Summary
LUNAFIN 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 €172k and a net result of €12k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 22%
← weakest
strongest →
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 06-01-2026, 25 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
25 d early
2024
51 d early
2023
50 d early
2022
42 d early
2021
37 d early
2020
30 d early
2019
72 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 7.7%
2024 · €160k
2019: €56k
2020: €34k
2021: €43k
2022: €106k
2023: €150k
2024: €160k
2019 → 2025
Net result
€12k▲ 25.3%
2024 · €10k
2019: €27k
2020: €31k
2021: €39k
2022: €65k
2023: €45k
2024: €10k
2019 → 2025
Total assets
€1.02M▲ 9.0%
2024 · €936k
2019: €106k
2020: €191k
2021: €190k
2022: €504k
2023: €595k
2024: €936k
2019 → 2025
Solvency
16.9%▼ 0.2pp
2024 · 17.1%
2019: 52.3%
2020: 17.8%
2021: 22.5%
2022: 21.1%
2023: 25.2%
2024: 17.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€106k▲ 149%€150k▲ 40.7%€160k▲ 6.6%€172k▲ 7.7%
Operating result€53k-€77k▲ 44.4%€66k▼ 13.7%€32k▼ 51.3%€46k▲ 41.1%
Net result€39k-€65k▲ 67.9%€45k▼ 31.2%€10k▼ 78.1%€12k▲ 25.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€1.00M ▲ 11.6%
Current assets
€19k ▼ 51.8%
Equity and liabilities €1.02M
Equity
€172k ▲ 7.7%
Debt
€848k ▲ 9.3%
Debt's share of the balance-sheet total rises from 82.9% to 83.1%. Equity and debt are higher.
Key figures and ratios
ROE
7.2%▲
2024 · 6.2%
ROA
1.2%▲
2024 · 1.1%
Debt ≤ 1 year
€209k▲
2024 · €178k
Debt > 1 year
€639k▲
2024 · €598k
Income taxes
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€936k€1.02M▲
Fixed assets21/28€897k€1.00M▲
Tangible fixed assets22/27€897k€1.00M▲
Land and buildings22€768k€901k▲
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€115k€89k▼
Current assets29/58€39k€19k▼
Amounts receivable within one year40/41€12k€10k▼
Trade receivables40€2k€396▼
Other amounts receivable41€10k€10k▼
Current investments50/53€10k-
Cash at bank and in hand54/58€13k€5k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€936k€1.02M▲
Equity10/15€160k€172k▲
Contributions10/11€19k€19k=
Reserves13€141k€153k▲
Distributable reserves133€141k€153k▲
Amounts payable17/49€776k€848k▲
Amounts payable after more than one year17€598k€639k▲
Financial debts170/4€598k€639k▲
Amounts payable within one year42/48€178k€209k▲
Current portion of amounts payable after more than one year42€87k€77k▼
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€1k€8k▲
Suppliers440/4€1k€8k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€3k€10k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€80k€111k▲
Accrued charges and deferred income492/3€349€305▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€51k▼
Other operating charges640/8€11k€7k▼
Gross operating margin9900€103k€103k▲
Operating profit (loss)9901€32k€46k▲
Financial income75/76B€320€303▼
Recurring financial income75€320€303▼
Financial charges65/66B€21k€31k▲
Recurring financial charges65€21k€31k▲
Profit (loss) for the period before taxes9903€12k€15k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€10k€12k▲
Profit (loss) for the period to be appropriated9905€10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€12k▲
Transfer to equity691/2€10k€12k▲
To other reserves6921€10k€12k▲
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
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €10k ▼78.1%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €160k ▲6.6%
6 profitable years in a row build equity to €160k.
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €65k ▲67.9%
Operating result €77k, net result €65k, both a record.
30-06
Financial
Equity above €100kEq €106k ▲149%
4 profitable years in a row build equity to €106k.
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Brugge · 1 establishment unit since 2016
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.
Jeruzalemstraat 458000 BruggeGround area
114 m²
Building footprint
114 m²
Parcel 31005A0128/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
LUNAFIN
since 20162.254.162.016
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31005A0128/00F000 | Flanders | 114 m² | 1 · 114 m² | - |
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
96760079FDPB3ZEXWV96
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,423 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-04-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.