Pro Lumen
ActivePro Lumen has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €420k and a net result of €34k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+4
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 25.07 in 2024; short-term debt: 7.2% and cash: 32.5% of total assets), and 7.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
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
92.8%
Return on assets
7.5%
Age of the figures
15 mo
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 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
17 d early
2023
41 d early
2022
39 d early
2021
12 d early
2020
5 d early
2019
2 d early
← before the deadline
after the deadline →
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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€420k▼ 3.7%
2024 · €436k
2019: €536k
2020: €576k
2021: €636k
2022: €597k
2023: €446k
2024: €436k
2019 → 2025
Total assets
€452k▲ 1.7%
2024 · €445k
2019: €578k
2020: €615k
2021: €666k
2022: €602k
2023: €446k
2024: €445k
2019 → 2025
Net result
€34k▲ 69.3%
2024 · €20k
2019: €93k
2020: €34k
2021: €66k
2022: €-39k
2023: €-484
2024: €20k
2019 → 2025
Working capital
€130k▼ 41.6%
2024 · €223k
2019: €479k
2020: €448k
2021: €427k
2022: €362k
2023: €120k
2024: €223k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€636k-€597k▼ 6.1%€446k▼ 25.4%€436k▼ 2.2%€420k▼ 3.7%
Operating result€101k-€-38k€580€29k▲ 4,942%€49k▲ 66.6%
Net result€66k-€-39k€-484▲ 98.8%€20k€34k▲ 69.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 67% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €452k
Fixed assets
€289k▲ 36.1%
Current assets
€163k▼ 29.8%
Equity and liabilities €452k
Equity
€420k▼ 3.7%
Debt
€33k▲ 254%
The debt ratio rises from 2.1% to 7.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60k▲
2024 · €41k
Cash flow
€46k▲
2024 · €31k
Solvency
92.8%▼
2024 · 97.9%
Current ratio
4.98▼
2024 · 25.07
Quick ratio
4.98▼
2024 · 25.07
Debt / equity
0.08▲
2024 · 0.02
ROE
8.1%▲
2024 · 4.6%
ROA
7.5%▲
2024 · 4.5%
Interest coverage
103.99▲
2024 · 6.08
Debt
€33k▲
2024 · €9k
Debt ≤ 1 year
€33k▲
2024 · €9k
Income taxes
€14k▲
2024 · €3k
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€445k€452k▲
Fixed assets21/28€213k€289k▲
Tangible fixed assets22/27€212k€289k▲
Land and buildings22€177k€173k▼
Plant, machinery and equipment23€8k€3k▼
Furniture and vehicles24€25k€112k▲
Other tangible fixed assets26€2k€2k▲
Financial fixed assets28€230€230=
Current assets29/58€232k€163k▼
Amounts receivable within one year40/41€23€13k▲
Trade receivables40€23€13k▲
Cash at bank and in hand54/58€229k€147k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€445k€452k▲
Equity10/15€436k€420k▼
Contributions10/11€12k€12k=
Reserves13€438k€407k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€437k€405k▼
Profit (loss) carried forward14€-15k€9▲
Amounts payable17/49€9k€33k▲
Amounts payable within one year42/48€9k€33k▲
Trade debts44€64€1k▲
Suppliers440/4€64€1k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€8k€29k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€42k€62k▲
Operating profit (loss)9901€29k€49k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€7k€581▼
Recurring financial charges65€7k€581▼
Profit (loss) for the period before taxes9903€23k€48k▲
Income taxes67/77€3k€14k▲
Profit (loss) for the period9904€20k€34k▲
Profit (loss) for the period to be appropriated9905€20k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€19k▲
Profit (loss) brought forward from the previous period14P€-35k€-15k▲
Transfer from equity791/2€30k€50k▲
Transfer to equity691/2-€19k
To other reserves6921-€19k
Profit to be distributed694/7€30k€50k▲
Return on contributions (dividend)694€30k€50k▲
The notes to these accounts (10 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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €-39k ▼159%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 5current ratio 78.64
Current ratio from 15.40 to 78.64; short-term debt falls from €30k to €5k.
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Fernelmont · 1 establishment unit since 1999
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 Hanret, C.-W. 235380 FernelmontGround area
24 m²
Building footprint
48 m²
Parcel 92027B0054/00S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Hanret, C.-W. 23, 5380 Fernelmont
since 19992.228.597.962
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92027B0054/00S000 | Wallonia | 24 m² | 1 · 48 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
6994001APN7DRW5TST64
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DOCTEUR DE GRAEVE Cédric
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Dokter D. Christiaens
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Ithaka
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Antwerpen · Eq €420k
Of 16,623 companies in sector 86220 we hold annual accounts for 7,972. 6,544 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-1999
Fiscal year end30-06
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:peters.weber@skynet.be
Phone:02/268.68.75