LUNIVA
ActiveLUNIVA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €-22k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency42▼-15
Growth32=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.28 against 1.38 in 2024), and 75.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.2%
Return on assets
-9.8%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€22k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
49 d late
2023
51 d late
2022
58 d late
2021
40 d early
2020
25 d early
2019
36 d early
← 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, abbreviated schema
Equity
€54k▼ 28.9%
2024 · €76k
2018: €96k
2019: €94k
2020: €93k
2021: €104k
2022: €97k
2023: €105k
2024: €76k
2018 → 2025
Total assets
€224k▼ 8.7%
2024 · €245k
2018: €311k
2019: €243k
2020: €231k
2021: €262k
2022: €225k
2023: €250k
2024: €245k
2018 → 2025
Net result
€-22k▲ 25.0%
2024 · €-29k
2018: €-508
2019: €-2k
2020: €-963
2021: €11k
2022: €-7k
2023: €501
2024: €-29k
2018 → 2025
Working capital
€47k▼ 25.8%
2024 · €64k
2018: €83k
2019: €85k
2020: €87k
2021: €103k
2022: €80k
2023: €88k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€97k▼ 6.4%€105k▲ 8.8%€76k▼ 27.8%€54k▼ 28.9%
Operating result€13k-€-4k€4k€-11k€-18k▼ 56.1%
Net result€11k-€-7k€501€-29k€-22k▲ 25.0%
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 stays negative: a loss of €18k in 2025 against €11k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€7k▼ 44.7%
Current assets
€217k▼ 6.8%
Equity and liabilities €224k
Equity
€54k▼ 28.9%
Debt
€169k▲ 0.4%
The debt ratio rises from 68.9% to 75.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-12k▼
2024 · €-6k
Cash flow
€-16k▲
2024 · €-24k
Solvency
24.2%▼
2024 · 31.1%
Current ratio
1.28▼
2024 · 1.38
Quick ratio
0.06▼
2024 · 0.11
Debt / equity
3.13▲
2024 · 2.21
ROE
-40.6%▼
2024 · -38.5%
ROA
-9.8%▲
2024 · -12.0%
Interest coverage
-2.83▼
2024 · -1.25
Debt
€169k▲
2024 · €169k
Debt ≤ 1 year
€169k▲
2024 · €169k
Income taxes
€282▼
2024 · €14k
Staff costs
€144k▼
2024 · €147k
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€245k€224k▼
Fixed assets21/28€12k€7k▼
Intangible fixed assets21€9k€5k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€1k€236▼
Current assets29/58€232k€217k▼
Stocks and contracts in progress3€214k€206k▼
Stocks30/36€214k€206k▼
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€9k€6k▼
Other amounts receivable41-€7
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€245k€224k▼
Equity10/15€76k€54k▼
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€14k€6k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€7k-
Profit (loss) carried forward14-€-15k
Amounts payable17/49€169k€169k▲
Amounts payable within one year42/48€169k€169k▲
Financial debts43€13k€5k▼
Credit institutions430/8€13k€5k▼
Trade debts44€53k€18k▼
Suppliers440/4€53k€18k▼
Taxes, remuneration and social security45€80k€105k▲
Taxes450/3€30k€18k▼
Remuneration and social security454/9€50k€86k▲
Other amounts payable47/48€23k€42k▲
Income statement
Code20242025
Remuneration, social security and pensions62€147k€144k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€9k€2k▼
Gross operating margin9900€150k€134k▼
Operating profit (loss)9901€-11k€-18k▼
Financial income75/76B€1€108▲
Recurring financial income75€1€108▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-16k€-22k▼
Income taxes67/77€14k€282▼
Profit (loss) for the period9904€-29k€-22k▲
Profit (loss) for the period to be appropriated9905€-29k€-22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-22k▲
Transfer from equity791/2€29k€7k▼
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Weakest financial yearnet €-29k ▼5955%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-12
Financial
Back to profitnet €501
Net result €501 after one loss-making year.
31-12
Financial
Equity above €100kEq €105k ▲8.8%
Equity rises from €97k to €105k.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €104k ▲11.5%
Equity rises from €93k to €104k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
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, Soignies · 2 establishment units since 2006
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.
Rue de la Station 127060 SoigniesGround area
1,385 m²
Building footprint
88 m²
Volume, LiDAR
523 m³
2 parcels, Wallonia · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
MINI-PRIX
since 20062.153.873.716
TOUT-PRIX
since 20062.153.874.013
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55010C0149/00D000 | Wallonia | 956 m² | 1 · 47 m² | 12.7 m · 4 fl. |
| 55040B0991/00L002 | Wallonia | 429 m² | 1 · 41 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesEnghien/Edingen2.153.874.013
Soignies2.153.873.716
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Of 12,964 companies in sector 47120 we hold annual accounts for 2,176. 1,513 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-2006
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47191Retail trade
47512Retail sale of household textiles and bedding
52122
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.