Financials
- Fiscal year
- 2024
- Total assets
- €4.4m
- Loss
- -€119,405
- Solvency
- 32.2%
Total assets▼ 4.8%
Net result
20182024
LUMAR
ActiveSummary
LUMAR has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.4m and a net result of -€119,405. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 51% of 4852 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Overview
Activity
Real estate agency activities
NACE 68310Real estate development NACE 41101Development of residential building projects NACE 68121
1 site
Size
€4.4mtotal assets 2024
- Staff
- 0.5 FTE
- Equity
- €1.4m
- Loss
- -€119,405
Structure
- Parent
- ATMOS INVESTMENT · 99.99%
- Board
- 1 member
- Holdings
- 2
Accounts 65 d overdue3 of 13 deeds read
Why 64- Figures for FY 2024 (filed 12-08-2025)- Liquidity: current ratio 0.72, cash €556, halved+ Founded in 1988+ Size: 0.5 FTE, total assets €4.4mShow the evidence
Checked score
Score 2024
64
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 31% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
57-1
equity 32.2% of total assets
Liquidity
30-1
short-term debt 42.7% · cash 0.0%
Profitability
20-18
return on assets -2.7%
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%lowest value
12-2024: 0.1%● 0.0% vs 11-2024lowest value
01-2025: 0.1%● 0.0% vs 12-2024lowest value
02-2025: 0.1%● 0.0% vs 01-2025lowest value
03-2025: 0.1%▲ +5.6% vs 02-2025
04-2025: 0.1%▲ +7.4% vs 03-2025
05-2025: 0.1%▲ +6.9% vs 04-2025
06-2025: 0.1%▲ +20.4% vs 05-2025
07-2025: 0.2%▲ +42.3% vs 06-2025
08-2025: 0.4%▲ +94.6% vs 07-2025
09-2025: 0.2%▼ -42.2% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%● 0.0% vs 12-2025
02-2026: 0.2%● 0.0% vs 01-2026
03-2026: 0.2%▲ +1.4% vs 02-2026
04-2026: 0.2%▲ +6.6% vs 03-2026
05-2026: 0.2%▲ +3.6% vs 04-2026
06-2026: 0.2%▲ +3.9% vs 05-2026
07-2026: 0.2%▲ +2.1% vs 06-2026
08-2026: 0.6%▲ +130% vs 07-2026
09-2026: 0.8%▲ +33.3% vs 08-2026
10-2026: 1.3%▲ +65.1% vs 09-2026highest value
- Figures for FY 2024 (filed 12-08-2025) raises the probability
- Liquidity: current ratio 0.72, cash €556, halved raises the probability
- Founded in 1988 lowers the probability for this profile
- Size: 0.5 FTE, total assets €4.4m lowers the probability for this profile
Credit up to €90,000 at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.81 in 2023; short-term debt: 42.7% and cash: 0% of total assets), and 67.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 51%, liquidity 22%, profitability 21%, growth against the median 30%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€119,405
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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
not confirmed
2024
12 d late
2023
6 d early
2022
4 d early
2021
21 d late
2020
19 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
- Resignations: Ophélie Sonneville (director) and Victorien…Appointment: J.S. IMMO srl (director)…
- Capital & shares · Resignations &…Merger · Power of attorney…
- RestructuringMerger · Shareholding · Name…
Key points
- Caution: Result fell in 2024from -€4,520 to -€119,405 ▼ 2,542% View
- Caution: Board changedlatest change 08-09-2026 · 1 in office 1 joined · 2 left View
- Caution: Among the weakest 16% on net resultsector median €10,890 · 4,865 companies -€119,405 View
- Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
- Controlled by ATMOS INVESTMENTitself parent of 2 companies 99.99% View
- Merger with OSIRIS VENTUREmerger on 01-01-2026 2026 View
- Caution: 2 loss-making years in a rowloss fiscal year 2024 -€119,405 View
By topic
Board & ownership
- Board
- 1 member
- Parent
- ATMOS INVESTMENT · 99.99%
Go to Board & ownership
Network & group
- Subsidiaries
- 2
- Mergers and contributions
- 1
2 subsidiaries
Timeline
- Events
- 16
- Since
- 2016
- 08-09-2026Resignations: Ophélie Sonneville (director) and Victorien Sonneville…
- 19-06-2026Capital & shares · Resignations & appointments…
- 05-05-2026Restructuring
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Real estate agency activitiesNACE 68310
- Founded
- 14-09-1988
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 2
See the provisions in the deeds
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