Lumor
ActiveThe computed 12-month bankruptcy probability of Lumor is 3.7% (moderate). The 2025 annual accounts show equity of €44k and a net result of €-34k. Equity is growing by ~25% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency54▼-7
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
short-term debt: 0.8% and cash: 4.3% of total assets, and 71% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
29%
Return on assets
-22.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
39 d early
2024
53 d early
2023
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€44k▼ 43.5%
2024 · €79k
2023: €22k
2024: €79k
2023 → 2025
Total assets
€153k▼ 29.1%
2024 · €216k
2023: €169k
2024: €216k
2023 → 2025
Net result
€-34k
2024 · €56k
2023: €17k
2024: €56k
2023 → 2025
Working capital
€152k▼ 22.5%
2024 · €196k
2023: €160k
2024: €196k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€79k▲ 254%€44k▼ 43.5%
Operating result€23k-€84k▲ 267%€-50k
Net result€17k-€56k▲ 227%€-34k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €50k after €84k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €153k
Equity
€44k▼ 43.5%
Debt
€109k▼ 20.9%
The debt ratio rises from 63.6% to 71.0%. Equity and debt are lower.
Key figures and ratios
Solvency
29.0%▼
2024 · 36.4%
Debt / equity
2.44▲
2024 · 1.75
ROE
-76.9%▼
2024 · 71.7%
ROA
-22.3%▼
2024 · 26.1%
Debt
€109k▼
2024 · €137k
Debt ≤ 1 year
€1k▼
2024 · €20k
Debt > 1 year
€107k▼
2024 · €117k
Income taxes
€0▼
2024 · €19k
A ratio outside any meaningful range has been withheld (balance sheet total €153k, equity €44k).
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€216k€153k▼
Current assets29/58€216k€153k▼
Current investments50/53€201k€146k▼
Cash at bank and in hand54/58€15k€7k▼
Deferred charges and accrued income490/1€392€795▲
Equity and liabilities
Total equity and liabilities10/49€216k€153k▼
Equity10/15€79k€44k▼
Contributions10/11€5k€5k=
Reserves13€74k€39k▼
Distributable reserves133€74k€39k▼
Amounts payable17/49€137k€109k▼
Amounts payable after more than one year17€117k€107k▼
Other amounts payable178/9€117k€107k▼
Amounts payable within one year42/48€20k€1k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€19k€0▼
Taxes450/3€19k€0▼
Accrued charges and deferred income492/3-€71
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€85€157▲
Gross operating margin9900€84k€-50k▼
Operating profit (loss)9901€84k€-50k▼
Financial charges65/66B€9k€-16k▼
Recurring financial charges65€9k€-16k▼
Profit (loss) for the period before taxes9903€75k€-34k▼
Income taxes67/77€19k€0▼
Profit (loss) for the period9904€56k€-34k▼
Profit (loss) for the period to be appropriated9905€56k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€-34k▼
Transfer from equity791/2-€34k
Transfer to equity691/2€56k€0▼
To other reserves6921€56k€0▼
The notes to these accounts (4 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-34k ▼161%
Net result drops to €-34k, the lowest in the series.
30-06
Financial
Liquidity times 11current ratio 121.05
Current ratio from 10.78 to 121.05; short-term debt falls from €20k to €1k.
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Highest result since 2023net €56k ▲227%
Operating result €84k, net result €56k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Nazareth-De Pinte · 1 establishment unit since 2023
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.
Bommelstraat 149840 Nazareth-De PinteGround area
594 m²
Building footprint
141 m²
Volume, LiDAR
543 m³
Parcel 44012A0051/00X003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lumor
since 20232.342.568.608
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012A0051/00X003 | Flanders | 594 m² | 1 · 141 m² | 10.3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2023
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.