LUDIFICA

Active

Private limited companyfounded 20215 yrs activeVoie de l'Ardenne 134/6, 4053 Chaudfontaine, BelgiumKBO/BCE: BE 0770.789.120

Summary

The annual accounts of LUDIFICA for fiscal year 2025 show a net loss of 85% of the equity at the start of that year. The 2025 annual accounts show equity of €5k and a net result of €-30k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 17043 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

47 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-75

Solvency28▼-15

Growth32▼-46

Track record94

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 1.75 against 1.64 in 2024; short-term debt: 42.5% and cash: 52.7% of total assets), but 97.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

2.6%

Return on assets

-15.2%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17043 sector peers (2025).

NBB · sector comparison

Position among 17043 sector peers

Solvency

better than 10%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

16 d early

2024

22 d early

2023

142 d early

2022

118 d early

2021

114 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-30k

2024 · €10k

2021: €5k 2022: €-7k 2023: €22k 2024: €10k

2021 → 2025

Working capital

€64k▲ 7.8%

2024 · €59k

2021: €26k 2022: €33k 2023: €62k 2024: €59k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€9k-€3k▼ 69.4%€25k▲ 766%€35k▲ 41.8%€5k▼ 85.5%

Operating result€7k-€-6k€23k€11k▼ 52.2%€-30k

Net result€5k-€-7k€22k€10k▼ 52.7%€-30k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €30k after €11k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €199k

25.5%

74.5%

Fixed assets €51k ▲ 6.7%

Current assets €148k ▼ 2.3%

Equity and liabilities €199k

97.4%

Equity €5k ▼ 85.5%

Debt €194k ▲ 18.3%

Debt's share of the balance-sheet total rises from 82.2% to 97.4%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-11k▼

2024 · €30k

Cash flow

€-11k▼

2024 · €30k

Current ratio

1.75▲

2024 · 1.64

Quick ratio

1.72▲

2024 · 1.64

Debt to equity

37.67▲

2024 · 4.62

ROE

-589.3%▼

2024 · 29.5%

ROA

-15.2%▼

2024 · 5.2%

Interest coverage

-45.16▼

2024 · 75.07

Debt ≤ 1 year

€85k▼

2024 · €93k

Staff costs

€228k▲

2024 · €104k

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 · 50 lines

Balance sheet Code20242025

Assets

Total assets20/58€199k€199k▼

Fixed assets21/28€48k€51k▲

Intangible fixed assets21€47k€45k▼

Tangible fixed assets22/27€532€5k▲

Furniture and vehicles24€532€5k▲

Financial fixed assets28€175€175=

Current assets29/58€152k€148k▼

Stocks and contracts in progress3-€3k

Stocks30/36-€3k

Amounts receivable within one year40/41€22k€36k▲

Trade receivables40€18k€36k▲

Other amounts receivable41€3k€408▼

Cash at bank and in hand54/58€128k€105k▼

Deferred charges and accrued income490/1€3k€4k▲

Equity and liabilities

Total equity and liabilities10/49€199k€199k▼

Equity10/15€35k€5k▼

Contributions10/11€4k€4k=

Reserves13€31k€1k▼

Distributable reserves133€31k€1k▼

Profit (loss) carried forward14€0-

Amounts payable17/49€164k€194k▲

Amounts payable after more than one year17€0-

Other amounts payable178/9€0-

Amounts payable within one year42/48€93k€85k▼

Trade debts44€23k€26k▲

Suppliers440/4€23k€26k▲

Advances received on contracts in progress46€0-

Taxes, remuneration and social security45€14k€59k▲

Taxes450/3€10k€17k▲

Remuneration and social security454/9€5k€42k▲

Other amounts payable47/48€55k€120▼

Accrued charges and deferred income492/3€71k€109k▲

Income statement Code20242025

Remuneration, social security and pensions62€104k€228k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲

Other operating charges640/8€0€127▲

Gross operating margin9900€134k€218k▲

Operating profit (loss)9901€11k€-30k▼

Financial income75/76B-€3

Recurring financial income75-€3

Financial charges65/66B€399€233▼

Recurring financial charges65€399€233▼

Profit (loss) for the period before taxes9903€10k€-30k▼

Income taxes67/77€0-

Profit (loss) for the period9904€10k€-30k▼

Profit (loss) for the period to be appropriated9905€10k€-30k▼

Appropriation of the result

Profit (loss) to be appropriated9906€31k€-30k▼

Profit (loss) brought forward from the previous period14P€21k€0▼

Transfer from equity791/2-€30k

Transfer to equity691/2€31k€0▼

To other reserves6921€31k€0▼

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-30k ▼390%

Net result drops to €-30k, the lowest in the series.

09-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

11-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €22k

Net result €22k after one loss-making year.

04-04

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

08-04

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Chaudfontaine · 1 establishment unit since 2021

establishment approximate The establishment unit on the map

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.

Voie de l'Ardenne 134/64053 Chaudfontaine

Ground area

6,029 m²

Parcel 62030A0367/00B000, Wallonia. Linked by address, not a title deed.

1 establishment unit

LUDIFICA

Voie de l'Ardenne 134/6, 4053 ChaudfontaineComputer programming, consultancy and related activities

since 20212.319.516.359

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62030A0367/00B000	Wallonia	6,029 m²	-	-

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.

Similar companies · same sector, comparable size

Puurs-Sint-Amands · Eq €5,168

Triple A Capital

BE 0660.956.020

Watermaal-Bosvoorde · Eq €5,132

SMITH AND WILLIAMS

BE 0648.981.072

Mons · Eq €5,131

Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 3,050 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

Founded06-07-2021

Fiscal year end31-12

Activities, NACEBEL 2025

62100Computer programming

62900Other information technology and computer services

62200Computer consultancy and computer facilities management

63910Web portal activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.