22k€78k▲
Contributions10/11€3k€3k=
Reserves13€19k€75k▲
Distributable reserves133€19k€75k▲
Amounts payable17/49€39k€42k▲
Amounts payable within one year42/48€38k€42k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€24k€25k▲
Taxes450/3€24k€25k▲
Other amounts payable47/48€13k€14k▲
Accrued charges and deferred income492/3€418€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€362€3k▲
Other operating charges640/8€126€305▲
Non-recurring operating charges66A€9k€0▼
Gross operating margin9900€34k€74k▲
Operating profit (loss)9901€25k€72k▲
Financial income75/76B€136€229▲
Recurring financial income75€136€229▲
Financial charges65/66B€307€307▼
Recurring financial charges65€307€307▼
Profit (loss) for the period before taxes9903€24k€71k▲
Income taxes67/77€6k€15k▲
Profit (loss) for the period9904€19k€57k▲
Profit (loss) for the period to be appropriated9905€19k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€57k▲
Transfer to equity691/2€19k€57k▲
To other reserves6921€19k€57k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €362 | €3k | ▲ 625% |
| Other operating charges640/8 | €126 | €305 | ▲ 141% |
| Non-recurring operating charges66A | €9k | €0 | ▼ 100% |
| Gross operating margin9900 | €34k | €74k | ▲ 117% |
| Operating profit (loss)9901 | €25k | €72k | ▲ 192% |
| Financial income75/76B | €136 | €229 | ▲ 69.0% |
| Recurring financial income75 | €136 | €229 | ▲ 69.0% |
| Financial charges65/66B | €307 | €307 | ▼ 0.2% |
| Recurring financial charges65 | €307 | €307 | ▼ 0.2% |
| Profit (loss) for the period before taxes9903 | €24k | €71k | ▲ 193% |
| Income taxes67/77 | €6k | €15k | ▲ 167% |
| Profit (loss) for the period9904 | €19k | €57k | ▲ 201% |
| Profit (loss) for the period to be appropriated9905 | €19k | €57k | ▲ 201% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €60k | €120k | ▲ 98.8% |
| Fixed assets21/28 | €968 | €28k | ▲ 2,782% |
| Tangible fixed assets22/27 | €968 | €28k | ▲ 2,782% |
| Furniture and vehicles24 | €968 | €525 | ▼ 45.8% |
| Other tangible fixed assets26 | - | €27k | - |
| Current assets29/58 | €59k | €92k | ▲ 55.2% |
| Amounts receivable within one year40/41 | €13k | €37k | ▲ 187% |
| Trade receivables40 | €13k | €34k | ▲ 161% |
| Other amounts receivable41 | €5 | €3k | ▲ 61,890% |
| Cash at bank and in hand54/58 | €45k | €54k | ▲ 19.3% |
| Deferred charges and accrued income490/1 | €1k | €946 | ▼ 14.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €60k | €120k | ▲ 98.8% |
| Equity10/15 | €22k | €78k | ▲ 260% |
| Contributions10/11 | €3k | €3k | = |
| Reserves13 | €19k | €75k | ▲ 301% |
| Distributable reserves133 | €19k | €75k | ▲ 301% |
| Amounts payable17/49 | €39k | €42k | ▲ 8.0% |
| Amounts payable within one year42/48 | €38k | €42k | ▲ 9.2% |
| Trade debts44 | €2k | €3k | ▲ 76.2% |
| Suppliers440/4 | €2k | €3k | ▲ 76.2% |
| Taxes, remuneration and social security45 | €24k | €25k | ▲ 6.1% |
| Taxes450/3 | €24k | €25k | ▲ 6.1% |
| Other amounts payable47/48 | €13k | €14k | ▲ 5.8% |
| Accrued charges and deferred income492/3 | €418 | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €57k | ▲ 201% |
| + Depreciation and write-downs630 | €362 | €3k | ▲ 625% |
| Operating cash flow (approximation) | €19k | €59k | ▲ 209% |
| Investment in fixed assets (approximation) | - | €-30k | - |
| Change in cash | - | €9k | - |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
NBB filing
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, Geraardsbergen · 1 establishment unit since 2024
Ground area
649 m²
Building footprint
98 m²
Parcel 41041A0002/00S008, Flanders. Linked by address, not a title deed.
1 establishment unit
Lumina
since 20242.355.724.380
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41041A0002/00S008 | Flanders | 649 m² | 1 · 98 m² | - |
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.
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,511. 2,598 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
Founded18-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
70200Business and other management consultancy
73300Public relations and communication consultancy
85599Other education
96999Other personal services
Scores and ratios are computed by Checked and are not a credit decision.