Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LUMA FINANCE from Brugge, company number BE0732757893, closed financial year 2025 with a result of € 158,902 after tax. For that financial year LUMA FINANCE recorded a gross margin of € 287,909 and equity of € 199,913. Compared with financial year 2024, the result moved from € 153,821 to € 158,902. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 14, 2026.
€ 199,913
▼ 43% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 158,902
▲ 3% vs 2024
Profit after tax over the fiscal year.
€ 125,968
▲ 47% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 312,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 70,251
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 419,930
▼ 25% vs 2024
€ 130,632 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 893
▼ 76% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,984
▼ 11% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 222,019 | € 228,142 | € 285,725 | € 287,909 | ▲ 1% |
| Profit after taxes | € 133,908 | € 148,960 | € 153,821 | € 158,902 | ▲ 3% |
| Equity | € 333,097 | € 199,189 | € 353,010 | € 199,913 | ▼ 43% |
| Total debts | € 1,022,171 | € 1,154,433 | € 1,037,298 | € 1,196,929 | ▲ 15% |
| Cash | € 211,382 | € 84,279 | € 85,829 | € 125,968 | ▲ 47% |
| Land & buildings | € 182,150 | € 327,201 | € 314,924 | € 303,740 | ▼ 4% |
| Retained profit | € 314,497 | € 180,589 | € 334,410 | € 181,313 | ▼ 46% |
| Dividend | € 0 | € 282,868 | € 0 | € 312,000 | |
| Bank debt | € 713,567 | € 613,959 | € 560,653 | € 419,930 | ▼ 25% |
| Balance sheet total | € 1,355,268 | € 1,353,623 | € 1,390,308 | € 1,396,842 |
Key figures of LUMA FINANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to LUMA FINANCE?
What happened at LUMA FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 158,902 (▲ 3% vs 2024). Source: NBB ↗
- New establishment in Brugge. KBO
- Start of the company according to the CBE. KBO
- Thomas Blanckaert became a director. NBB
In short
From € 133,908 profit in 2022 to € 158,902 profit in 2025.
Paid € 219,839 in corporate taxes since 2022.
Best year ever: 2025, with € 158,902 profit.
Paid out € 594,868 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind LUMA FINANCE is Thomas Blanckaert. It owns 50% of Verzekeringen Vosters itself.
Directors
According to the 2025 annual accounts
since 2019
Establishments
Establishment units
Physical locations of this company
Komvest 34B box 2
8000 Brugge
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0732.757.893
- VAT number
- BE 0732.757.893
- Registered office
- Komvest 34B bus 2, 8000 Brugge
- Names & denominations
- LUMA FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 August 2019
- Peppol
- Active · Active since 22 May 2025
- Activities · NACE
Activiteiten van holdings
Holdings