LUMO architecten
ActiveLUMO architecten has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €286k and a net result of €157k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency70▼-18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 3.05 in 2024; short-term debt: 33.3% and cash: 2.4% of total assets), but 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
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
44.7%
Return on assets
24.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
22 d late
2024
29 d late
2023
61 d late
2022
28 d late
2021
30 d late
2020
2 d early
2019
60 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€286k▲ 54.4%
2024 · €185k
2018: €36k
2019: €43k
2020: €56k
2021: €60k
2022: €83k
2023: €110k
2024: €185k
2018 → 2025
Total assets
€638k▲ 117%
2024 · €294k
2018: €278k
2019: €257k
2020: €201k
2021: €209k
2022: €283k
2023: €269k
2024: €294k
2018 → 2025
Net result
€157k▲ 28.9%
2024 · €122k
2018: €3k
2019: €8k
2020: €13k
2021: €4k
2022: €23k
2023: €27k
2024: €122k
2018 → 2025
Working capital
€133k▼ 11.4%
2024 · €151k
2018: €1k
2019: €11k
2020: €20k
2021: €32k
2022: €61k
2023: €83k
2024: €151k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€83k▲ 38.3%€110k▲ 33.2%€185k▲ 67.9%€286k▲ 54.4%
Operating result€15k-€45k▲ 203%€42k▼ 6.6%€177k▲ 324%€214k▲ 21.0%
Net result€4k-€23k▲ 497%€27k▲ 19.9%€122k▲ 343%€157k▲ 28.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €638k
Fixed assets
€293k▲ 319%
Current assets
€346k▲ 54.4%
Equity and liabilities €638k
Equity
€286k▲ 54.4%
Debt
€353k▲ 224%
The debt ratio rises from 37.0% to 55.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€238k▲
2024 · €190k
Cash flow
€181k▲
2024 · €135k
Solvency
44.7%▼
2024 · 63.0%
Current ratio
1.63▼
2024 · 3.05
Quick ratio
1.63▼
2024 · 1.72
Debt / equity
1.23▲
2024 · 0.59
ROE
54.9%▼
2024 · 65.7%
ROA
24.6%▼
2024 · 41.4%
Interest coverage
22.75▲
2024 · 17.77
Debt
€353k▲
2024 · €109k
Debt ≤ 1 year
€213k▲
2024 · €73k
Debt > 1 year
€130k▲
2024 · €35k
Income taxes
€47k▲
2024 · €45k
Staff costs
€37k▲
2024 · €7k
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€294k€638k▲
Fixed assets21/28€70k€293k▲
Tangible fixed assets22/27€70k€293k▲
Land and buildings22€52k€273k▲
Plant, machinery and equipment23€10k€6k▼
Furniture and vehicles24€8k€14k▲
Current assets29/58€224k€346k▲
Stocks and contracts in progress3€97k-
Contracts in progress37€97k-
Amounts receivable within one year40/41€123k€316k▲
Trade receivables40€59k€79k▲
Other amounts receivable41€63k€237k▲
Cash at bank and in hand54/58-€16k
Deferred charges and accrued income490/1€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€294k€638k▲
Equity10/15€185k€286k▲
Contributions10/11€16k€16k=
Reserves13€116k€176k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€114k€174k▲
Profit (loss) carried forward14€53k€94k▲
Amounts payable17/49€109k€353k▲
Amounts payable after more than one year17€35k€130k▲
Financial debts170/4€35k€130k▲
Amounts payable within one year42/48€73k€213k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43€18k-
Credit institutions430/8€18k-
Trade debts44€23k€92k▲
Suppliers440/4€23k€92k▲
Taxes, remuneration and social security45€13k€81k▲
Taxes450/3€10k€81k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€7k€25k▲
Accrued charges and deferred income492/3€446€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€24k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€200k€279k▲
Operating profit (loss)9901€177k€214k▲
Financial income75/76B€30€378▲
Recurring financial income75€30€378▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€166k€204k▲
Income taxes67/77€45k€47k▲
Profit (loss) for the period9904€122k€157k▲
Profit (loss) for the period to be appropriated9905€122k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€160k€210k▲
Profit (loss) brought forward from the previous period14P€39k€53k▲
Transfer to equity691/2€60k€60k=
To other reserves6921€60k€60k=
Profit to be distributed694/7€47k€56k▲
Return on contributions (dividend)694€47k€56k▲
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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
23-03
State Gazette act
Registered officeRegistered-office move1 fact ▸
State Gazette act
Registered office
Registered-office move1 fact ▸
- Registered-office move, Baggenstraat 1 bus 1, 2140 Antwerpen
2025
31-12
Financial
Highest result since 2018net €157k ▲28.9%
Operating result €214k, net result €157k, both a record.
31-12
Financial
Equity above €200kEq €286k ▲54.4%
8 profitable years in a row build equity to €286k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €185k ▲67.9%
7 profitable years in a row build equity to €185k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €100kEq €110k ▲33.2%
6 profitable years in a row build equity to €110k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
16-03-2020
Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2007
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.
Baggenstraat 12140 AntwerpenGround area
267 m²
Building footprint
160 m²
Parcel 11313B1078/00X003, Flanders. Linked by address, not a title deed.
1 establishment unit
LUMO architecten BV
since 20072.182.489.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11313B1078/00X003 | Flanders | 267 m² | 1 · 160 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 2,955 EUR awarded · 2,955 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,480 EUR | 2,480 EUR |
| 2023 | 1 | 62 EUR | 62 EUR |
| 2022 | 1 | 413 EUR | 413 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Fautor.
BE 0774.437.706
Antwerpen · Eq €285k
MOENS - DELWART Bureau d'Architectes
BE 0471.668.339
Mont-Saint-Guibert · Eq €285k
ABRA
BE 0869.498.892
Schoten · Eq €285k
ARCHITECTENBUREAU MOONS EN COUNE - Architectenvennootschap
BE 0461.638.242
Houthalen-Helchteren · Eq €285k
CASAGRANDE
BE 0676.535.606
Asse · Eq €286k
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 4,767 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2007
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.