LUMY
ActiveLUMY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.09M and a net result of €30k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 93% of 7971 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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
21 d late
2023
30 d late
2022
30 d late
2021
24 d late
2020
31 d late
2019
87 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.09M▼ 0.2%
2024 · €1.09M
2018: €714k
2019: €669k
2020: €960k
2021: €965k
2022: €1.11M
2023: €1.09M
2024: €1.09M
2018 → 2025
Net result
€30k▲ 0.5%
2024 · €30k
2018: €2k
2019: €-22k
2020: €292k
2021: €7k
2022: €151k
2023: €-20k
2024: €30k
2018 → 2025
Total assets
€1.15M▼ 3.7%
2024 · €1.20M
2018: €1.07M
2019: €1.03M
2020: €1.04M
2021: €971k
2022: €1.13M
2023: €1.22M
2024: €1.20M
2018 → 2025
Solvency
94.5%▲ 3.3pp
2024 · 91.1%
2018: 66.8%
2019: 64.9%
2020: 92.4%
2021: 99.5%
2022: 98.3%
2023: 89.6%
2024: 91.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€965k-€1.11M▲ 15.5%€1.09M▼ 1.9%€1.09M▼ 0.1%€1.09M▼ 0.2%
Operating result€-1k-€-46k▼ 3,615%€-46k▲ 0.6%€-40k▲ 12.7%€842
Net result€7k-€151k▲ 1,939%€-20k€30k€30k▲ 0.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €842 after a loss of €40k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€921▼ 34.7%
Current assets
€1.15M▼ 3.7%
Equity and liabilities €1.15M
Equity
€1.09M▼ 0.2%
Debt
€64k▼ 39.9%
The debt ratio falls from 8.9% to 5.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
94.5%▲
2024 · 91.1%
ROE
2.7%▲
2024 · 2.7%
ROA
2.6%▲
2024 · 2.5%
Debt
€64k▼
2024 · €106k
Debt ≤ 1 year
€64k▼
2024 · €106k
Income taxes
€3k▼
2024 · €3k
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€1.20M€1.15M▼
Fixed assets21/28€1k€921▼
Tangible fixed assets22/27€1k€921▼
Furniture and vehicles24€1k€921▼
Current assets29/58€1.20M€1.15M▼
Amounts receivable after more than one year29€686k€718k▲
Other amounts receivable291€686k€718k▲
Amounts receivable within one year40/41€70k€114k▲
Trade receivables40€64k€107k▲
Other amounts receivable41€7k€7k▲
Current investments50/53€250k€250k=
Cash at bank and in hand54/58€191k€72k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.15M▼
Equity10/15€1.09M€1.09M▼
Contributions10/11€25k€25k=
Reserves13€1.07M€1.07M▼
Distributable reserves133€1.07M€1.07M▼
Amounts payable17/49€106k€64k▼
Amounts payable within one year42/48€106k€64k▼
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€103k€56k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56€488▲
Other operating charges640/8€968€263▼
Gross operating margin9900€-39k€2k▲
Operating profit (loss)9901€-40k€842▲
Financial income75/76B€73k€31k▼
Recurring financial income75€58k€31k▼
Non-recurring financial income76B€14k-
Financial charges65/66B€12€6▼
Recurring financial charges65€12€6▼
Profit (loss) for the period before taxes9903€33k€32k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€30k€30k▲
Profit (loss) for the period to be appropriated9905€30k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€30k▲
Transfer from equity791/2€31k€32k▲
Transfer to equity691/2€30k€30k▲
To other reserves6921€30k€30k▲
Profit to be distributed694/7€31k€32k▲
Return on contributions (dividend)694€2k€2k▼
Directors or managers695€29k€30k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Equity above €1MEq €1.11M ▲15.5%
3 profitable years in a row build equity to €1.11M.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Liquidity times 15current ratio 167.39
Current ratio from 11.52 to 167.39; short-term debt falls from €79k to €5k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €292k
Net result €292k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 11.52
Current ratio from 2.40 to 11.52; short-term debt falls from €362k to €79k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 87 days late
2019
31-12
Financial
Weakest financial yearnet €-22k ▼1216%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
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
6 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, Boutersem · 1 establishment unit since 2000
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.
Malendriesstraat 813370 BoutersemGround area
305 m²
Building footprint
84 m²
Volume, LiDAR
32 m³
Parcel 24049C0343/00A000, Flanders · tallest building 3.3 m. Linked by address, not a title deed.
1 establishment unit
Lumy
since 20002.099.935.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24049C0343/00A000 | Flanders | 305 m² | 1 · 83 m² | 3.2 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
5299007U7F6DYA5UFX88
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,441 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2000
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
93040
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
70200Business and other management consultancy
70220Business consulting
85699Other educational support services
93022
96022Beauty treatment
96040Personal service activities
96220Beauty care and other beauty treatments
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.