LUMUMAR
ActiveLUMUMAR has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €3k. Equity is growing by ~28.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-44
Solvency53▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.16 against 7.66 in 2024; short-term debt: 5.2% and cash: 32.7% of total assets), but 71.7% 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○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 · 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
28.3%
Return on assets
0.7%
Age of the figures
12 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
52 d late
2023
20 d late
2022
386 d late
2021
1 d late
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▼ 10.4%
2024 · €167k
2018: €26k
2019: €42k
2020: €11k
2021: €14k
2022: €92k
2023: €104k
2024: €167k
2018 → 2025
Total assets
€530k▼ 3.6%
2024 · €550k
2018: €221k
2019: €236k
2020: €490k
2021: €481k
2022: €505k
2023: €522k
2024: €550k
2018 → 2025
Net result
€3k▼ 94.5%
2024 · €63k
2018: €5k
2019: €15k
2020: €-31k
2021: €3k
2022: €78k
2023: €12k
2024: €63k
2018 → 2025
Working capital
€171k▼ 14.1%
2024 · €199k
2018: €-7k
2019: €-760
2020: €-49k
2021: €-50k
2022: €-40k
2023: €27k
2024: €199k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€92k▲ 567%€104k▲ 13.4%€167k▲ 60.9%€150k▼ 10.4%
Operating result€10k-€129k▲ 1,195%€16k▼ 87.6%€84k▲ 429%€18k▼ 78.8%
Net result€3k-€78k▲ 2,891%€12k▼ 84.2%€63k▲ 414%€3k▼ 94.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €530k
Fixed assets
€331k▲ 3.2%
Current assets
€199k▼ 13.2%
Equity and liabilities €530k
Equity
€150k▼ 10.4%
Provisions
€43k=
Debt
€336k▼ 0.8%
The debt ratio rises from 61.6% to 63.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€31k▼
2024 · €92k
Cash flow
€16k▼
2024 · €71k
Solvency
28.3%▼
2024 · 30.5%
Current ratio
7.16▼
2024 · 7.66
Quick ratio
7.16▼
2024 · 7.66
Debt / equity
2.24▲
2024 · 2.02
ROE
2.3%▼
2024 · 37.8%
ROA
0.7%▼
2024 · 11.5%
Interest coverage
2.33▼
2024 · 6.34
Debt
€336k▼
2024 · €339k
Debt ≤ 1 year
€28k▼
2024 · €30k
Debt > 1 year
€305k▲
2024 · €304k
Income taxes
€2k▲
2024 · €1k
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€550k€530k▼
Fixed assets21/28€321k€331k▲
Tangible fixed assets22/27€321k€331k▲
Land and buildings22€307k€300k▼
Plant, machinery and equipment23€11k€9k▼
Furniture and vehicles24€0€19k▲
Other tangible fixed assets26€3k€3k=
Current assets29/58€229k€199k▼
Amounts receivable within one year40/41€23k€17k▼
Trade receivables40€9k€9k▲
Other amounts receivable41€14k€8k▼
Current investments50/53-€7k
Cash at bank and in hand54/58€205k€173k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€550k€530k▼
Equity10/15€167k€150k▼
Contributions10/11€20k€20k=
Reserves13€152k€131k▼
Tax-exempt reserves132€130k€130k=
Distributable reserves133€22k€837▼
Profit (loss) carried forward14€-5k€-1k▲
Provisions and deferred taxes16€43k€43k=
Deferred taxes168€43k€43k=
Amounts payable17/49€339k€336k▼
Amounts payable after more than one year17€304k€305k▲
Financial debts170/4€304k€305k▲
Amounts payable within one year42/48€30k€28k▼
Current portion of amounts payable after more than one year42€15k€18k▲
Trade debts44€4k€638▼
Suppliers440/4€4k€638▼
Taxes, remuneration and social security45€958€6k▲
Taxes450/3€114€4k▲
Remuneration and social security454/9€844€1k▲
Other amounts payable47/48€10k€3k▼
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€13k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€34k-
Gross operating margin9900€130k€35k▼
Operating profit (loss)9901€84k€18k▼
Financial income75/76B€544€1k▲
Recurring financial income75€544€1k▲
Financial charges65/66B€15k€13k▼
Recurring financial charges65€15k€13k▼
Profit (loss) for the period before taxes9903€70k€6k▼
Transfer from deferred taxes780€6k-
Transfer to deferred taxes680€12k-
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€63k€3k▼
Transfer from tax-exempt reserves789€18k-
Transfer to tax-exempt reserves689€35k-
Profit (loss) for the period to be appropriated9905€46k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-1k▲
Profit (loss) brought forward from the previous period14P€-50k€-5k▲
Transfer from equity791/2-€21k
Profit to be distributed694/7-€21k
Return on contributions (dividend)694-€21k
The notes to these accounts (10 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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 52 days late
2024
30-09
Financial
Liquidity times 5current ratio 7.66
Current ratio from 1.46 to 7.66; short-term debt falls from €59k to €30k.
30-09
Financial
Equity above €150kEq €167k ▲60.9%
4 profitable years in a row build equity to €167k.
20-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
20-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 386 days late
2023
30-09
Financial
Liquidity times 7current ratio 1.46
Current ratio from 0.22 to 1.46.
30-09
Financial
Equity above €100kEq €104k ▲13.4%
3 profitable years in a row build equity to €104k.
2022
30-09
Financial
Highest result since 2018net €78k ▲2891%
Operating result €129k, net result €78k, both a record.
01-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-31k ▼299%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
19-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lede · 1 establishment unit since 2014
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.
Varkensmarkt 109340 LedeGround area
2,052 m²
Building footprint
280 m²
Volume, LiDAR
1,867 m³
Parcel 41052E0002/00M000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUMUMAR
since 20142.232.130.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41052E0002/00M000 | Flanders | 2,052 m² | 1 · 280 m² | 11.3 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,792 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2014
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68310Real estate agency activities
68311Real estate activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.