LUMTUROJ
ActiveLUMTUROJ has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €20k. Equity is growing by ~36.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-13
Solvency80▼-20
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 9.01 in 2024), but 55.6% 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 →
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
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
44.4%
Return on assets
7.1%
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 09-12-2025, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
42 d early
2023
9 d early
2022
20 d early
2021
on the day
2020
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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▼ 49.0%
2024 · €250k
2020: €44k
2021: €92k
2022: €149k
2023: €204k
2024: €250k
2020 → 2025
Total assets
€287k▲ 3.9%
2024 · €276k
2020: €93k
2021: €145k
2022: €193k
2023: €221k
2024: €276k
2020 → 2025
Net result
€20k▼ 56.0%
2024 · €46k
2020: €38k
2021: €48k
2022: €57k
2023: €55k
2024: €46k
2020 → 2025
Working capital
€94k▼ 54.7%
2024 · €207k
2020: €30k
2021: €82k
2022: €145k
2023: €201k
2024: €207k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€149k▲ 62.6%€204k▲ 36.9%€250k▲ 22.5%€127k▼ 49.0%
Operating result€68k-€85k▲ 25.0%€73k▼ 14.7%€52k▼ 28.3%€28k▼ 45.7%
Net result€48k-€57k▲ 20.3%€55k▼ 4.2%€46k▼ 16.4%€20k▼ 56.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 46% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €287k
Fixed assets
€34k▼ 21.4%
Current assets
€253k▲ 8.5%
Equity and liabilities €287k
Equity
€127k▼ 49.0%
Debt
€159k▲ 515%
The debt ratio rises from 9.4% to 55.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€37k▼
2024 · €54k
Cash flow
€29k▼
2024 · €48k
Solvency
44.4%▼
2024 · 90.6%
Current ratio
1.59▼
2024 · 9.01
Quick ratio
1.59▼
2024 · 9.01
Debt / equity
1.25▲
2024 · 0.10
ROE
15.9%▼
2024 · 18.4%
ROA
7.1%▼
2024 · 16.7%
Interest coverage
489.66▲
2024 · -58.51
Debt
€159k▲
2024 · €26k
Debt ≤ 1 year
€159k▲
2024 · €26k
Income taxes
€9k▼
2024 · €17k
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€276k€287k▲
Fixed assets21/28€43k€34k▼
Tangible fixed assets22/27€43k€34k▼
Plant, machinery and equipment23€920€353▼
Furniture and vehicles24€42k€33k▼
Current assets29/58€233k€253k▲
Amounts receivable within one year40/41€30k€18k▼
Trade receivables40€29k€18k▼
Other amounts receivable41€924€468▼
Current investments50/53€81k€102k▲
Cash at bank and in hand54/58€119k€130k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€276k€287k▲
Equity10/15€250k€127k▼
Contributions10/11€6k€6k=
Reserves13€244k€121k▼
Distributable reserves133€244k€121k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€26k€159k▲
Amounts payable within one year42/48€26k€159k▲
Trade debts44€14k€2k▼
Suppliers440/4€14k€2k▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Other amounts payable47/48€3k€138k▲
Accrued charges and deferred income492/3€16€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Other operating charges640/8€748€702▼
Gross operating margin9900€55k€38k▼
Operating profit (loss)9901€52k€28k▼
Financial income75/76B€10k€1k▼
Recurring financial income75€793€1k▲
Non-recurring financial income76B€9k€0▼
Financial charges65/66B€-920€76▲
Recurring financial charges65€-920€76▲
Profit (loss) for the period before taxes9903€63k€30k▼
Income taxes67/77€17k€9k▼
Profit (loss) for the period9904€46k€20k▼
Profit (loss) for the period to be appropriated9905€46k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€20k▼
Transfer from equity791/2-€143k
Transfer to equity691/2€46k€20k▼
To other reserves6921€46k€20k▼
Profit to be distributed694/7-€143k
Return on contributions (dividend)694-€143k
The notes to these accounts (5 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
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €20k ▼56%
Net result drops to €20k, the lowest in the series.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity triplescurrent ratio 12.52
Current ratio from 4.30 to 12.52; short-term debt falls from €44k to €17k.
30-06
Financial
Equity above €200kEq €204k ▲36.9%
4 profitable years in a row build equity to €204k.
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2020net €57k ▲20.3%
Operating result €85k, net result €57k, both a record.
30-06
Financial
Equity above €100kEq €149k ▲62.6%
3 profitable years in a row build equity to €149k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lier · 1 establishment unit since 2018
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.
De Heyderstraat 322500 LierGround area
183 m²
Building footprint
114 m²
Volume, LiDAR
1,126 m³
Parcel 12021H0143/00Z000, Flanders · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
De Heyderstraat 32, 2500 Lier
since 20182.280.336.079
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021H0143/00Z000 | Flanders | 183 m² | 1 · 114 m² | 16.1 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 2,220 EUR awarded · 2,220 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,101 EUR | 1,101 EUR |
| 2024 | 1 | 390 EUR | 390 EUR |
| 2022 | 1 | 729 EUR | 729 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,720 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2018
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
71209Other technical testing and analysis
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.