LUXO
ActiveThe computed 12-month bankruptcy probability of LUXO is 3.1% (moderate). The 2025 annual accounts show equity of €73k and a net result of €62k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 3619 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80=
Solvency35▼-23
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.79 against 3.0 in 2024; short-term debt: 43.4% and cash: 12.7% of total assets), and 89.8% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
10.2%
Return on assets
8.7%
Age of the figures
9 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
56 d late
2023
69 d early
2022
10 d late
2021
3 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€73k▼ 69.9%
2024 · €241k
2021: €106k
2022: €161k
2023: €178k
2024: €241k
2021 → 2025
Total assets
€709k▼ 1.9%
2024 · €723k
2021: €772k
2022: €761k
2023: €710k
2024: €723k
2021 → 2025
Net result
€62k▼ 0.6%
2024 · €62k
2021: €96k
2022: €55k
2023: €18k
2024: €62k
2021 → 2025
Working capital
€-66k
2024 · €146k
2021: €105k
2022: €124k
2023: €134k
2024: €146k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€161k▲ 51.8%€178k▲ 10.9%€241k▲ 34.9%€73k▼ 69.9%
Operating result€134k-€77k▼ 42.0%€37k▼ 51.9%€90k▲ 141%€97k▲ 8.5%
Net result€96k-€55k▼ 42.8%€18k▼ 68.1%€62k▲ 255%€62k▼ 0.6%
Turnover and EBIT margin not published: the abbreviated 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 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €709k
Fixed assets
€467k▼ 7.4%
Current assets
€242k▲ 10.7%
Equity and liabilities €709k
Equity
€73k▼ 69.9%
Debt
€636k▲ 31.9%
The debt ratio rises from 66.7% to 89.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€138k▲
2024 · €130k
Cash flow
€103k▲
2024 · €102k
Solvency
10.2%▼
2024 · 33.3%
Current ratio
0.79▼
2024 · 3.00
Quick ratio
0.36▼
2024 · 1.20
Debt / equity
8.77▲
2024 · 2.00
ROE
85.3%▲
2024 · 25.9%
ROA
8.7%▲
2024 · 8.6%
Interest coverage
13.73▲
2024 · 12.49
Debt
€636k▲
2024 · €482k
Debt ≤ 1 year
€308k▲
2024 · €73k
Debt > 1 year
€328k▼
2024 · €409k
Income taxes
€27k▲
2024 · €18k
Staff costs
€29k▲
2024 · €21k
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€723k€709k▼
Fixed assets21/28€504k€467k▼
Tangible fixed assets22/27€504k€467k▼
Land and buildings22€472k€440k▼
Plant, machinery and equipment23€33k€27k▼
Current assets29/58€219k€242k▲
Stocks and contracts in progress3€131k€130k▼
Stocks30/36€131k€130k▼
Amounts receivable within one year40/41€250€2k▲
Trade receivables40€250€2k▲
Current investments50/53€7k€19k▲
Cash at bank and in hand54/58€79k€90k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€723k€709k▼
Equity10/15€241k€73k▼
Contributions10/11€10k€10k=
Reserves13-€63k
Distributable reserves133-€63k
Profit (loss) carried forward14€231k-
Amounts payable17/49€482k€636k▲
Amounts payable after more than one year17€409k€328k▼
Financial debts170/4€328k€277k▼
Other amounts payable178/9€81k€51k▼
Amounts payable within one year42/48€73k€308k▲
Current portion of amounts payable after more than one year42€52k€51k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Advances received on contracts in progress46€703€703=
Taxes, remuneration and social security45€17k€23k▲
Taxes450/3€13k€20k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48-€230k
Accrued charges and deferred income492/3-€139
Income statement
Code20242025
Remuneration, social security and pensions62€21k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€41k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€156k€172k▲
Operating profit (loss)9901€90k€97k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€80k€89k▲
Income taxes67/77€18k€27k▲
Profit (loss) for the period9904€62k€62k▼
Profit (loss) for the period to be appropriated9905€62k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€231k€293k▲
Profit (loss) brought forward from the previous period14P€168k€231k▲
Transfer to equity691/2-€63k
To other reserves6921-€63k
Profit to be distributed694/7-€230k
Return on contributions (dividend)694-€230k
Social balance
Average headcount (FTE)90871.81.7▼
The notes to these accounts (8 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 56 days late
2024
31-12
Financial
Equity above €200kEq €241k ▲34.9%
4 profitable years in a row build equity to €241k.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €18k ▼68.1%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Equity above €150kEq €161k ▲51.8%
2 profitable years in a row build equity to €161k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Knokke-Heist · 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.
Zeedijk-Het Zoute 8058300 Knokke-HeistGround area
209 m²
Building footprint
189 m²
Volume, LiDAR
4,245 m³
Parcel 31332E0092/00A000, Flanders · tallest building 37.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Luxo
since 20202.300.294.523
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E0092/00A000 | Flanders | 209 m² | 1 · 189 m² | 37.5 m · 9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKnokke-Heist2.300.294.523
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 9,813 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.