Nicodeme Luc
ActiveNicodeme Luc has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €47k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-5
Solvency59▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 3.94 in 2024; short-term debt: 19.8% and cash: 19% of total assets), but 65.6% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
34.4%
Return on assets
9.3%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
36 d early
2023
56 d early
2022
62 d early
2021
62 d early
2020
45 d early
2019
42 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€176k▼ 3.2%
2024 · €182k
2018: €126k
2019: €117k
2020: €124k
2021: €118k
2022: €127k
2023: €140k
2024: €182k
2018 → 2025
Total assets
€513k▲ 7.0%
2024 · €479k
2018: €143k
2019: €243k
2020: €309k
2021: €395k
2022: €394k
2023: €439k
2024: €479k
2018 → 2025
Net result
€47k▼ 21.8%
2024 · €61k
2018: €12k
2019: €18k
2020: €7k
2021: €30k
2022: €17k
2023: €23k
2024: €61k
2018 → 2025
Working capital
€157k▼ 0.9%
2024 · €158k
2018: €121k
2019: €85k
2020: €88k
2021: €74k
2022: €90k
2023: €111k
2024: €158k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€127k▲ 7.6%€140k▲ 9.8%€182k▲ 30.2%€176k▼ 3.2%
Operating result€43k-€29k▼ 33.4%€37k▲ 28.7%€89k▲ 139%€72k▼ 18.7%
Net result€30k-€17k▼ 42.7%€23k▲ 37.5%€61k▲ 160%€47k▼ 21.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€255k▼ 4.6%
Current assets
€258k▲ 21.7%
Equity and liabilities €513k
Equity
€176k▼ 3.2%
Debt
€337k▲ 13.4%
The debt ratio rises from 62.0% to 65.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€89k▼
2024 · €104k
Cash flow
€64k▼
2024 · €77k
Solvency
34.4%▼
2024 · 38.0%
Current ratio
2.54▼
2024 · 3.94
Quick ratio
2.47▼
2024 · 3.78
Debt / equity
1.91▲
2024 · 1.63
ROE
26.9%▼
2024 · 33.3%
ROA
9.3%▼
2024 · 12.7%
Interest coverage
9.56▼
2024 · 15.08
Debt
€337k▲
2024 · €297k
Debt ≤ 1 year
€101k▲
2024 · €54k
Debt > 1 year
€235k▼
2024 · €243k
Income taxes
€19k▼
2024 · €23k
Staff costs
€20k▲
2024 · €19k
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€479k€513k▲
Fixed assets21/28€267k€255k▼
Tangible fixed assets22/27€267k€255k▼
Land and buildings22€75k€75k=
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€3k€3k▲
Leasing and similar rights25€27k€19k▼
Other tangible fixed assets26€161k€155k▼
Current assets29/58€212k€258k▲
Stocks and contracts in progress3€9k€8k▼
Stocks30/36€9k€8k▼
Amounts receivable within one year40/41€36k€38k▲
Trade receivables40€35k€35k▲
Other amounts receivable41€643€2k▲
Current investments50/53€115k€114k▼
Cash at bank and in hand54/58€51k€97k▲
Deferred charges and accrued income490/1€2k€893▼
Equity and liabilities
Total equity and liabilities10/49€479k€513k▲
Equity10/15€182k€176k▼
Contributions10/11€19k€19k=
Reserves13€164k€158k▼
Distributable reserves133€164k€158k▼
Amounts payable17/49€297k€337k▲
Amounts payable after more than one year17€243k€235k▼
Financial debts170/4€243k€235k▼
Amounts payable within one year42/48€54k€101k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€13k€19k▲
Taxes450/3€7k€15k▲
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€31k€68k▲
Accrued charges and deferred income492/3€271€36▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€126k€111k▼
Operating profit (loss)9901€89k€72k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€84k€66k▼
Income taxes67/77€23k€19k▼
Profit (loss) for the period9904€61k€47k▼
Profit (loss) for the period to be appropriated9905€61k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€47k▼
Transfer from equity791/2€18k€53k▲
Transfer to equity691/2€61k€47k▼
To other reserves6921€61k€47k▼
Profit to be distributed694/7€18k€53k▲
Return on contributions (dividend)694€18k€53k▲
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €61k ▲160%
Operating result €89k, net result €61k, both a record.
31-12
Financial
Equity above €150kEq €182k ▲30.2%
7 profitable years in a row build equity to €182k.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €7k ▼63.4%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 92 days late
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, Overijse · 1 establishment unit since 2009
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.
Waversesteenweg 1633090 OverijseGround area
1.1 ha
Building footprint
544 m²
Volume, LiDAR
2,743 m³
Parcel 23546E0093/00A002, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nicodeme Luc
since 20092.175.943.689
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546E0093/00A002 | Flanders | 1.1 ha | 1 · 544 m² | 11.6 m · 2 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.
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DIMITRI PEETERS
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UN MOMENT POUR SOI
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Jens Eelbode
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Dentergem · Eq €176k
HERRIJGERS
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DE BOCK
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Of 9,531 companies in sector 43222 we hold annual accounts for 5,659. 4,874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2009
Fiscal year end31-12
Abbreviation NL
Nicodeme L
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.