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LUMO

Active
Private limited companyfounded 20242 yrs activeEsperantolaan 4, 3001 Leuven, BelgiumKBO/BCE: BE 1005.492.793
Summary

The computed 12-month bankruptcy probability of LUMO is 2.0% (moderate). The 2024 annual accounts show equity of €638,174 and a net result of -€261,208. Its solvency ranks better than 38% of 9046 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability51
Solvency59
Growth-
Track record67
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.2; short-term debt: 66.2% and cash: 0% of total assets), and 66.2% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
33.8%
Return on assets
-13.8%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2024
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 31 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 1 February 2024, LUMO was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€638,174
Total assets
€1.9m
Net result
-€261,208
Working capital
-€995,454

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €1.9m
Fixed assets €1.6m
Current assets €256,215
Equity and liabilities €1.9m
Equity €638,174
Debt €1.3m
Debt finances 66.2% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€129,876
Cash flow
€113,453
Current ratio
0.20
Debt to equity
1.96
ROE
-40.9%
ROA
-13.8%
Interest coverage
7.91
Debt ≤ 1 year
€1.3m

Peer companies

Historical observation

Of the 133 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.

  • Small
  • 2 to 5 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
3.0% went bankrupt
3.0% stopped otherwise
94% still going

For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 133 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 33 lines
Balance sheet Code2024
Assets
Total assets20/58€1.9m
Fixed assets21/28€1.6m
Intangible fixed assets21€1.6m
Current assets29/58€256,215
Amounts receivable within one year40/41€255,580
Trade receivables40€5,720
Other amounts receivable41€249,860
Cash at bank and in hand54/58€635
Equity and liabilities
Total equity and liabilities10/49€1.9m
Equity10/15€638,174
Contributions10/11€23,182
Reserves13€26,260
Non-distributable reserves130/1€6,364
Reserves not available under the articles1311€6,364
Tax-exempt reserves132€6,799
Distributable reserves133€13,097
Profit (loss) carried forward14€588,732
Amounts payable17/49€1.3m
Amounts payable within one year42/48€1.3m
Trade debts44€4,055
Suppliers440/4€4,055
Other amounts payable47/48€1.2m
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€374,661
Other operating charges640/8€395
Gross operating margin9900€130,271
Operating profit (loss)9901-€244,785
Financial charges65/66B€16,423
Recurring financial charges65€16,423
Profit (loss) for the period before taxes9903-€261,208
Profit (loss) for the period9904-€261,208
Profit (loss) for the period to be appropriated9905-€261,208
Appropriation of the result
Profit (loss) to be appropriated9906€588,732
Profit (loss) brought forward from the previous period14P€849,940

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€374,661
Other operating charges640/8€395
Gross operating margin9900€130,271
Operating profit (loss)9901-€244,785
Financial charges65/66B€16,423
Recurring financial charges65€16,423
Profit (loss) for the period before taxes9903-€261,208
Profit (loss) for the period9904-€261,208
Profit (loss) for the period to be appropriated9905-€261,208
Line2024
Assets
Total assets20/58€1.9m
Fixed assets21/28€1.6m
Intangible fixed assets21€1.6m
Current assets29/58€256,215
Amounts receivable within one year40/41€255,580
Trade receivables40€5,720
Other amounts receivable41€249,860
Cash at bank and in hand54/58€635
Equity and liabilities
Total equity and liabilities10/49€1.9m
Equity10/15€638,174
Contributions10/11€23,182
Reserves13€26,260
Non-distributable reserves130/1€6,364
Reserves not available under the articles1311€6,364
Tax-exempt reserves132€6,799
Distributable reserves133€13,097
Profit (loss) carried forward14€588,732
Amounts payable17/49€1.3m
Amounts payable within one year42/48€1.3m
Trade debts44€4,055
Suppliers440/4€4,055
Other amounts payable47/48€1.2m
Line2024
Profit (loss) for the period9904-€261,208
+ Depreciation and write-downs630€374,661
Operating cash flow (approximation)€113,453

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
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, Leuven · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
6,754 m²
Building footprint
913 m²
Volume, LiDAR
6,648 m³
Parcel 24514C0027/00M000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
21 companies at this address See who is registered here
1 establishment unit
LUMO
Esperantolaan 4, 3001 LeuvenWholesale trade
since 20242.383.668.102
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24514C0027/00M000 Flanders 6,753 m² 1 · 913 m² 9.7 m · 2 fl.
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.

Structure & network

Part of the group Sereni Holding 12 companies Group, risk and exposure

Owners and holdings

1 owner

Chain of control

  1. Sereni Holding 99.09%
  2. Sereni Group 87.87%
  3. Beyond Infinity 100%
  4. LUMO

Highest known parent: Sereni Holding. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 2,119 companies in sector 46500 we hold annual accounts for 1,403. 964 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
Founded01-02-2024
Fiscal year end31-12
Activities, NACEBEL 2025
46500Wholesale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID 0208:1005492793
Registered 11-08-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.