LUMO GROUP
ActiveSummary
LUMO GROUP has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304k and a net result of €43k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 31% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-9
Solvency37▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity tight (current ratio 1.15 against 1.12 in 2024; short-term debt: 81% and cash: 0% of total assets), and 88.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
11.9%
Return on assets
1.7%
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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
24 d late
2023
75 d late
2022
94 d late
2021
277 d late
2020
149 d late
2019
83 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▲ 249%
2024 · €12k
2018: €-23k
2019: €2k
2020: €14k
2021: €103k
2022: €92k
2023: €3k
2024: €12k
2018 → 2025
Working capital
€313k▲ 64.6%
2024 · €190k
2018: €1.02M
2019: €451k
2020: €5k
2021: €670k
2022: €461k
2023: €290k
2024: €190k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€246k▲ 59.1%€249k▲ 1.0%€261k▲ 4.9%€304k▲ 16.3%
Operating result€144k-€122k▼ 15.4%€29k▼ 76.4%€14k▼ 52.6%€177k▲ 1,206%
Net result€103k-€92k▼ 11.1%€3k▼ 97.3%€12k▲ 387%€43k▲ 249%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,206% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.55M
Fixed assets
€173k ▼ 4.4%
Current assets
€2.38M ▲ 30.3%
Equity and liabilities €2.55M
Equity
€304k ▲ 16.3%
Debt
€2.25M ▲ 28.8%
Debt's share of the balance-sheet total rises from 87.0% to 88.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€195k▲
2024 · €31k
Cash flow
€61k▲
2024 · €30k
Current ratio
1.15▲
2024 · 1.12
Quick ratio
0.58▼
2024 · 0.67
Debt to equity
7.40▲
2024 · 6.68
ROE
14.0%▲
2024 · 4.7%
ROA
1.7%▲
2024 · 0.6%
Interest coverage
1.47▼
2024 · 2.67
Debt ≤ 1 year
€2.07M▲
2024 · €1.64M
Debt > 1 year
€100k▼
2024 · €108k
Income taxes
€20k▼
2024 · €25k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.01M€2.55M▲
Fixed assets21/28€181k€173k▼
Tangible fixed assets22/27€180k€162k▼
Land and buildings22€180k€162k▼
Financial fixed assets28€600€11k▲
Current assets29/58€1.83M€2.38M▲
Stocks and contracts in progress3€729k€1.19M▲
Stocks30/36€729k€1.19M▲
Amounts receivable within one year40/41€868k€1.19M▲
Trade receivables40€36k€100k▲
Other amounts receivable41€832k€1.09M▲
Cash at bank and in hand54/58€182k€4▼
Deferred charges and accrued income490/1€47k€1k▼
Equity and liabilities
Total equity and liabilities10/49€2.01M€2.55M▲
Equity10/15€261k€304k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€247k€290k▲
Amounts payable17/49€1.75M€2.25M▲
Amounts payable after more than one year17€108k€100k▼
Financial debts170/4€107k€100k▼
Other amounts payable178/9€800€800=
Amounts payable within one year42/48€1.64M€2.07M▲
Current portion of amounts payable after more than one year42€7k€8k▲
Financial debts43€420k€798k▲
Credit institutions430/8€420k€798k▲
Trade debts44€14k€43k▲
Suppliers440/4€14k€43k▲
Taxes, remuneration and social security45-€17k
Taxes450/3-€17k
Other amounts payable47/48€1.19M€1.20M▲
Accrued charges and deferred income492/3€2k€82k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€6k€6k▼
Gross operating margin9900€37k€201k▲
Operating profit (loss)9901€14k€177k▲
Financial income75/76B€35k€18k▼
Recurring financial income75€35k€18k▼
Non-recurring financial income76B€35k-
Financial charges65/66B€12k€133k▲
Recurring financial charges65€12k€133k▲
Profit (loss) for the period before taxes9903€37k€63k▲
Income taxes67/77€25k€20k▼
Profit (loss) for the period9904€12k€43k▲
Profit (loss) for the period to be appropriated9905€12k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€247k€290k▲
Profit (loss) brought forward from the previous period14P€235k€247k▲
The notes to these accounts (8 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
22-09
State Gazette act
Purpose · Resignations & appointmentsName change · Statutes amendment · Purpose change6 facts ▸
State Gazette act
Purpose · Resignations & appointments
Name change · Statutes amendment · Purpose change6 facts ▸
- General meeting, 11-09-2026
- Name change, LUMO GROUP
- Statutes amendment, Article 1
- Purpose change
- Power of attorney
- Power of attorney, Antoine DEBOUCHE
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 24 days late
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 75 days late
2023
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 94 days late
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 277 days late
2022
31-12
Financial
Equity above €200kEq €246k ▲59.1%
4 profitable years in a row build equity to €246k.
2021
31-12
Financial
Highest result since 2018net €103k ▲629%
Net result €103k, the highest in the series.
31-12
Financial
Equity above €150kEq €155k ▲199%
3 profitable years in a row build equity to €155k.
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 149 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 83 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Etterbeek · 1 establishment unit since 2016
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.
Legerlaan 411040 EtterbeekGround area
104 m²
Building footprint
105 m²
Volume, LiDAR
1,512 m³
Parcel 21362B0279/00S002, Brussels · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CTIMMO
since 20162.258.142.875
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0279/00S002 | Brussels | 104 m² | 1 · 105 m² | 17.0 m · 5 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.
Articles of association
Purpose
Constituer, développer, promouvoir et gérer un patrimoine immobilier, et réaliser toute opération immobilière et foncière quelconque, y compris celles se rapportant à tous droits…
Full purpose (5 activities)
- Constituer, développer, promouvoir et gérer un patrimoine immobilier, et réaliser toute opération immobilière et foncière quelconque, y compris celles se rapportant à tous droits réels immobilier comme, entre autres, l'emphytéose, la superficie ou encore le leasing immobilier, le tout dans son acceptation la plus large et notamment :
- L'acquisition, l'aliénation, l'acte de grever, l'échange, la rénovation, la transformation, l'aménagement, l'entretien, le lotissement, la prospection, l'exploitation, la préparation pour construire, la location (donner ou prendre à bail), la sous-location, la mise à disposition, la gestion et la gérance, dans le sens le plus large, en nom propre et au nom de tiers d'immeubles et de droits réels immobiliers, sans que cette énumération soit limitative, et de biens meubles concernant l'aménagement et l'équipement d'immeubles, sans que cette énumération soit limitative, l'exploitation de commerces et/ou immeubles et droits réels immobiliers, ainsi que tous les actes ayant un rapport direct ou indirect avec cet objet social ou qui seraient de nature à favoriser directement ou indirectement le rendement de biens meubles et immeubles.
- Sans que cette énumération soit limitative
- Toutes activités de coaching, d'accompagnement et de conseil en bien-être, en développement personnel et en qualité de vie, en ce compris l'organisation de cours, séances individuelles ou collectives, ateliers, stages, formations et événements y afférents, ainsi que la vente de tous produits et accessoires connexes.
- Exploiter tout établissement, studio ou espace dédié à ces activités, seule ou en partenariat avec des tiers.
Other provisions of the articles (1)
- Name clause: LUMO GROUP
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,844 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.