LUC VIS
ActiveSummary
LUC VIS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €673k and a net result of €83k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-3
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.88 against 3.48 in 2024; short-term debt: 16% and cash: 60.9% of total assets), and 24.5% 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 · 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
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
75.5%
Return on assets
9.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
42 d early
2023
30 d early
2022
14 d early
2021
12 d early
2020
1 d early
2019
28 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, abbreviated schema
Equity
€673k▲ 14.1%
2024 · €590k
2018: €168k
2019: €186k
2020: €314k
2021: €368k
2022: €429k
2023: €499k
2024: €590k
2018 → 2025
Total assets
€892k▲ 10.9%
2024 · €804k
2018: €710k
2019: €630k
2020: €691k
2021: €712k
2022: €723k
2023: €737k
2024: €804k
2018 → 2025
Net result
€83k▼ 8.3%
2024 · €91k
2018: €4k
2019: €26k
2020: €128k
2021: €54k
2022: €61k
2023: €70k
2024: €91k
2018 → 2025
Working capital
€412k▲ 32.6%
2024 · €311k
2018: €-70k
2019: €-57
2020: €83k
2021: €124k
2022: €170k
2023: €192k
2024: €311k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€368k-€429k▲ 16.5%€499k▲ 16.3%€590k▲ 18.2%€673k▲ 14.1%
Operating result€84k-€76k▼ 8.9%€120k▲ 57.0%€132k▲ 10.0%€117k▼ 11.3%
Net result€54k-€61k▲ 11.7%€70k▲ 15.4%€91k▲ 29.5%€83k▼ 8.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €892k
Fixed assets
€336k ▼ 8.5%
Current assets
€555k ▲ 27.3%
Equity and liabilities €892k
Equity
€673k ▲ 14.1%
Debt
€218k ▲ 2.2%
Debt's share of the balance-sheet total falls from 26.6% to 24.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€158k▼
2024 · €173k
Cash flow
€124k▼
2024 · €132k
Current ratio
3.88▲
2024 · 3.48
Quick ratio
3.86▲
2024 · 3.45
Debt to equity
0.32▼
2024 · 0.36
ROE
12.4%▼
2024 · 15.4%
ROA
9.3%▼
2024 · 11.3%
Interest coverage
30.52▲
2024 · 24.52
Debt ≤ 1 year
€143k▲
2024 · €125k
Debt > 1 year
€75k▼
2024 · €88k
Income taxes
€32k▼
2024 · €36k
Staff costs
€242k▲
2024 · €213k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€804k€892k▲
Fixed assets21/28€367k€336k▼
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€362k€332k▼
Land and buildings22€325k€310k▼
Plant, machinery and equipment23€20k€11k▼
Furniture and vehicles24€17k€10k▼
Financial fixed assets28€396€896▲
Current assets29/58€436k€555k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€20k€9k▼
Trade receivables40€11k€6k▼
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€413k€543k▲
Equity and liabilities
Total equity and liabilities10/49€804k€892k▲
Equity10/15€590k€673k▲
Contributions10/11€19k€19k=
Reserves13€571k€655k▲
Distributable reserves133€571k€655k▲
Amounts payable17/49€214k€218k▲
Amounts payable after more than one year17€88k€75k▼
Financial debts170/4€88k€75k▼
Amounts payable within one year42/48€125k€143k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€43k€42k▼
Suppliers440/4€43k€42k▼
Advances received on contracts in progress46€150€225▲
Taxes, remuneration and social security45€19k€20k▲
Taxes450/3€7k€5k▼
Remuneration and social security454/9€13k€15k▲
Other amounts payable47/48€50k€68k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Remuneration, social security and pensions62€213k€242k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€41k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€0▲
Other operating charges640/8€16k€14k▼
Gross operating margin9900€400k€414k▲
Operating profit (loss)9901€132k€117k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€127k€115k▼
Income taxes67/77€36k€32k▼
Profit (loss) for the period9904€91k€83k▼
Profit (loss) for the period to be appropriated9905€91k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€83k▼
Transfer to equity691/2€91k€83k▼
To other reserves6921€91k€83k▼
Social balance
Average headcount (FTE)90876.15.0▼
The notes to these accounts (21 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €590k ▲18.2%
7 profitable years in a row build equity to €590k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €128k ▲390%
Operating result €185k, net result €128k, both a record.
31-12
Financial
Equity above €200kEq €314k ▲69%
3 profitable years in a row build equity to €314k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Sint-Katelijne-Waver · 1 establishment unit since 2020
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.
Liersesteenweg 158 A2860 Sint-Katelijne-WaverGround area
112 m²
Building footprint
104 m²
Volume, LiDAR
559 m³
Parcel 12035E0410/00R002, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Luc Vis BV
since 20202.300.811.888
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035E0410/00R002 | Flanders | 112 m² | 1 · 104 m² | 11.0 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
2022 to 2023 · 2 entries · 4,825 EUR awarded · 4,825 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 240 EUR | 240 EUR |
| 2022 | 1 | 4,585 EUR | 4,585 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Katelijne-Waver2.300.811.888
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Of 231 companies in sector 46323 we hold annual accounts for 155. 113 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
Founded14-06-2001
Fiscal year end31-12
Activities, NACEBEL 2025
46323Wholesale trade
47230Retail trade
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.