LUMICOM
ActiveLUMICOM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €-27k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 19% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-69
Solvency42▼-5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.72 against 1.18 in 2024; short-term debt: 22.5% and cash: 2.1% of total assets), and 82.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.3%
Return on assets
-8.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27559 sector peers (2025).
NBB · sector comparisonPosition among 27559 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
8 d early
2023
12 d early
2022
on the day
2021
30 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▼ 32.9%
2024 · €82k
2018: €-310k
2019: €-324k
2020: €-292k
2021: €-295k
2022: €-261k
2023: €33k
2024: €82k
2018 → 2025
Total assets
€317k▼ 15.3%
2024 · €374k
2018: €490k
2019: €454k
2020: €448k
2021: €446k
2022: €438k
2023: €356k
2024: €374k
2018 → 2025
Net result
€-27k
2024 · €48k
2018: €-7k
2019: €-14k
2020: €31k
2021: €-2k
2022: €34k
2023: €44k
2024: €48k
2018 → 2025
Working capital
€-20k
2024 · €13k
2018: €-72k
2019: €-74k
2020: €-26k
2021: €-14k
2022: €18k
2023: €-25k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-295k-€-261k▲ 11.6%€33k€82k▲ 144%€55k▼ 32.9%
Operating result€18k-€55k▲ 205%€62k▲ 11.4%€63k▲ 1.6%€-37k
Net result€-2k-€34k€44k▲ 28.3%€48k▲ 9.5%€-27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €37k after €63k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€266k▼ 9.4%
Current assets
€52k▼ 36.5%
Equity and liabilities €317k
Equity
€55k▼ 32.9%
Debt
€262k▼ 10.3%
The debt ratio rises from 78.2% to 82.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €108k
Cash flow
€26k▼
2024 · €94k
Solvency
17.3%▼
2024 · 21.8%
Current ratio
0.72▼
2024 · 1.18
Quick ratio
0.72▼
2024 · 1.18
Debt / equity
4.79▲
2024 · 3.59
ROE
-49.1%▼
2024 · 59.0%
ROA
-8.5%▼
2024 · 12.9%
Interest coverage
0.97▼
2024 · 7.50
Debt
€262k▼
2024 · €293k
Debt ≤ 1 year
€71k▲
2024 · €69k
Debt > 1 year
€191k▼
2024 · €224k
Income taxes
€1k▲
2024 · €97
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€374k€317k▼
Fixed assets21/28€293k€266k▼
Tangible fixed assets22/27€293k€266k▼
Land and buildings22€259k€224k▼
Plant, machinery and equipment23€34k€41k▲
Furniture and vehicles24-€523
Current assets29/58€81k€52k▼
Amounts receivable within one year40/41€60k€43k▼
Trade receivables40€59k€36k▼
Other amounts receivable41€1k€7k▲
Cash at bank and in hand54/58€21k€7k▼
Deferred charges and accrued income490/1€46€2k▲
Equity and liabilities
Total equity and liabilities10/49€374k€317k▼
Equity10/15€82k€55k▼
Contributions10/11€269k€269k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€-208k€-234k▼
Amounts payable17/49€293k€262k▼
Amounts payable after more than one year17€224k€191k▼
Financial debts170/4€224k€191k▼
Amounts payable within one year42/48€69k€71k▲
Current portion of amounts payable after more than one year42€32k€34k▲
Trade debts44€19k€4k▼
Suppliers440/4€19k€4k▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€577€7k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€15k€27k▲
Accrued charges and deferred income492/3-€558
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€52k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€109k€17k▼
Operating profit (loss)9901€63k€-37k▼
Financial income75/76B€25€27k▲
Recurring financial income75€25€27k▲
Financial charges65/66B€14k€16k▲
Recurring financial charges65€14k€16k▲
Profit (loss) for the period before taxes9903€48k€-26k▼
Income taxes67/77€97€1k▲
Profit (loss) for the period9904€48k€-27k▼
Profit (loss) for the period to be appropriated9905€48k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-208k€-234k▼
Profit (loss) brought forward from the previous period14P€-256k€-208k▲
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-27k ▼156%
Net result drops to €-27k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €48k ▲9.5%
Operating result €63k, net result €48k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Scherpenheuvel-Zichem · 1 establishment unit 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.
Amerstraat 393272 Scherpenheuvel-ZichemGround area
2,034 m²
Building footprint
496 m²
Volume, LiDAR
2,372 m³
Parcel 24071A0326/00H000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUMICOM
since 20092.178.859.431
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24071A0326/00H000 | Flanders | 2,034 m² | 1 · 496 m² | 8.2 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 5 entries · 1,880 EUR awarded · 1,880 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 3 | 512 EUR | 1,562 EUR |
| 2022 | 2 | 1,368 EUR | 318 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidie voor controlekosten voor de biologische landbouw
Hectaresteun voor de toepassing van de biologische productiemethode
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Of 22,822 companies in sector 43211 we hold annual accounts for 10,326. 8,630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2009
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
01410Raising of dairy cattle
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@dehoef.com
Phone:0471/86.64.12