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LUISMIL

Active
Rue de Gozée 400 ·6110 Montigny-le-Tilleul, Belgium
KBO/BCE: BE 1001.611.112
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Age2 yrs
Staff (FTE)49.1
Real estate1 parcel · 1,429 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LUISMIL is 1.7% (moderate). The 2024 annual accounts show equity of €253k and a net result of €24k. Its solvency ranks better than 38% of 866 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 30-07-2025 1 d early 2025-00343704

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
Young company
Founded in 2023, under 3 years, statistically higher risk.
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
1.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Lower-risk legal form −

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€24k
Working capital€665k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-07-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 10.2% 17.3%
better than 38% of 866 sector peers
Net result €24k €14k
better than 55% of 867 sector peers
Equity €253k €100k
better than 69% of 868 sector peers
Gross operating margin €2.69M €213k
better than 95% of 794 sector peers
Staff costs €2.56M €219k
higher than 95% of 715 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue-
EBITDA€130k
Net profit€24k
Cash flow€58k
Staff costs€2.56M
Income taxes€11k
Dividends€21k
Total assets€2.47M
Equity€253k
Debt€2.08M
of which ≤ 1y€1.56M
of which > 1y€465k
Working capital€665k
Employees (FTE)49.1
Ratios (computed)
2024
Current ratio1.42
Quick ratio0.83
Working capital ratio26.9%
Solvency10.2%
Debt / equity8.23
Long-term debt ratio1.84
Interest coverage1.58
Gross margin-
Net margin-
ROA1.0%
ROE9.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.47M
Fixed assets 21/28€239k
Intangible fixed assets 21€219k
Tangible fixed assets 22/27€20k
Current assets 29/58€2.23M
Stocks & contracts in progress 3€938k
Amounts receivable within one year 40/41€193k
Investments 50/53€800k
Cash & bank 54/58€298k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.47M
Equity 10/15€253k
Contributions / capital 10/11€250k
Reserves 13€1k
Accumulated profits (losses) 14€2k
Provisions & deferred taxes 16€134k
Amounts payable 17/49€2.08M
Amounts payable after one year 17€465k
Amounts payable within one year 42/48€1.56M
Trade debts payable within one year 44€1.17M
Income statement
Gross operating margin 9900€2.69M
Operating result 9901€95k
Financial income 75€22k
Financial charges 65€82k
Result before taxes 9903€35k
Income taxes 67/77€11k
Net result for the period 9904€24k
Result to be appropriated 9905€24k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
51 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue de Gozée 4006110 Montigny-le-Tilleul

Establishment units

1 location
Delhaize Montigny
Rue de Gozée 400, 6110 Montigny-le-TilleulDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)
since 20232.351.398.180
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,429 m²

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.
52048B0345/00V000 Wallonia 1,429 m² - -
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

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2025
06-03-2025 Discharge granted to the board Director changes

Analysis

Snowflake analysis

financial profile on 5 axes
Health51Profitability47Solvency27Growth-Stability67
48 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 51
Profitability 47
Solvency 27
Growth -
Stability 67

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,626 of the 10,428 companies in this sector. 896 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621
Primary activity highlighted.
Names & trade names
Legal nameFR LUISMIL
Registered office
Rue de Gozée 400
6110 Montigny-le-Tilleul, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.