Active BE 0823.648.378Private limited company

LUCOMA

Rue du Neufmoulin 2 ·4550 Nandrin, Belgium· 16 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

LUCOMA 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 €1.36M and a net result of €199k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 52% of 5424 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€1.36M
Net result	€199k
Better than sector	52%
Active	16 yrs

Financial profile 4 of 5 axes measured · computed by Checked

78 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 73

Solvency 63

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2010, 16 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

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.

Financial overview15 NBB filings

Annual accounts filed on 29-08-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~10.8%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	54.1%	51.8%	better than 52% of 5424 sector peers
Net result	€199k	€53k	better than 76% of 5425 sector peers
Equity	€1.36M	€622k	better than 68% of 5425 sector peers
Gross operating margin	€159k	€87k	better than 67% of 5421 sector peers
Employees (FTE)	0.0	0.0	better than 32% of 1853 sector peers

Net profit

€199k

+85.5% 20-25

Total assets

€2.51M

-0.3% 20-25

Equity

€1.36M

+17.2% 20-25

Employees (FTE)

0

- 20-25

Income taxes

€38k

+7.2% 20-25

Dividends

€38k

-16.7% 20-25

Debt

€1.15M

-15.2% 20-25

Debt ≤ 1y

€824k

-8.7% 20-25

Debt > 1y

€288k

-30.2% 20-25

Solvency

54.1%

+17.5% 20-25

ROE

14.7%

+58.3% 20-25

ROA

7.9%

+86.0% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	full schema	full schema	full schema	full schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€199k	€107k	€209k	€422k	€79k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€38k	€35k	€94k	€36k	€16k
Dividends	-	-	-	-	€38k
Total assets	€2.51M	€2.52M	€2.67M	€2.67M	€914k
Equity	€1.36M	€1.16M	€1.05M	€843k	€421k
Debt	€1.15M	€1.36M	€1.62M	€1.83M	€493k
of which ≤ 1y	€824k	€903k	€1.02M	€1.05M	€144k
of which > 1y	€288k	€412k	€572k	€779k	€347k
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	0.0	0.0	-	-	-

Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	54.1%	46.1%	39.4%	31.5%	46.1%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	7.9%	4.3%	7.8%	15.8%	8.6%
ROE	14.7%	9.3%	19.8%	50.1%	18.8%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €2.36M · 93.9% Current assets €153k · 6.1%

Equity & liabilities

Equity €1.36M · 54.1% Debt €1.15M · 45.9%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.51M	€2.52M	€2.67M	€2.67M	€914k
Fixed assets	21/28	€2.36M	€2.37M	€2.38M	€2.39M	€754k
Tangible fixed assets	22/27	€72k	€84k	€96k	€108k	€121k
Financial fixed assets	28	€2.28M	€2.28M	€2.28M	€2.28M	€633k
Current assets	29/58	€153k	€148k	€287k	€283k	€159k
Amounts receivable within one year	40/41	€135k	€131k	€259k	€250k	€57k
Cash & bank	54/58	€18k	€15k	€28k	€32k	€102k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.51M	€2.52M	€2.67M	€2.67M	€914k
Equity	10/15	€1.36M	€1.16M	€1.05M	€843k	€421k
Contributions / capital	10/11	€50k	€50k	€50k	€50k	€50k
Reserves	13	€1.16M	€962k	€854k	€646k	€371k
Accumulated profits (losses)	14	€147k	€147k	€147k	€147k	€142
Amounts payable	17/49	€1.15M	€1.36M	€1.62M	€1.83M	€493k
Amounts payable after one year	17	€288k	€412k	€572k	€779k	€347k
Amounts payable within one year	42/48	€824k	€903k	€1.02M	€1.05M	€144k
Trade debts payable within one year	44	€4k	€3k	€3k	€5k	€3k
Income statement
Gross operating margin	9900	€159k	€199k	€373k	€78k	€70k
Operating result	9901	€143k	€183k	€358k	€61k	€43k
Financial income	75	€152k	€30k	€630	€423k	€71k
Financial charges	65	€58k	€71k	€56k	€26k	€19k
Result before taxes	9903	€237k	€143k	€302k	€458k	€95k
Income taxes	67/77	€38k	€35k	€94k	€36k	€16k
Net result for the period	9904	€199k	€107k	€209k	€422k	€79k
Result to be appropriated	9905	€199k	€107k	€209k	€422k	€79k

Directors & mandates 1 directors

Current directors & mandates

Christophe NAVETTE
Director
State Gazette act 22105119 (02-09-2022)

Current
25-08-2022 → present

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	04-03-2010
Status	Active
Postal code	4550

Establishment units 1 location

PHARMACIE DE LA PLACE

Place Joseph Ramoux (AMA) 1, 4540 AmayHoldings

since 20102.186.053.861

Real-estate footprint Source: CBE × cadastre

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
61069A0165/00F000	Wallonia	237 m²	1 · 240 m²	11.1 m · 3 fl.
61003A1211/00F000	Wallonia	203 m²	1 · 41 m²	-

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.

Updates 12 events

All 16Financial 4Gazette 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 29 days late

2025

18-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 18 days late

2024

28-05

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Equity above €1MEq €1.05M ▲24.8%

4 profitable years in a row build equity to €1.05M.

13-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

31-12

Financial Highest result since 2020net €422k ▲434%

Net result €422k, the highest in the series.

31-12

Financial Equity above €500kEq €843k ▲100%

3 profitable years in a row build equity to €843k.

25-10

State Gazette act Director changes

Alexandre CAEYMAEX

02-09

State Gazette act Director changes

11-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Weakest financial yearnet €79k ▼5%

Net result drops to €79k, the lowest in the series; recovery starts the following year.

01-07

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

20-08

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 20 days late

2019

09-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 9 days late

2018

23-08

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 23 days late

2017

08-06

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 3 years ago

2022

25-10-2022 Discharge granted to the board Director changes·Alexandre CAEYMAEX

Notary: Alexandre CAEYMAEX · Liège

Original publication ↗

Technical details

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02-09-2022 Christophe NAVETTE appointed as director Director changes

Christophe NAVETTE, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210Retail sale of pharmaceutical products47730Renting and operating of own or leased residential real estate, excluding social housing68201Renting and operating of own or leased non-residential real estate, excluding land68203

Names & trade names

Legal nameFR

LUCOMA

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