LUMANIGA
ActiveSummary
LUMANIGA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €271k and a net result of €70k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 8093 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▲+5
Solvency60▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.54 in 2023; short-term debt: 19% and cash: 2.5% of total assets), and 65.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
21 d early
2022
41 d early
2021
73 d late
2020
72 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€70k▲ 76.0%
2023 · €40k
2018: €41k
2019: €46k
2020: €29k
2021: €34k
2022: €-22k
2023: €40k
2018 → 2024
Working capital
€-13k▲ 84.5%
2023 · €-81k
2018: €42k
2019: €50k
2020: €42k
2021: €50k
2022: €5k
2023: €-81k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€148k-€182k▲ 22.6%€160k▼ 11.9%€200k▲ 24.9%€271k▲ 35.1%
Operating result€40k-€5k▼ 88.4%€-36k€61k€130k▲ 113%
Net result€29k-€34k▲ 14.7%€-22k€40k€70k▲ 76.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 113% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €777k
Fixed assets
€642k ▼ 2.0%
Current assets
€135k ▲ 42.7%
Equity and liabilities €777k
Equity
€271k ▲ 35.1%
Debt
€507k ▼ 7.9%
Debt's share of the balance-sheet total falls from 73.3% to 65.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€144k▲
2023 · €135k
Cash flow
€84k▼
2023 · €114k
Current ratio
0.91▲
2023 · 0.54
Debt to equity
1.87▼
2023 · 2.75
ROE
26.0%▲
2023 · 20.0%
ROA
9.0%▲
2023 · 5.3%
Interest coverage
8.64▼
2023 · 8.85
Debt ≤ 1 year
€148k▼
2023 · €176k
Debt > 1 year
€359k▼
2023 · €374k
Income taxes
€43k▲
2023 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€750k€777k▲
Fixed assets21/28€655k€642k▼
Tangible fixed assets22/27€505k€491k▼
Land and buildings22€502k€489k▼
Plant, machinery and equipment23€804€458▼
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€151k€151k=
Current assets29/58€95k€135k▲
Amounts receivable within one year40/41€74k€109k▲
Trade receivables40€74k€109k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€19k€19k▲
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€750k€777k▲
Equity10/15€200k€271k▲
Contributions10/11€6k€6k=
Reserves13€2k€72k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€70k
Profit (loss) carried forward14€192k€192k=
Amounts payable17/49€550k€507k▼
Amounts payable after more than one year17€374k€359k▼
Financial debts170/4€374k€359k▼
Amounts payable within one year42/48€176k€148k▼
Current portion of amounts payable after more than one year42€16k€15k▼
Trade debts44€20k€25k▲
Suppliers440/4€20k€25k▲
Taxes, remuneration and social security45€21k€65k▲
Taxes450/3€21k€65k▲
Other amounts payable47/48€119k€43k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€14k▼
Other operating charges640/8€5k€2k▼
Gross operating margin9900€140k€146k▲
Operating profit (loss)9901€61k€130k▲
Financial income75/76B€3k€21▼
Recurring financial income75€3k€21▼
Financial charges65/66B€15k€17k▲
Recurring financial charges65€15k€17k▲
Profit (loss) for the period before taxes9903€49k€113k▲
Income taxes67/77€9k€43k▲
Profit (loss) for the period9904€40k€70k▲
Profit (loss) for the period to be appropriated9905€40k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€192k€262k▲
Profit (loss) brought forward from the previous period14P€152k€192k▲
Transfer to equity691/2-€70k
To other reserves6921-€70k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
03-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Auditor appointment
2024
31-12
Financial
Highest result since 2018net €70k ▲76%
Operating result €130k, net result €70k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
11-01
State Gazette act
General meeting · Director appointment
Permanent representative
2023
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
31-12
Financial
Equity above €200kEq €200k ▲24.9%
Equity rises from €160k to €200k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-22k ▼164%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 73 days late
2021
31-12
Financial
Equity above €150kEq €182k ▲22.6%
4 profitable years in a row build equity to €182k.
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 72 days late
Show earlier events
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB 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, Zaventem · 1 establishment unit since 2012
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.
Konijnenstraat 2A1930 ZaventemGround area
748 m²
Building footprint
155 m²
Volume, LiDAR
648 m³
2 parcels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LUMANIGA
since 20122.211.083.920
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0274/00N002 | Flanders | 409 m² | 1 · 75 m² | 10.9 m · 3 fl. |
| 23772C0274/00P002 | Flanders | 339 m² | 1 · 80 m² | - |
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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,622 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2012
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46190Agents in non-specialised wholesale trade
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.