LUNAFER
ActiveThe computed 12-month bankruptcy probability of LUNAFER is 2.4% (moderate). The 2024 annual accounts show equity of €29k and a net result of €7k. Equity is growing by ~37.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 9981 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability45▲+7
Solvency27▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.42 against 1.82 in 2023; short-term debt: 63.1% and cash: 1.2% of total assets), and 98.5% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 13%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-02-2026, 209 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
209 d late
2023
84 d late
2022
66 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€29k▲ 34.2%
2023 · €21k
2022: €12k
2023: €21k
2022 → 2024
Total assets
€1.87M▲ 4.0%
2023 · €1.80M
2022: €928k
2023: €1.80M
2022 → 2024
Net result
€7k▼ 17.6%
2023 · €9k
2022: €7k
2023: €9k
2022 → 2024
Working capital
€495k▼ 30.3%
2023 · €709k
2022: €280k
2023: €709k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€12k-€21k▲ 71.1%€29k▲ 34.2%
Operating result€9k-€41k▲ 364%€29k▼ 29.9%
Net result€7k-€9k▲ 18.9%€7k▼ 17.6%
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 2024; 2024 is 30% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.87M
Fixed assets
€193k▼ 11.6%
Current assets
€1.67M▲ 6.1%
Equity and liabilities €1.87M
Equity
€29k▲ 34.2%
Debt
€1.84M▲ 3.6%
The debt ratio falls from 98.8% to 98.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▼
2023 · €71k
Cash flow
€38k▼
2023 · €38k
Solvency
1.5%▲
2023 · 1.2%
Current ratio
1.42▼
2023 · 1.82
Quick ratio
0.90▼
2023 · 1.14
Debt / equity
64.39▼
2023 · 83.44
ROE
25.5%▼
2023 · 41.6%
ROA
0.4%▼
2023 · 0.5%
Interest coverage
3.10▲
2023 · 2.18
Debt
€1.84M▲
2023 · €1.78M
Debt ≤ 1 year
€1.18M▲
2023 · €867k
Debt > 1 year
€660k▼
2023 · €689k
Income taxes
€2k▲
2023 · €42
Staff costs
€240k▼
2023 · €308k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.80M€1.87M▲
Formation expenses20€1k€669▼
Fixed assets21/28€219k€193k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€215k€191k▼
Land and buildings22€128k€122k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€83k€64k▼
Current assets29/58€1.58M€1.67M▲
Stocks and contracts in progress3€588k€616k▲
Stocks30/36€588k€616k▲
Amounts receivable within one year40/41€957k€1.03M▲
Trade receivables40€945k€983k▲
Other amounts receivable41€13k€51k▲
Cash at bank and in hand54/58€32k€22k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€1.80M€1.87M▲
Equity10/15€21k€29k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€16k€24k▲
Amounts payable17/49€1.78M€1.84M▲
Amounts payable after more than one year17€689k€660k▼
Financial debts170/4€689k€660k▼
Amounts payable within one year42/48€867k€1.18M▲
Current portion of amounts payable after more than one year42€19k€54k▲
Financial debts43-€15k
Credit institutions430/8-€15k
Trade debts44€531k€880k▲
Suppliers440/4€531k€880k▲
Advances received on contracts in progress46€115k-
Taxes, remuneration and social security45€103k€82k▼
Taxes450/3€35k€66k▲
Remuneration and social security454/9€68k€16k▼
Other amounts payable47/48€100k€148k▲
Accrued charges and deferred income492/3€219k-
Income statement
Code20232024
Remuneration, social security and pensions62€308k€240k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€17k-
Gross operating margin9900€400k€302k▼
Operating profit (loss)9901€41k€29k▼
Financial charges65/66B€33k€19k▼
Recurring financial charges65€33k€19k▼
Profit (loss) for the period before taxes9903€9k€10k▲
Income taxes67/77€42€2k▲
Profit (loss) for the period9904€9k€7k▼
Profit (loss) for the period to be appropriated9905€9k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€24k▲
Profit (loss) brought forward from the previous period14P€7k€16k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 209 days late
2024
31-12
Financial
Weakest financial yearnet €7k ▼17.6%
Net result drops to €7k, the lowest in the series.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Highest result since 2022net €9k ▲18.9%
Operating result €41k, net result €9k, both a record.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 2021
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.
Chaussée de Marche(EP) 5735101 NamurGround area
451 m²
Building footprint
86 m²
Volume, LiDAR
817 m³
Parcel 92039A0075/00X002, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LUNAFER
since 20212.325.539.960
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0075/00X002 | Wallonia | 451 m² | 1 · 86 m² | 11.3 m · 3 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.
Similar companies · same sector, comparable size
BEAUMONT & VANDENBERG
BE 0876.092.023
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BE 0800.788.349
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LV CONSTRUCT
BE 1007.116.356
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BOUWONDERNEMING G & K
BE 0888.279.775
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ALPHA GRUP PROJECT
BE 1003.882.197
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@lunaferconstruction.be