Lumo Consult
ActiveLumo Consult has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €44k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 38% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency71▼-15
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 2.21 in 2024; short-term debt: 54.2% and cash: 81.2% of total assets), but 54.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
45.8%
Return on assets
37.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
38 d early
2023
29 d early
2022
14 d early
2021
6 d early
2020
33 d early
2019
69 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 10.2%
2024 · €61k
2018: €110k
2019: €134k
2020: €124k
2021: €114k
2022: €112k
2023: €99k
2024: €61k
2018 → 2025
Total assets
€119k▲ 19.4%
2024 · €100k
2018: €125k
2019: €150k
2020: €175k
2021: €196k
2022: €170k
2023: €154k
2024: €100k
2018 → 2025
Net result
€44k
2024 · €-19k
2018: €22k
2019: €20k
2020: €22k
2021: €16k
2022: €13k
2023: €26k
2024: €-19k
2018 → 2025
Working capital
€51k▲ 16.3%
2024 · €44k
2018: €109k
2019: €134k
2020: €124k
2021: €80k
2022: €84k
2023: €76k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€112k▼ 1.3%€99k▼ 11.8%€61k▼ 38.6%€54k▼ 10.2%
Operating result€23k-€19k▼ 17.0%€34k▲ 73.5%€-18k€52k
Net result€16k-€13k▼ 19.9%€26k▲ 108%€-19k€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €52k after a loss of €18k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€4k▼ 81.0%
Current assets
€115k▲ 44.3%
Equity and liabilities €119k
Equity
€54k▼ 10.2%
Debt
€64k▲ 65.6%
The debt ratio rises from 39.0% to 54.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €-2k
Cash flow
€60k▲
2024 · €-2k
Solvency
45.8%▼
2024 · 61.0%
Current ratio
1.79▼
2024 · 2.21
Quick ratio
1.79▼
2024 · 2.21
Debt / equity
1.18▲
2024 · 0.64
ROE
80.8%▲
2024 · -30.5%
ROA
37.1%▲
2024 · -18.6%
Interest coverage
197.50▲
2024 · -2.57
Debt
€64k▲
2024 · €39k
Debt ≤ 1 year
€64k▲
2024 · €36k
Debt > 1 year
€0▼
2024 · €3k
Income taxes
€8k▲
2024 · €258
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€100k€119k▲
Fixed assets21/28€20k€4k▼
Tangible fixed assets22/27€20k€4k▼
Furniture and vehicles24€20k€4k▼
Current assets29/58€80k€115k▲
Amounts receivable within one year40/41€7k€18k▲
Trade receivables40€0€12k▲
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€72k€96k▲
Deferred charges and accrued income490/1€819€611▼
Equity and liabilities
Total equity and liabilities10/49€100k€119k▲
Equity10/15€61k€54k▼
Contributions10/11€1k€1k=
Reserves13€60k€53k▼
Distributable reserves133€60k€53k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€39k€64k▲
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€36k€64k▲
Current portion of amounts payable after more than one year42€10k€3k▼
Financial debts43€0€16▲
Credit institutions430/8€0€16▲
Trade debts44€458€212▼
Suppliers440/4€458€212▼
Taxes, remuneration and social security45€0€7k▲
Taxes450/3€0€7k▲
Other amounts payable47/48€26k€55k▲
Accrued charges and deferred income492/3€215€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€-2k€68k▲
Operating profit (loss)9901€-18k€52k▲
Financial income75/76B€551€503▼
Recurring financial income75€551€503▼
Financial charges65/66B€759€343▼
Recurring financial charges65€759€343▼
Profit (loss) for the period before taxes9903€-18k€52k▲
Income taxes67/77€258€8k▲
Profit (loss) for the period9904€-19k€44k▲
Profit (loss) for the period to be appropriated9905€-19k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€44k▲
Transfer from equity791/2€38k€50k▲
Transfer to equity691/2€0€44k▲
To other reserves6921€0€44k▲
Profit to be distributed694/7€20k€50k▲
Return on contributions (dividend)694€20k€50k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-19k ▼171%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Aarschot · 1 establishment unit since 2011
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.
Mottestraat 853202 AarschotGround area
1,159 m²
Building footprint
165 m²
Volume, LiDAR
746 m³
Parcel 24092C0113/00C000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lumo Consult
since 20112.195.761.086
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24092C0113/00C000 | Flanders | 1,159 m² | 1 · 165 m² | 7.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400CWXVVVAKYDIN21
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2011
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
46500Wholesale of information and communication equipment
46510Wholesale trade
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.