Lumanco
ActiveLumanco has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €749k and a net result of €161k. Equity is growing by ~44.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 4.33 against 4.42 in 2024; short-term debt: 14.3% and cash: 54.5% of total assets), and 25% 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 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
75%
Return on assets
16.1%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
12 d early
2022
22 d early
2021
18 d early
2020
3 d early
2019
17 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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€749k▲ 26.7%
2024 · €591k
2019: €93k
2020: €121k
2021: €158k
2022: €179k
2023: €448k
2024: €591k
2019 → 2025
Total assets
€998k▲ 28.2%
2024 · €779k
2019: €159k
2020: €164k
2021: €306k
2022: €454k
2023: €656k
2024: €779k
2019 → 2025
Net result
€161k▲ 12.0%
2024 · €143k
2019: €14k
2020: €28k
2021: €37k
2022: €21k
2023: €269k
2024: €143k
2019 → 2025
Working capital
€477k▲ 24.8%
2024 · €382k
2019: €45k
2020: €51k
2021: €81k
2022: €26k
2023: €274k
2024: €382k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€179k▲ 13.2%€448k▲ 151%€591k▲ 32.0%€749k▲ 26.7%
Operating result€60k-€32k▼ 46.7%€310k▲ 874%€288k▼ 7.1%€255k▼ 11.7%
Net result€37k-€21k▼ 43.7%€269k▲ 1,193%€143k▼ 46.8%€161k▲ 12.0%
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 has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €998k
Fixed assets
€378k▲ 32.8%
Current assets
€620k▲ 25.5%
Equity and liabilities €998k
Equity
€749k▲ 26.7%
Debt
€249k▲ 32.8%
The debt ratio rises from 24.1% to 25.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€305k▼
2024 · €330k
Cash flow
€211k▲
2024 · €185k
Solvency
75.0%▼
2024 · 75.9%
Current ratio
4.33▼
2024 · 4.42
Quick ratio
4.33▼
2024 · 4.42
Debt / equity
0.33▲
2024 · 0.32
ROE
21.4%▼
2024 · 24.2%
ROA
16.1%▼
2024 · 18.4%
Interest coverage
29.24▼
2024 · 58.19
Debt
€249k▲
2024 · €188k
Debt ≤ 1 year
€143k▲
2024 · €112k
Debt > 1 year
€78k▲
2024 · €60k
Income taxes
€89k▼
2024 · €149k
Staff costs
€96k
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€779k€998k▲
Fixed assets21/28€285k€378k▲
Tangible fixed assets22/27€278k€371k▲
Land and buildings22-€81k
Plant, machinery and equipment23€22k€24k▲
Furniture and vehicles24€15k€26k▲
Other tangible fixed assets26€240k€239k▼
Financial fixed assets28€7k€7k=
Current assets29/58€494k€620k▲
Amounts receivable after more than one year29€28k-
Other amounts receivable291€28k-
Amounts receivable within one year40/41€61k€29k▼
Trade receivables40€46k€29k▼
Other amounts receivable41€15k-
Current investments50/53€90k€31k▼
Cash at bank and in hand54/58€304k€545k▲
Deferred charges and accrued income490/1€12k€16k▲
Equity and liabilities
Total equity and liabilities10/49€779k€998k▲
Equity10/15€591k€749k▲
Contributions10/11€17k€17k=
Reserves13€574k€732k▲
Tax-exempt reserves132€52k€52k=
Distributable reserves133€522k€680k▲
Amounts payable17/49€188k€249k▲
Amounts payable after more than one year17€60k€78k▲
Financial debts170/4€43k€59k▲
Other amounts payable178/9€18k€19k▲
Amounts payable within one year42/48€112k€143k▲
Current portion of amounts payable after more than one year42€34k€41k▲
Financial debts43€50k€50k=
Credit institutions430/8€50k€50k=
Trade debts44€13k€19k▲
Suppliers440/4€13k€19k▲
Taxes, remuneration and social security45€14k€28k▲
Taxes450/3€14k€17k▲
Remuneration and social security454/9-€12k
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€16k€28k▲
Income statement
Code20242025
Non-recurring operating income76A€29k-
Remuneration, social security and pensions62-€96k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€51k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€331k€402k▲
Operating profit (loss)9901€288k€255k▼
Financial income75/76B€10k€6k▼
Recurring financial income75€10k€6k▼
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Profit (loss) for the period before taxes9903€293k€250k▼
Income taxes67/77€149k€89k▼
Profit (loss) for the period9904€143k€161k▲
Profit (loss) for the period to be appropriated9905€143k€161k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€161k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€145k€158k▲
To contributions691€2k-
To other reserves6921€143k€158k▲
Profit to be distributed694/7-€3k
Return on contributions (dividend)694-€3k
Social balance
Average headcount (FTE)9087-1.5
The notes to these accounts (9 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Equity above €500kEq €591k ▲32%
6 profitable years in a row build equity to €591k.
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €269k ▲1193%
Operating result €310k, net result €269k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 3.78
Current ratio from 1.18 to 3.78; short-term debt falls from €145k to €99k.
30-06
Financial
Equity above €200kEq €448k ▲151%
5 profitable years in a row build equity to €448k.
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €158k ▲30.6%
3 profitable years in a row build equity to €158k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €121k ▲29.9%
2 profitable years in a row build equity to €121k.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
27-12
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.
Directors · office · real estate
Directors
1 act for this company is 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, Mortsel · 2 establishment units since 2009
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.
Singel 602640 MortselGround area
1,675 m²
Building footprint
439 m²
Volume, LiDAR
3,191 m³
2 parcels, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Singel 60, 2640 Mortsel
since 20092.175.707.426
Edmond Thieffrylaan 94, 2640 Mortsel
since 20092.195.365.069
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0129/00K007 | Flanders | 1,442 m² | 1 · 329 m² | 13.5 m · 3 fl. |
| 11513C0130/00R000 | Flanders | 233 m² | 1 · 109 m² | 11.3 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 3,154,340 EUR awarded · 3,163,673 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 834,423 EUR | 843,756 EUR |
| 2024 | 2 | 873,892 EUR | 873,892 EUR |
| 2023 | 3 | 757,364 EUR | 757,364 EUR |
| 2022 | 2 | 688,661 EUR | 688,661 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Care and welfare
3 services · 1 liveTam Tam Club
't Nest
De Stampertjes
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Of 1,590 companies in sector 88911 we hold annual accounts for 707. 449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2009
Fiscal year end30-06
Activities, NACEBEL
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.