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LUZELLE

Active
Lostraat 27 ·9850 Deinze, Belgium
KBO/BCE: BE 0793.896.302
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Age3 yrs
Board1
Real estate1 parcel · 812 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LUZELLE is 0.6% (low). The 2025 annual accounts show equity of €200k and a net result of €48k. Its solvency ranks better than 32% of 37 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-04-2026, 121 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 01-04-2026 121 d early 2026-00069807
31-12-2024 31-07-2025 20-06-2025 41 d early 2025-00159928
31-12-2023 31-07-2024 29-05-2024 63 d early 2024-00100254

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
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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
0.6% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

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€48k-5.2%
Working capital€-69k-18.5%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 01-04-2026 with the NBB · fiscal year 2025 · verkort
€0€25k€50k€75k€100kOperating result 2023: €93k€93kNet result 2023: €51k€51kOperating result 2025: €83k€83kNet result 2025: €48k€48k20232025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 63 · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 30.4% 45.3%
better than 32% of 37 sector peers
Net result €48k €47k
better than 51% of 37 sector peers
Equity €200k €175k
better than 53% of 37 sector peers
Gross operating margin €84k €80k
better than 53% of 36 sector peers
Total assets €658k €544k
better than 60% of 37 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€83k
-11.5% 23-25
Net profit
€48k
-5.2% 23-25
Cash flow
€49k
-6.4% 23-25
Total assets
€658k
+2.7% 23-25
Equity
€200k
+164.1% 23-25
Working capital
€-69k
-18.5% 23-25
Income taxes
€18k
-5.1% 23-25
Debt
€458k
-19.0% 23-25
Debt ≤ 1y
€124k
+24.6% 23-25
Debt > 1y
€331k
-28.5% 23-25
Current ratio
0.44
+7.0% 23-25
Quick ratio
0.44
+7.0% 23-25
Solvency
30.4%
+157.2% 23-25
Debt / equity
2.29
-69.3% 23-25
ROE
24.0%
-64.1% 23-25
ROA
7.3%
-7.7% 23-25
Interest coverage
5.05
+23.8% 23-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€83k
Net profit€48k
Cash flow€49k
Staff costs-
Income taxes€18k
Dividends-
Total assets€658k
Equity€200k
Debt€458k
of which ≤ 1y€124k
of which > 1y€331k
Working capital€-69k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.44
Quick ratio0.44
Working capital ratio-10.6%
Solvency30.4%
Debt / equity2.29
Long-term debt ratio1.65
Interest coverage5.05
Gross margin-
Net margin-
ROA7.3%
ROE24.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€658k
Fixed assets 21/28€604k
Tangible fixed assets 22/27€4k
Financial fixed assets 28€600k
Current assets 29/58€55k
Amounts receivable within one year 40/41€39k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€658k
Equity 10/15€200k
Contributions / capital 10/11€25k
Reserves 13€175k
Amounts payable 17/49€458k
Amounts payable after one year 17€331k
Amounts payable within one year 42/48€124k
Trade debts payable within one year 44€245
Income statement
Gross operating margin 9900€84k
Operating result 9901€83k
Financial charges 65€17k
Result before taxes 9903€67k
Income taxes 67/77€18k
Net result for the period 9904€48k
Result to be appropriated 9905€48k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
53 / 100 Fair
050100
Computed from 5 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.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

3 directors
Current directors & mandates
  • BV LUZELLELegal entity
    Director
    State Gazette act 23036962 (15-03-2023)
    Current
    07-02-2023 → present
Former directors (2)
  • Hugo Van Assche
    Director
    State Gazette act 23036962 (15-03-2023)
    Former
    - → 07-02-2023
  • Karine Sevens
    Director
    State Gazette act 23036962 (15-03-2023)
    Former
    - → 07-02-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Overige dienstverlenende activiteiten op het gebied van informatie(63920)
Legal form Private limited company(610)
Incorporation23-11-2022
StatusActive
Postal code9850

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.

Lostraat 279850 Deinze

Establishment units

1 location
LUZELLE
Lostraat 27, 9850 DeinzeOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 20222.339.045.330
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area812 m²
Buildings1
Building footprint130 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44044B1045/00K000 Flanders 812 m² 1 · 130 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 3 years ago
2023
15-03-2023 1 director appointed, 2 resigning Director changes
  • BV LUZELLE, Bestuurder
  • Karine Sevens, Bestuurder
  • Hugo Van Assche, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health53Profitability100Solvency37Growth52Stability94
67 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 53
Profitability 100
Solvency 37
Growth 52
Stability 94

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AI due-diligence brief

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Credit advice

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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 655 of the 3,150 companies in this sector. 502 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL LUZELLE
Registered office
Lostraat 27
9850 Deinze, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.