LUC TOUSSAINT EXPERT - COMPTABLE

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LUC TOUSSAINT EXPERT - COMPTABLE is 0.1% (very low). The 2025 annual accounts show equity of €315k and a net result of €7k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 1957 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	12-01-2026	19 d early	2026-00009947
30-06-2024	31-01-2025	30-01-2025	1 d early	2025-00021771
30-06-2023	31-01-2024	30-01-2024	1 d early	2024-00022841
30-06-2022	31-01-2023	09-01-2023	22 d early	2023-20556792
30-06-2021	31-01-2022	31-01-2022	on the day	2022-03400155
30-06-2019	31-01-2020	22-01-2020	9 d early	2020-01800515
30-06-2018	31-01-2019	30-01-2019	1 d early	2019-03100090
30-06-2017	31-01-2018	08-01-2018	23 d early	2018-00600022
30-06-2016	31-01-2017	30-01-2017	1 d early	2017-03600505
30-06-2015	31-01-2016	07-01-2016	24 d early	2016-00500483

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2009, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€7k-95.4%

Working capital€305k-29.0%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 12-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~17.1%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	62.5%	53.8%	better than 57% of 1957 sector peers
Net result	€7k	€43k	better than 11% of 1957 sector peers
Equity	€315k	€56k	better than 92% of 1958 sector peers
Gross operating margin	€19k	€68k	better than 12% of 1956 sector peers
Total assets	€504k	€133k	better than 90% of 1957 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P57

Improving position over 2021-2025 · n=1560-4829

Net result P11

Weakening position over 2021-2025 · n=1557-4826

Equity P92

Stable position over 2021-2025 · n=1560-4829

Gross operating margin P12

Weakening position over 2021-2025 · n=1555-4824

Describes the position versus peers, not a forecast.

EBITDA

€17k

-92.6% 19-25

Net profit

€7k

-95.4% 19-25

Cash flow

€18k

-89.1% 19-25

Total assets

€504k

-4.5% 19-25

Equity

€315k

-30.2% 19-25

Working capital

€305k

-29.0% 19-25

Income taxes

€4k

-93.6% 19-25

Dividends

€143k

+615.0% 19-25

Show 10 other metrics

Debt

€189k

+146.9% 19-25

Debt ≤ 1y

€189k

+146.9% 19-25

Debt > 1y

€15k

-46.8% 19-25

Current ratio

2.62

-60.5% 19-25

Quick ratio

2.62

-60.5% 19-25

Solvency

62.5%

-26.9% 19-25

Debt / equity

0.60

+253.6% 19-25

ROE

2.2%

-93.4% 19-25

ROA

1.4%

-95.2% 19-25

Interest coverage

12.75

-92.5% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€17k
Net profit	€7k
Cash flow	€18k
Staff costs	-
Income taxes	€4k
Dividends	€143k
Total assets	€504k
Equity	€315k
Debt	€189k
of which ≤ 1y	€189k
of which > 1y	-
Working capital	€305k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.62
Quick ratio	2.62
Working capital ratio	60.6%
Solvency	62.5%
Debt / equity	0.60
Long-term debt ratio	-
Interest coverage	12.75
Gross margin	-
Net margin	-
ROA	1.4%
ROE	2.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €10k · 1.9% Current assets €494k · 98.1%

Equity & liabilities

Equity €315k · 62.5% Debt €189k · 37.5%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€504k
Fixed assets	21/28	€10k
Tangible fixed assets	22/27	€10k
Current assets	29/58	€494k
Amounts receivable within one year	40/41	€206k
Cash & bank	54/58	€288k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€504k
Equity	10/15	€315k
Contributions / capital	10/11	€14k
Reserves	13	€286k
Accumulated profits (losses)	14	€15k
Amounts payable	17/49	€189k
Amounts payable within one year	42/48	€189k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€19k
Operating result	9901	€6k
Financial income	75	€7k
Financial charges	65	€1k
Result before taxes	9903	€11k
Income taxes	67/77	€4k
Net result for the period	9904	€7k
Result to be appropriated	9905	€7k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

83 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

LUC TOUSSAINT EXPERT-COMPTABLE

Rue d'Elvaux 17b, 4650 HerveActiviteiten van (gecertificeerde) (fiscaal) accountants

since 20092.228.093.265

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,529 m²

Buildings1

Building footprint705 m²

Volume (LiDAR)7,799 m³

Tallest building13.2 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63035A0766/02P000	Wallonia	1,529 m²	1 · 705 m²	13.2 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.