LUMIVAN
ActiveLUMIVAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €702k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 33% of 2792 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 03-07-2025, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d late
2023
2 d early
2022
on the day
2021
9 d early
2020
15 d early
2019
70 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€702k▼ 0.2%
2023 · €704k
2018: €1.05M
2019: €1.05M
2020: €637k
2021: €665k
2022: €689k
2023: €704k
2018 → 2024
Net result
€-1k
2023 · €14k
2018: €-6k
2019: €-1k
2020: €12k
2021: €28k
2022: €24k
2023: €14k
2018 → 2024
Total assets
€1.84M▼ 0.6%
2023 · €1.85M
2018: €1.97M
2019: €2.00M
2020: €2.00M
2021: €1.88M
2022: €1.87M
2023: €1.85M
2018 → 2024
Solvency
38.1%▲ 0.1pp
2023 · 38.0%
2018: 53.5%
2019: 52.6%
2020: 31.8%
2021: 35.4%
2022: 36.9%
2023: 38.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€192k
Equity€637k-€665k▲ 4.4%€689k▲ 3.7%€704k▲ 2.1%€702k▼ 0.2%
Operating result€51k-€64k▲ 25.2%€63k▼ 2.1%€62k▼ 1.5%€57k▼ 8.8%
Net result€12k-€28k▲ 136%€24k▼ 12.7%€14k▼ 41.6%€-1k
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.84M
Fixed assets
€1.70M=
Current assets
€144k▼ 6.8%
Equity and liabilities €1.84M
Equity
€702k▼ 0.2%
Debt
€1.14M▼ 0.8%
The debt ratio falls from 62.0% to 61.9%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
38.1%▲
2023 · 38.0%
ROE
-0.2%▼
2023 · 2.0%
ROA
-0.1%▼
2023 · 0.8%
Debt
€1.14M▼
2023 · €1.15M
Debt ≤ 1 year
€173k▼
2023 · €221k
Debt > 1 year
€912k▲
2023 · €890k
Income taxes
€873▼
2023 · €7k
Staff costs
€57k▲
2023 · €55k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.85M€1.84M▼
Fixed assets21/28€1.70M€1.70M=
Financial fixed assets28€1.70M€1.70M=
Affiliated companies280/1-€1.70M
Participating interests280-€1.70M
Other financial fixed assets284/8-€13
Amounts receivable and cash guarantees285/8-€13
Current assets29/58€154k€144k▼
Stocks and contracts in progress3-€0
Amounts receivable within one year40/41€84k€80k▼
Trade receivables40€84k€71k▼
Other amounts receivable41€0€9k▲
Cash at bank and in hand54/58€54k€52k▼
Deferred charges and accrued income490/1€17k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.85M€1.84M▼
Equity10/15€704k€702k▼
Contributions10/11€449k€449k=
Reserves13€254k€253k▼
Non-distributable reserves130/1€45k€0▼
Reserves not available under the articles1311€45k€0▼
Distributable reserves133€209k€253k▲
Amounts payable17/49€1.15M€1.14M▼
Amounts payable after more than one year17€890k€912k▲
Financial debts170/4€890k€912k▲
Credit institutions173-€0
Other loans174-€912k
Amounts payable within one year42/48€221k€173k▼
Current portion of amounts payable after more than one year42€50k€4k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€17k€11k▼
Taxes450/3€10k€4k▼
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€152k€153k▲
Accrued charges and deferred income492/3€38k€55k▲
Income statement
Code20232024
Operating income70/76A-€195k
Turnover70-€192k
Other operating income74-€3k
Operating charges60/66A-€138k
Services and other goods61-€80k
Remuneration, social security and pensions62€55k€57k▲
Other operating charges640/8€0€1k▲
Gross operating margin9900€117k-
Operating profit (loss)9901€62k€57k▼
Financial income75/76B€7€0▼
Recurring financial income75€7€0▼
Income from current assets751-€0
Financial charges65/66B€41k€57k▲
Recurring financial charges65€41k€57k▲
Debt charges650-€57k
Other financial charges652/9-€280
Profit (loss) for the period before taxes9903€21k€-571▼
Income taxes67/77€7k€873▼
Taxes670/3-€873
Profit (loss) for the period9904€14k€-1k▼
Profit (loss) for the period to be appropriated9905€14k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-1k▼
Transfer from equity791/2-€1k
From reserves792-€1k
Transfer to equity691/2€14k€0▼
To other reserves6921€14k€0▼
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (43 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 3 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-11
Financial
Highest result since 2018net €28k ▲136%
Operating result €64k, net result €28k, both a record.
30-11
Financial
Liquidity times 9current ratio 6.18
Current ratio from 0.68 to 6.18; short-term debt falls from €451k to €29k.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
21-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
18-05
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Izegem · 1 establishment unit since 2007
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.
Gentseheerweg 568870 IzegemGround area
257 m²
Building footprint
142 m²
Volume, LiDAR
869 m³
Parcel 36493B0294/00F002, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lumivan BVBA
since 20072.159.228.017
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36493B0294/00F002 | Flanders | 257 m² | 1 · 142 m² | 11.9 m · 2 fl. |
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.
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JULIE BORMANS MANAGEMENT
BE 0501.984.797
Heers · Eq €702k
HEX MANAGEMENT
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INL
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2006
Fiscal year end30-11
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.