LUMOS
ActiveSummary
LUMOS has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.08M and a net result of €-96k. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes
Profitability26
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days only on tighter terms
short-term debt: 0.2% and cash: 9.5% of total assets, and 1.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 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
98.9%
Return on assets
-4.6%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
9 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€2.08M
Total assets
€2.11M
Net result
€-96k
Working capital
€2.10M
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €2.11M
Equity
€2.08M
Debt
€23k
Debt finances 1.1% of the balance-sheet total.
Key figures and ratios
Debt to equity
0.01
ROE
-4.6%
ROA
-4.6%
Debt ≤ 1 year
€4k
A ratio outside any meaningful range has been withheld (balance sheet total €2.11M, equity €2.08M).
Filed annual accounts As filed with the NBB · 2025 · 24 lines
Balance sheet
Code2025
Assets
Total assets20/58€2.11M
Current assets29/58€2.11M
Current investments50/53€1.90M
Cash at bank and in hand54/58€200k
Deferred charges and accrued income490/1€9k
Equity and liabilities
Total equity and liabilities10/49€2.11M
Equity10/15€2.08M
Contributions10/11€2.18M
Capital10€2.18M
Profit (loss) carried forward14€-96k
Amounts payable17/49€23k
Amounts payable within one year42/48€4k
Trade debts44€4k
Suppliers440/4€4k
Accrued charges and deferred income492/3€20k
Income statement
Code2025
Goods, raw materials, services and sundry goods60/61€96k
Gross operating margin9900€-96k
Operating profit (loss)9901€-96k
Financial charges65/66B€165
Recurring financial charges65€165
Profit (loss) for the period before taxes9903€-96k
Profit (loss) for the period9904€-96k
Profit (loss) for the period to be appropriated9905€-96k
Appropriation of the result
Profit (loss) to be appropriated9906€-96k
Accounts by statement
| Line | 2025 |
|---|---|
| Goods, raw materials, services and sundry goods60/61 | €96k |
| Gross operating margin9900 | €-96k |
| Operating profit (loss)9901 | €-96k |
| Financial charges65/66B | €165 |
| Recurring financial charges65 | €165 |
| Profit (loss) for the period before taxes9903 | €-96k |
| Profit (loss) for the period9904 | €-96k |
| Profit (loss) for the period to be appropriated9905 | €-96k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €2.11M | |
| Current assets29/58 | €2.11M | |
| Current investments50/53 | €1.90M | |
| Cash at bank and in hand54/58 | €200k | |
| Deferred charges and accrued income490/1 | €9k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €2.11M | |
| Equity10/15 | €2.08M | |
| Contributions10/11 | €2.18M | |
| Capital10 | €2.18M | |
| Profit (loss) carried forward14 | €-96k | |
| Amounts payable17/49 | €23k | |
| Amounts payable within one year42/48 | €4k | |
| Trade debts44 | €4k | |
| Suppliers440/4 | €4k | |
| Accrued charges and deferred income492/3 | €20k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €-96k |
| Operating cash flow (approximation) | €-96k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro 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
Ground area
42.5 ha
Parcel 24505K0046/00S004, Flanders. Linked by address, not a title deed.
81
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505K0046/00S004 | Flanders | 42.5 ha | - | - |
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.
Identification & contact
Identification
Legal formNon-profit association
Founded08-11-2024
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.