Fietsen Luc
ActiveFietsen Luc has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154k and a net result of €4k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+4
Solvency48▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.27 in 2024; short-term debt: 58.5% and cash: 1.8% of total assets), and 77.2% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
22.8%
Return on assets
0.7%
Age of the figures
9 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
50 d early
2024
on the day
2023
on the day
2022
40 d early
2021
38 d early
2020
4 d early
2019
25 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 3.0%
2024 · €150k
2019: €40k
2020: €61k
2021: €99k
2022: €203k
2023: €169k
2024: €150k
2019 → 2025
Total assets
€678k▼ 17.0%
2024 · €817k
2019: €142k
2020: €362k
2021: €497k
2022: €900k
2023: €831k
2024: €817k
2019 → 2025
Net result
€4k
2024 · €-19k
2019: €21k
2020: €21k
2021: €39k
2022: €104k
2023: €-34k
2024: €-19k
2019 → 2025
Working capital
€156k▲ 11.3%
2024 · €140k
2019: €37k
2020: €107k
2021: €69k
2022: €104k
2023: €147k
2024: €140k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€203k▲ 104%€169k▼ 16.9%€150k▼ 11.1%€154k▲ 3.0%
Operating result€56k-€145k▲ 159%€-5k€6k€15k▲ 160%
Net result€39k-€104k▲ 167%€-34k€-19k▲ 45.6%€4k
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 160% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €678k
Fixed assets
€125k▼ 22.0%
Current assets
€553k▼ 15.7%
Equity and liabilities €678k
Equity
€154k▲ 3.0%
Debt
€523k▼ 21.5%
The debt ratio falls from 81.6% to 77.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €55k
Cash flow
€35k▲
2024 · €30k
Solvency
22.8%▲
2024 · 18.4%
Current ratio
1.39▲
2024 · 1.27
Quick ratio
0.08▼
2024 · 0.10
Debt / equity
3.39▼
2024 · 4.44
ROE
2.9%▲
2024 · -12.5%
ROA
0.7%▲
2024 · -2.3%
Interest coverage
2.11▲
2024 · 2.09
Debt
€523k▼
2024 · €667k
Debt ≤ 1 year
€397k▼
2024 · €516k
Debt > 1 year
€125k▼
2024 · €150k
Income taxes
€-10k
Staff costs
€136k▼
2024 · €162k
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€817k€678k▼
Fixed assets21/28€161k€125k▼
Tangible fixed assets22/27€153k€122k▼
Land and buildings22€116k€99k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€30k€17k▼
Financial fixed assets28€8k€4k▼
Current assets29/58€656k€553k▼
Stocks and contracts in progress3€602k€520k▼
Stocks30/36€590k€520k▼
Contracts in progress37€12k-
Amounts receivable within one year40/41€30k€14k▼
Trade receivables40€30k€14k▼
Other amounts receivable41€684€23▼
Cash at bank and in hand54/58€23k€12k▼
Deferred charges and accrued income490/1€371€7k▲
Equity and liabilities
Total equity and liabilities10/49€817k€678k▼
Equity10/15€150k€154k▲
Contributions10/11€19k€19k=
Reserves13€185k€185k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€183k€183k=
Profit (loss) carried forward14€-53k€-49k▲
Amounts payable17/49€667k€523k▼
Amounts payable after more than one year17€150k€125k▼
Financial debts170/4€150k€125k▼
Amounts payable within one year42/48€516k€397k▼
Current portion of amounts payable after more than one year42€35k€21k▼
Financial debts43€242k€239k▼
Credit institutions430/8€242k€239k▼
Trade debts44€150k€91k▼
Suppliers440/4€150k€91k▼
Advances received on contracts in progress46€330€40▼
Taxes, remuneration and social security45€58k€30k▼
Taxes450/3€43k€24k▼
Remuneration and social security454/9€15k€6k▼
Other amounts payable47/48€31k€15k▼
Accrued charges and deferred income492/3€336€1k▲
Income statement
Code20242025
Non-recurring operating income76A€8k€1k▼
Remuneration, social security and pensions62€162k€136k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€30k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€221k€183k▼
Operating profit (loss)9901€6k€15k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€26k€21k▼
Recurring financial charges65€26k€21k▼
Profit (loss) for the period before taxes9903€-19k€-6k▲
Income taxes67/77-€-10k
Profit (loss) for the period9904€-19k€4k▲
Profit (loss) for the period to be appropriated9905€-19k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-53k€-49k▲
Profit (loss) brought forward from the previous period14P€-34k€-53k▼
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-34k ▼133%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €104k ▲167%
Operating result €145k, net result €104k, both a record.
31-12
Financial
Equity above €200kEq €203k ▲104%
4 profitable years in a row build equity to €203k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 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, Arendonk · 1 establishment unit since 2018
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.
Hovestraat 252370 ArendonkGround area
570 m²
Building footprint
483 m²
Volume, LiDAR
2,506 m³
Parcel 13322E0615/00E000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Jelti Rental
since 20182.282.843.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322E0615/00E000 | Flanders | 570 m² | 1 · 483 m² | 11.1 m · 1 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
2024 · 1 entry · 205 EUR awarded · 205 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 205 EUR | 205 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
VELOFRED
BE 1001.667.827
Nieuwpoort · Eq €154k
MATMALOU
BE 0870.502.645
Ittre · Eq €153k
EUPEN BIKES
BE 0785.939.827
Eupen · Eq €153k
Fiets Gigant
BE 0466.410.543
Lochristi · Eq €156k
TOP KARS RUISBROEK
BE 0524.698.041
Puurs-Sint-Amands · Eq €152k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 648 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2018
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
45402
46495Wholesale trade
47120Other non-specialised retail sale
47639Retail sale of other sporting goods
47640Retail trade
47715Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
85599Other education
86909Human health activities
86995Nutrition and dietetics services
95290Repair and maintenance of other personal and household goods
95319Other maintenance and repair of motor vehicles
95320Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.