Summary
LUPUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €188k and a net result of €13k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 5527 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
14 d early
2023
33 d early
2022
17 d early
2021
17 d early
2020
36 d early
2019
27 d late
← 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
€188k▼ 39.3%
2024 · €309k
2018: €215k
2019: €231k
2020: €240k
2021: €242k
2022: €257k
2023: €282k
2024: €309k
2018 → 2025
Net result
€13k▼ 73.7%
2024 · €50k
2018: €23k
2019: €17k
2020: €27k
2021: €125k
2022: €55k
2023: €50k
2024: €50k
2018 → 2025
Total assets
€753k▼ 11.7%
2024 · €853k
2018: €271k
2019: €245k
2020: €291k
2021: €664k
2022: €854k
2023: €844k
2024: €853k
2018 → 2025
Solvency
24.9%▼ 11.3pp
2024 · 36.3%
2018: 79.3%
2019: 94.3%
2020: 82.6%
2021: 36.4%
2022: 30.1%
2023: 33.4%
2024: 36.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€242k-€257k▲ 6.4%€282k▲ 9.7%€309k▲ 9.6%€188k▼ 39.3%
Operating result€173k-€73k▼ 57.9%€75k▲ 3.1%€74k▼ 1.6%€25k▼ 65.5%
Net result€125k-€55k▼ 55.8%€50k▼ 9.6%€50k▼ 0.3%€13k▼ 73.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €753k
Fixed assets
€602k ▼ 5.7%
Current assets
€151k ▼ 29.5%
Equity and liabilities €753k
Equity
€188k ▼ 39.3%
Debt
€565k ▲ 4.1%
Debt's share of the balance-sheet total rises from 63.7% to 75.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
7.0%▼
2024 · 16.1%
ROA
1.7%▼
2024 · 5.8%
Debt ≤ 1 year
€214k▲
2024 · €171k
Debt > 1 year
€352k▼
2024 · €373k
Income taxes
€9k▼
2024 · €21k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€853k€753k▼
Fixed assets21/28€638k€602k▼
Tangible fixed assets22/27€578k€542k▼
Land and buildings22€505k€485k▼
Plant, machinery and equipment23€53k€43k▼
Furniture and vehicles24€20k€14k▼
Financial fixed assets28€60k€60k=
Current assets29/58€215k€151k▼
Amounts receivable within one year40/41€28k€10k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€21k€5k▼
Cash at bank and in hand54/58€185k€139k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€853k€753k▼
Equity10/15€309k€188k▼
Contributions10/11€13k€13k=
Reserves13€297k€175k▼
Distributable reserves133€297k€175k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€543k€565k▲
Amounts payable after more than one year17€373k€352k▼
Financial debts170/4€373k€352k▼
Amounts payable within one year42/48€171k€214k▲
Current portion of amounts payable after more than one year42€21k€21k▼
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€18k€8k▼
Taxes450/3€18k€8k▼
Other amounts payable47/48€121k€171k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€36k▼
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€116k€71k▼
Operating profit (loss)9901€74k€25k▼
Financial income75/76B€2k€909▼
Recurring financial income75€2k€909▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€70k€22k▼
Income taxes67/77€21k€9k▼
Profit (loss) for the period9904€50k€13k▼
Profit (loss) for the period to be appropriated9905€50k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€13k▼
Transfer from equity791/2€23k€135k▲
Transfer to equity691/2€50k€13k▼
To other reserves6921€50k€13k▼
Profit to be distributed694/7€23k€135k▲
Return on contributions (dividend)694€23k€135k▲
Social balance
Average headcount (FTE)9087-0.0
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
18-09
State Gazette act
Appointment: Melina Lamsens (non-statutory director)Permanent representative: Kristof Nannan · Power of attorney4 facts ▸
State Gazette act
Appointment: Melina Lamsens (non-statutory director)
Permanent representative: Kristof Nannan · Power of attorney4 facts ▸
- General meeting, 20-04-2026
- Director appointment, Melina Lamsens (non-statutory director)
- Power of attorney, TRIACCOUNT- Accountants & Belastingconsulenten
- Permanent representative, Kristof Nannan (permanent representative)
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼73.7%
Net result drops to €13k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €125k ▲356%
Operating result €173k, net result €125k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Melina Lamsens
CurrentNon-statutory director · since 20-04-2026
20-04-2026
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2011
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.
Nieuwe Gentweg 1088000 BruggeGround area
738 m²
Building footprint
220 m²
Volume, LiDAR
1,869 m³
Parcel 31803C0351/00B000, Flanders · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwe Gentweg 108, 8000 Brugge
since 20112.198.857.366
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31803C0351/00B000 | Flanders | 738 m² | 1 · 220 m² | 14.6 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
GOCON
BE 0847.085.063
Opwijk · Eq €187,834
DELCOR
BE 0544.908.584
Evergem · Eq €187,809
NIBISA
BE 0651.976.095
Deinze · Eq €187,901
KENKAT
BE 0893.483.529
Grimbergen · Eq €187,938
HOLDING PARTENAIRES EUROPEENS D'INVESTISSEUR
BE 0449.343.689
Namur · Eq €187,647
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,481 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
Founded28-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.