Lumo Invest
ActiveLumo Invest has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €-19k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 24% of 3184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-47
Solvency47▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.89 in 2024; short-term debt: 35.8% and cash: 3% of total assets), and 77.6% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 3184 sector peers (2025).
NBB · sector comparisonPosition among 3184 sector peers
Solvency
better than 24%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
30 d early
2023
22 d late
2022
31 d late
2021
58 d late
2020
30 d late
2019
395 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-19k
2024 · €54k
2018: €-18k
2019: €9k
2020: €49k
2021: €86k
2022: €56k
2023: €4k
2024: €54k
2018 → 2025
Working capital
€-51k▼ 320%
2024 · €-12k
2018: €66k
2019: €103k
2020: €154k
2021: €159k
2022: €118k
2023: €-106k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€240k-€195k▼ 18.5%€199k▲ 2.0%€253k▲ 27.1%€234k▼ 7.5%
Operating result€108k-€71k▼ 34.7%€14k▼ 79.8%€95k▲ 568%€7k▼ 92.4%
Net result€86k-€56k▼ 35.7%€4k▼ 93.0%€54k▲ 1,290%€-19k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€722k▲ 4.2%
Current assets
€322k▲ 233%
Equity and liabilities €1.04M
Equity
€234k▼ 7.5%
Debt
€810k▲ 51.0%
The debt ratio rises from 67.9% to 77.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €118k
Cash flow
€15k▼
2024 · €76k
Solvency
22.4%▼
2024 · 32.1%
Current ratio
0.86▼
2024 · 0.89
Quick ratio
0.10▼
2024 · 0.89
Debt / equity
3.46▲
2024 · 2.12
ROE
-8.1%▼
2024 · 21.3%
ROA
-1.8%▼
2024 · 6.8%
Interest coverage
1.58▼
2024 · 6.26
Debt
€810k▲
2024 · €537k
Debt ≤ 1 year
€374k▲
2024 · €109k
Debt > 1 year
€436k▲
2024 · €427k
Income taxes
€218▼
2024 · €22k
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€790k€1.04M▲
Fixed assets21/28€693k€722k▲
Tangible fixed assets22/27€693k€722k▲
Land and buildings22€693k€671k▼
Furniture and vehicles24-€51k
Current assets29/58€97k€322k▲
Stocks and contracts in progress3-€284k
Stocks30/36-€284k
Amounts receivable within one year40/41€26k€3k▼
Trade receivables40€23k€0▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€62k€31k▼
Deferred charges and accrued income490/1€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€790k€1.04M▲
Equity10/15€253k€234k▼
Contributions10/11€112k€112k=
Capital10€112k€112k=
Issued capital100€112k€112k=
Reserves13€123k€123k=
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Distributable reserves133€112k€112k=
Profit (loss) carried forward14€19k€-548▼
Amounts payable17/49€537k€810k▲
Amounts payable after more than one year17€427k€436k▲
Financial debts170/4€427k€436k▲
Amounts payable within one year42/48€109k€374k▲
Current portion of amounts payable after more than one year42€22k€34k▲
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€22k€23k▲
Taxes450/3€22k€23k▲
Other amounts payable47/48€61k€318k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€34k▲
Other operating charges640/8€9k€9k▼
Non-recurring operating charges66A€9k€23k▲
Gross operating margin9900€136k€73k▼
Operating profit (loss)9901€95k€7k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€19k€26k▲
Recurring financial charges65€19k€26k▲
Profit (loss) for the period before taxes9903€76k€-19k▼
Income taxes67/77€22k€218▼
Profit (loss) for the period9904€54k€-19k▼
Profit (loss) for the period to be appropriated9905€54k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€-548▼
Profit (loss) brought forward from the previous period14P€19k€19k=
Transfer to equity691/2€54k-
To other reserves6921€54k-
The notes to these accounts (9 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
11-08
State Gazette act
Capital & shares · Statutes amendment · Legal-form change · Resignations & appointments · RestructuringGeneral meeting · Demerger · Capital decrease13 facts ▸
State Gazette act
Capital & shares · Statutes amendment · Legal-form change · Resignations & appointments · Restructuring
General meeting · Demerger · Capital decrease13 facts ▸
- General meeting, 28/07/2026
- Demerger, 28/07/2026
- Capital decrease, €75.302,69
- Incorporation, 28/07/2026
- Founding capital, €158.202,89
- Legal-form conversion, Besloten Vennootschap
- Corporate purpose, De vennootschap heeft tot voorwerp: -De import en export, de groot- en kleinhandel: oin artikelen voor binnenhuisinrichting... -Onderneming voor de uitvoering v…
- Net-asset statement, 01/07/2026
- Real estate, Stad BILZEN-HOESELT - tweede afdeling - Beverst: 1) Woonhuis Holt 119 (sectie D, 591LP0000, 05a40ca); 2) Woonhuis Holt 121 (sectie D, 591MP0000, 09a40ca); 3) Wo…
- Real estate, Stad BILZEN-HOESELT - eerste afdeling - Bilzen: Hal 3, Bremakker 34 (sectie G, 389CP0003, 336,80m²) + parking 24. Verkocht op 1 juli 2026, maakt geen deel meer…
- Accounting effect, 01/01/2026
- Statutes amendment
- +1 further facts in this act
79.6% of this act was read; anything after the cut is not in this list.Read the act at the Belgisch Staatsblad ↗
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-19k ▼135%
Net result drops to €-19k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €253k ▲27.1%
6 profitable years in a row build equity to €253k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 58 days late
2021
31-12
Financial
Highest result since 2018net €86k ▲77.9%
Operating result €108k, net result €86k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 395 days late
2020
31-12
Financial
Equity above €200kEq €240k ▲25.3%
2 profitable years in a row build equity to €240k.
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, last change in 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2024
VANTILT JOHAN JOSEPH: Resigned as Director
15-02-2023
VANTILT Johan: Resigned as Managing director
15-02-2023
VANTILT Joseph: Resigned as Director
01-06-2022
SNELLINGS Monica: Resigned as Director
Not every act has been read: a resignation may be missing here
1 act was read only in part. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 1988
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.
Reeweg 1103720 HasseltGround area
2,186 m²
Building footprint
215 m²
Parcel 73040C0335/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
LUMO DECOR
since 19882.038.219.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040C0335/00F000 | Flanders | 2,186 m² | 1 · 215 m² | - |
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.
Structure & network
Acquisitions and mergers
2 transactionsContributed a business line to:Lumo Vastgoed
Contributed a business line to:Lumo Vastgoed
Capital and shareholders
Founding capital 158,202.89 EUR · 450 shares
Similar companies · same sector, comparable size
DOTA Consulting
BE 0838.427.220
Willebroek · Eq €234k
DWT CONSULTING
BE 0895.352.659
Lubbeek · Eq €234k
KAMM
BE 0770.981.536
Zelzate · Eq €234k
LARABESKO
BE 0835.089.331
Gent · Eq €234k
WARLIEN VERMONDEN
BE 0631.814.448
Hoogstraten · Eq €234k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-1988
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.