Luc Gijsens
ActiveSummary
Luc Gijsens has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €474. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 7.89 in 2024; short-term debt: 19.6% and cash: 13.6% of total assets), and 19.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
80.4%
Return on assets
0.2%
Age of the figures
9 mo
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
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 19-05-2026, 73 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
73 d early
2024
45 d early
2023
47 d early
2022
83 d early
2021
54 d early
2020
61 d early
2019
11 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€180k▼ 18.9%
2024 · €222k
2018: €53k
2019: €84k
2020: €126k
2021: €172k
2022: €214k
2023: €253k
2024: €222k
2018 → 2025
Total assets
€224k▼ 11.9%
2024 · €255k
2018: €66k
2019: €109k
2020: €174k
2021: €210k
2022: €223k
2023: €254k
2024: €255k
2018 → 2025
Net result
€474▲ 51.9%
2024 · €312
2018: €28k
2019: €31k
2020: €43k
2021: €46k
2022: €42k
2023: €38k
2024: €312
2018 → 2025
Working capital
€179k▼ 19.4%
2024 · €222k
2018: €53k
2019: €49k
2020: €102k
2021: €160k
2022: €214k
2023: €253k
2024: €222k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€214k▲ 24.5%€253k▲ 17.9%€222k▼ 12.0%€180k▼ 18.9%
Operating result€70k-€66k▼ 4.7%€54k▼ 18.1%€-633€110
Net result€46k-€42k▼ 7.9%€38k▼ 8.8%€312▼ 99.2%€474▲ 51.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €110 after a loss of €633 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€1k
Current assets
€223k
Equity and liabilities €224k
Equity
€180k ▼ 18.9%
Debt
€44k ▲ 36.3%
Debt's share of the balance-sheet total rises from 12.7% to 19.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€273▲
2024 · €-633
Cash flow
€637▲
2024 · €312
Current ratio
5.07▼
2024 · 7.89
Debt to equity
0.24▲
2024 · 0.15
ROE
0.3%▲
2024 · 0.1%
ROA
0.2%▲
2024 · 0.1%
Interest coverage
0.30▲
2024 · -0.39
Debt ≤ 1 year
€44k▲
2024 · €32k
Income taxes
€3k▲
2024 · €1k
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 · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€255k€224k▼
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Plant, machinery and equipment23-€1k
Current assets29/58€255k€223k▼
Amounts receivable within one year40/41€0€605▲
Trade receivables40€0-
Other amounts receivable41€0€605▲
Current investments50/53€215k€191k▼
Cash at bank and in hand54/58€39k€30k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€255k€224k▼
Equity10/15€222k€180k▼
Contributions10/11€25k€25k=
Reserves13€197k€155k▼
Distributable reserves133€197k€155k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€32k€44k▲
Amounts payable within one year42/48€32k€44k▲
Trade debts44€83€0▼
Suppliers440/4€83€0▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€29k€40k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€163▲
Other operating charges640/8€781€1k▲
Gross operating margin9900€148€1k▲
Operating profit (loss)9901€-633€110▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€2k€912▼
Recurring financial charges65€2k€912▼
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€312€474▲
Profit (loss) for the period to be appropriated9905€312€474▲
Appropriation of the result
Profit (loss) to be appropriated9906€312€474▲
Transfer from equity791/2€31k€43k▲
Transfer to equity691/2€312€474▲
To other reserves6921€312€474▲
Profit to be distributed694/7€31k€43k▲
Return on contributions (dividend)694€31k€43k▲
The notes to these accounts (6 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €312 ▼99.2%
Net result drops to €312, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 6current ratio 153.20
Current ratio from 26.98 to 153.20; short-term debt falls from €8k to €2k.
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 26.98
Current ratio from 5.24 to 26.98; short-term debt falls from €38k to €8k.
31-12
Financial
Equity above €200kEq €214k ▲24.5%
5 profitable years in a row build equity to €214k.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
21-01
State Gazette act
General meeting · Demerger
Accounting effect · Director resignation
2021
31-12
Financial
Highest result since 2018net €46k ▲7.4%
Operating result €70k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €172k ▲36.2%
4 profitable years in a row build equity to €172k.
Show earlier events
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €126k ▲50.8%
3 profitable years in a row build equity to €126k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-04
State Gazette act
General meeting · Legal-form conversion
Net-asset statement · Reserve release · Patrick COPPIETERS 't WALLANT
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-05
State Gazette act
General meeting · Statutes amendment
Capital · Corporate purpose · Patrick COPPIETERS 't WALLANT
Financial milestoneState Gazette actNBB 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, Gent · 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.
Oudenaardsesteenweg 449000 GentGround area
1,003 m²
Building footprint
185 m²
Volume, LiDAR
1,667 m³
Parcel 44809I0539/00H003, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Oudenaardsesteenweg 44, 9000 Gent
since 20182.275.006.128
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0539/00H003 | Flanders | 1,003 m² | 1 · 185 m² | 13.1 m · 3 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.
Structure & network
Connections & network
5 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Show 1 more companies with a shared director
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
72 locations
Similar companies · same sector, comparable size
VAN BRUGGEN
BE 0475.522.011
Knokke-Heist · Eq €180,256
Ladoos Consultancy
BE 0732.908.541
Grimbergen · Eq €180,036
NAPERO
BE 0758.696.881
Beringen · Eq €179,978
AGRO GRANGE SERVICES
BE 0750.805.437
Dinant · Eq €179,937
MORIAS & COMPANY
BE 0655.818.285
Kasterlee · Eq €180,499
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,044 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
Founded28-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.