Luc Van Dessel
ActiveLuc Van Dessel has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €151k and a net result of €21k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▼-3
Solvency100▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.74 against 2.56 in 2023; short-term debt: 20.5% and cash: 62.3% of total assets), and 21.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
34 d early
2022
35 d early
2021
37 d early
2020
36 d early
2019
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€151k▲ 7.8%
2023 · €141k
2018: €22k
2019: €56k
2020: €78k
2021: €99k
2022: €121k
2023: €141k
2018 → 2024
Total assets
€193k▼ 2.0%
2023 · €197k
2018: €87k
2019: €97k
2020: €114k
2021: €122k
2022: €151k
2023: €197k
2018 → 2024
Net result
€21k▼ 17.4%
2023 · €25k
2018: €30k
2019: €38k
2020: €28k
2021: €24k
2022: €31k
2023: €25k
2018 → 2024
Working capital
€108k▲ 28.5%
2023 · €84k
2018: €5k
2019: €42k
2020: €65k
2021: €95k
2022: €112k
2023: €84k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€78k-€99k▲ 26.8%€121k▲ 21.2%€141k▲ 16.6%€151k▲ 7.8%
Operating result€40k-€36k▼ 10.3%€43k▲ 21.3%€35k▼ 18.9%€29k▼ 16.7%
Net result€28k-€24k▼ 13.6%€31k▲ 29.1%€25k▼ 18.6%€21k▼ 17.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 17% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €193k
Fixed assets
€45k▼ 23.0%
Current assets
€147k▲ 6.9%
Equity and liabilities €193k
Equity
€151k▲ 7.8%
Debt
€41k▼ 26.6%
The debt ratio falls from 28.5% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2023 · €43k
Cash flow
€35k▲
2023 · €34k
Solvency
78.6%▲
2023 · 71.5%
Current ratio
3.74▲
2023 · 2.56
Quick ratio
3.74▲
2023 · 2.56
Debt / equity
0.27▼
2023 · 0.40
ROE
13.8%▼
2023 · 18.0%
ROA
10.9%▼
2023 · 12.9%
Interest coverage
52.13▼
2023 · 53.37
Debt
€41k▼
2023 · €56k
Debt ≤ 1 year
€39k▼
2023 · €54k
Income taxes
€9k▼
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€197k€193k▼
Fixed assets21/28€59k€45k▼
Tangible fixed assets22/27€58k€45k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€49k€39k▼
Financial fixed assets28€450€450=
Current assets29/58€138k€147k▲
Amounts receivable within one year40/41€23k€18k▼
Trade receivables40€23k€18k▼
Other amounts receivable41€7€156▲
Current investments50/53€50k-
Cash at bank and in hand54/58€56k€120k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€197k€193k▼
Equity10/15€141k€151k▲
Contributions10/11€6k€6k=
Reserves13€134k€145k▲
Distributable reserves133€134k€145k▲
Profit (loss) carried forward14€99€286▲
Amounts payable17/49€56k€41k▼
Amounts payable within one year42/48€54k€39k▼
Trade debts44€5k€504▼
Suppliers440/4€5k€504▼
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€10k€10k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€37k€27k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€14k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€45k€46k▲
Operating profit (loss)9901€35k€29k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€815€835▲
Recurring financial charges65€815€835▲
Profit (loss) for the period before taxes9903€35k€30k▼
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€25k€21k▼
Profit (loss) for the period to be appropriated9905€25k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€21k▼
Profit (loss) brought forward from the previous period14P€491€99▼
Transfer from equity791/2€2k€10k▲
Transfer to equity691/2€22k€21k▼
To other reserves6921€22k€21k▼
Profit to be distributed694/7€5k€10k▲
Return on contributions (dividend)694€5k€10k▲
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
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €21k ▼17.4%
Net result drops to €21k, the lowest in the series.
31-12
Financial
Equity above €150kEq €151k ▲7.8%
7 profitable years in a row build equity to €151k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €121k ▲21.2%
5 profitable years in a row build equity to €121k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €38k ▲25%
Operating result €55k, net result €38k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.45
Current ratio from 1.10 to 2.45; short-term debt falls from €47k to €29k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Lier · 1 establishment unit since 2013
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.
Roggelaan 82500 LierGround area
847 m²
Building footprint
152 m²
Volume, LiDAR
871 m³
Parcel 12019B0492/00T002, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Luc Van Dessel
since 20132.215.962.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019B0492/00T002 | Flanders | 847 m² | 1 · 152 m² | 8.6 m · 2 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
2022 to 2025 · 4 entries · 1,339 EUR awarded · 1,339 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 329 EUR | 329 EUR |
| 2024 | 1 | 282 EUR | 311 EUR |
| 2023 | 1 | 414 EUR | 471 EUR |
| 2022 | 1 | 314 EUR | 228 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,637. 6,513 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2013
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.