LUUM
ActiveSummary
LUUM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €391k and a net result of €369k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 31% of 2015 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+5
Solvency54▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.29 in 2024; short-term debt: 68.2% and cash: 35.1% of total assets), and 71.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
28.9%
Return on assets
27.2%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
30 d early
2023
30 d early
2022
55 d early
2021
33 d early
2020
37 d early
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, abbreviated schema
Equity
€391k▲ 1.0%
2024 · €388k
Total assets
€1.35M▲ 12.4%
2024 · €1.21M
Net result
€369k▲ 46.2%
2024 · €252k
Working capital
€225k▼ 0.7%
2024 · €227k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€150k▲ 4.5%€176k▲ 17.4%€238k▲ 34.8%€347k▲ 46.0%€501k▲ 44.2%
Net result€108k▲ 4.9%€125k▲ 15.3%€174k▲ 39.4%€252k▲ 45.3%€369k▲ 46.2%
Equity€388k=€388k=€388k=€388k=€391k▲ 1.0%
Total assets€1.18M▲ 2.2%€1.16M▼ 2.0%€1.01M▼ 12.4%€1.21M▲ 18.9%€1.35M▲ 12.4%
Debt€794k▲ 3.3%€770k▼ 3.0%€627k▼ 18.6%€818k▲ 30.5%€963k▲ 17.7%
Working capital€425k▲ 60.6%€284k▼ 33.3%€265k▼ 6.7%€227k▼ 14.3%€225k▼ 0.7%
Staff (FTE)6.1▲ 19.6%7.3▲ 19.7%7.4▲ 1.4%9.3▲ 25.7%9.2▼ 1.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 44% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.35M
Fixed assets
€206k ▲ 11.5%
Current assets
€1.15M ▲ 12.5%
Equity and liabilities €1.35M
Equity
€391k ▲ 1.0%
Debt
€963k ▲ 17.7%
Debt's share of the balance-sheet total rises from 67.8% to 71.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€564k▲
2024 · €393k
Cash flow
€432k▲
2024 · €298k
Current ratio
1.24▼
2024 · 1.29
Debt to equity
2.46▲
2024 · 2.11
ROE
94.3%▲
2024 · 65.1%
ROA
27.2%▲
2024 · 20.9%
Interest coverage
100.07▲
2024 · 62.27
Debt ≤ 1 year
€923k▲
2024 · €794k
Debt > 1 year
€40k▲
2024 · €24k
Income taxes
€128k▲
2024 · €89k
Staff costs
€450k▲
2024 · €418k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €232k | €305k | €321k | €418k | €450k | ▲ 7.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €151k | €75k | €37k | €46k | €63k | ▲ 38.7% |
| Other operating charges640/8 | €3k | €689 | €1k | €22k | €6k | ▼ 71.3% |
| Gross operating margin9900 | €536k | €557k | €597k | €833k | €1.02M | ▲ 22.6% |
| Operating profit (loss)9901 | €150k | €176k | €238k | €347k | €501k | ▲ 44.2% |
| Financial income75/76B | €1k | €296 | €3k | €82 | €1k | ▲ 1,477% |
| Recurring financial income75 | €1k | €296 | €3k | €82 | €1k | ▲ 1,477% |
| Financial charges65/66B | €5k | €7k | €3k | €6k | €6k | ▼ 10.7% |
| Recurring financial charges65 | €5k | €7k | €3k | €6k | €6k | ▼ 10.7% |
| Profit (loss) for the period before taxes9903 | €147k | €170k | €238k | €341k | €497k | ▲ 45.6% |
| Income taxes67/77 | €39k | €45k | €64k | €89k | €128k | ▲ 43.9% |
| Profit (loss) for the period9904 | €108k | €125k | €174k | €252k | €369k | ▲ 46.2% |
| Profit (loss) for the period to be appropriated9905 | €108k | €125k | €174k | €252k | €369k | ▲ 46.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.18M | €1.16M | €1.01M | €1.21M | €1.35M | ▲ 12.4% |
| Fixed assets21/28 | €205k | €144k | €123k | €185k | €206k | ▲ 11.5% |
| Intangible fixed assets21 | €29k | €6k | €3k | €928 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €176k | €138k | €120k | €184k | €206k | ▲ 12.1% |
| Plant, machinery and equipment23 | €10k | €13k | €22k | €25k | €21k | ▼ 17.8% |
| Furniture and vehicles24 | €41k | €31k | €21k | €88k | €127k | ▲ 43.9% |
| Other tangible fixed assets26 | €125k | €94k | €77k | €71k | €59k | ▼ 16.9% |
| Current assets29/58 | €977k | €1.01M | €891k | €1.02M | €1.15M | ▲ 12.5% |
| Amounts receivable within one year40/41 | €825k | €789k | €642k | €660k | €649k | ▼ 1.7% |
| Trade receivables40 | €824k | €777k | €634k | €660k | €648k | ▼ 1.8% |
| Other amounts receivable41 | €1k | €12k | €9k | €525 | €1k | ▲ 94.9% |
| Cash at bank and in hand54/58 | €131k | €198k | €238k | €345k | €475k | ▲ 38.0% |
| Deferred charges and accrued income490/1 | €20k | €26k | €11k | €16k | €24k | ▲ 48.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.18M | €1.16M | €1.01M | €1.21M | €1.35M | ▲ 12.4% |
| Equity10/15 | €388k | €388k | €388k | €388k | €391k | ▲ 1.0% |
| Contributions10/11 | €100k | €100k | €100k | €100k | €100k | = |
| Reserves13 | €288k | €288k | €288k | €288k | €291k | ▲ 1.3% |
| Non-distributable reserves130/1 | €10k | €10k | €0 | - | - | - |
| Reserves not available under the articles1311 | €10k | €10k | €0 | - | - | - |
| Distributable reserves133 | €278k | €278k | €288k | €288k | €291k | ▲ 1.3% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €794k | €770k | €627k | €818k | €963k | ▲ 17.7% |
| Amounts payable after more than one year17 | €31k | €40k | €0 | €24k | €40k | ▲ 66.4% |
| Financial debts170/4 | €31k | €40k | €0 | €24k | €40k | ▲ 66.4% |
| Amounts payable within one year42/48 | €551k | €730k | €626k | €794k | €923k | ▲ 16.3% |
| Current portion of amounts payable after more than one year42 | €66k | €89k | €52k | €24k | €31k | ▲ 28.5% |
| Trade debts44 | €146k | €372k | €258k | €258k | €285k | ▲ 10.6% |
| Suppliers440/4 | €146k | €372k | €258k | €258k | €285k | ▲ 10.6% |
| Taxes, remuneration and social security45 | €179k | €116k | €143k | €160k | €198k | ▲ 24.2% |
| Taxes450/3 | €135k | €76k | €102k | €117k | €139k | ▲ 19.1% |
| Remuneration and social security454/9 | €44k | €41k | €41k | €43k | €59k | ▲ 37.9% |
| Other amounts payable47/48 | €161k | €152k | €174k | €352k | €409k | ▲ 16.0% |
| Accrued charges and deferred income492/3 | €211k | €0 | €186 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €108k | €125k | €174k | €252k | €369k | ▲ 46.2% |
| + Depreciation and write-downs630 | €151k | €75k | €37k | €46k | €63k | ▲ 38.7% |
| Operating cash flow (approximation) | €259k | €200k | €211k | €298k | €432k | ▲ 45.0% |
| Investment in fixed assets (approximation) | - | €-15k | €-16k | €-107k | €-85k | ▲ 21.2% |
| Change in cash | - | €67k | €40k | €106k | €131k | ▲ 23.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €369k ▲46.2%
Operating result €501k, net result €369k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 34 days late
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oostende · 2 establishment units since 2012
Ground area
503 m²
Building footprint
396 m²
Volume, LiDAR
5,129 m³
2 parcels, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
LUUM Interiors
since 20122.209.450.261
LUUM Interiors
since 20202.271.917.865
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0311/00F022 | Flanders | 419 m² | 1 · 396 m² | 15.3 m · 4 fl. |
| 44432C1142/00T011 | Flanders | 83 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 8,095 EUR awarded · 4,695 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 184 EUR | 364 EUR |
| 2024 | 1 | 1,086 EUR | 906 EUR |
| 2023 | 1 | 2,139 EUR | 2,489 EUR |
| 2022 | 1 | 4,686 EUR | 936 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 4,364 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-04-2012
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
71112Activities of interior architects
Scores and ratios are computed by Checked and are not a credit decision.