Lucia-C
ActiveLucia-C has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €58k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 64% of 780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 2.05 in 2024), and 33.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
66.7%
Return on assets
48%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €81k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
30 d early
2022
6 d early
2021
6 d early
2020
24 d early
2019
5 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 257%
2024 · €23k
2019: €28k
2020: €26k
2021: €14k
2022: €14k
2023: €12k
2024: €23k
2019 → 2025
Total assets
€121k▲ 186%
2024 · €42k
2019: €108k
2020: €82k
2021: €54k
2022: €47k
2023: €18k
2024: €42k
2019 → 2025
Net result
€58k▲ 432%
2024 · €11k
2019: €31k
2020: €-2k
2021: €-12k
2022: €-197
2023: €-2k
2024: €11k
2019 → 2025
Working capital
€79k▲ 291%
2024 · €20k
2019: €29k
2020: €28k
2021: €16k
2022: €15k
2023: €8k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€14k▼ 1.4%€12k▼ 14.1%€23k▲ 93.2%€81k▲ 257%
Operating result€-9k-€2k€367▼ 79.4%€15k▲ 3,885%€76k▲ 423%
Net result€-12k-€-197▲ 98.3%€-2k▼ 881%€11k€58k▲ 432%
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 423% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€2k▼ 41.9%
Current assets
€120k▲ 203%
Equity and liabilities €121k
Equity
€81k▲ 257%
Debt
€40k▲ 104%
The debt ratio falls from 46.6% to 33.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€78k▲
2024 · €16k
Cash flow
€59k▲
2024 · €12k
Solvency
66.7%▲
2024 · 53.4%
Current ratio
2.97▲
2024 · 2.05
Quick ratio
2.97▲
2024 · 2.05
Debt / equity
0.50▼
2024 · 0.87
ROE
72.0%▲
2024 · 48.2%
ROA
48.0%▲
2024 · 25.8%
Interest coverage
863.06▲
2024 · 177.89
Debt
€40k▲
2024 · €20k
Debt ≤ 1 year
€40k▲
2024 · €19k
Income taxes
€18k▲
2024 · €4k
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€42k€121k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€40k€120k▲
Amounts receivable within one year40/41€35k€118k▲
Trade receivables40€35k€118k▲
Other amounts receivable41€96€96=
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€42k€121k▲
Equity10/15€23k€81k▲
Contributions10/11€6k€6k=
Reserves13€16k€75k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€15k€73k▲
Amounts payable17/49€20k€40k▲
Amounts payable within one year42/48€19k€40k▲
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€6k€23k▲
Taxes450/3€6k€23k▲
Other amounts payable47/48€11k€4k▼
Accrued charges and deferred income492/3€516€117▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€989-
Gross operating margin9900€17k€78k▲
Operating profit (loss)9901€15k€76k▲
Financial charges65/66B€90€90▲
Recurring financial charges65€90€90▲
Profit (loss) for the period before taxes9903€15k€76k▲
Income taxes67/77€4k€18k▲
Profit (loss) for the period9904€11k€58k▲
Profit (loss) for the period to be appropriated9905€11k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€58k▲
Transfer to equity691/2€11k€58k▲
To other reserves6921€11k€58k▲
The notes to these accounts (4 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €58k ▲432%
Operating result €76k, net result €58k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 4 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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Directors · office · real estate
Directors
3 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, Mont-de-l'Enclus · 1 establishment unit since 2018
Ground area
1,978 m²
Building footprint
490 m²
Volume, LiDAR
2,283 m³
Parcel 57001B0035/00F002, Wallonia · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JobFacto
since 20182.280.272.535
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57001B0035/00F002 | Wallonia | 1,978 m² | 1 · 490 m² | 7.3 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.
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Of 2,348 companies in sector 78100 we hold annual accounts for 1,355. 1,079 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2018
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.