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Complete company report
Generated 04-09-2026
Active BE 0628.530.405Private limited company

Bert Luca

Krombeekseweg 61 ·8970 Poperinge, Belgium· 11 yrs active
Sector: General construction of residential buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of Bert Luca is 1.8% (moderate). The 2024 annual accounts show negative equity (€-84k) and a net result of €-26k. Its solvency ranks better than 5% of 3845 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-84k
Net result €-26k
Better than sector 5%
Active 11 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health7Profitability100Solvency33Growth32Stability100
54 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 7
Profitability 100
Solvency 33
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.8% Moderate
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Checked score FY 2024 · computed
7 / 100 Critical
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro schema
€-40k€-20k€0€20kOperating result 2023: €17k€17kNet result 2023: €12k€12kOperating result 2024: €-21k€-21kNet result 2024: €-26k€-26k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 41, Construction of residential and non-residential buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -67.4% 39.5%
better than 5% of 3845 sector peers
Net result €-26k €9k
better than 5% of 3840 sector peers
Equity €-84k €29k
better than 5% of 3850 sector peers
Gross operating margin €-783 €26k
better than 11% of 3837 sector peers
Total assets €125k €85k
better than 65% of 3846 sector peers
EBITDA
€-2k
- 23-24
Net profit
€-26k
- 23-24
Cash flow
€-6k
- 23-24
Total assets
€125k
+8.5% 23-24
Equity
€-84k
-44.1% 23-24
Working capital
€-107k
-45.7% 23-24
Debt
€209k
+20.5% 23-24
Debt ≤ 1y
€145k
+52.7% 23-24
Debt > 1y
€64k
-15.0% 23-24
Current ratio
0.27
+15.4% 23-24
Quick ratio
0.21
+7.8% 23-24
Solvency
-67.4%
-32.8% 23-24
Debt / equity
-2.48
+16.4% 23-24
ROE
30.6%
- 23-24
ROA
-20.6%
- 23-24
Interest coverage
-0.36
- 23-24
Figures by fiscal year and ratios
Fiscal year2024
Depositmicro schema
Revenue-
EBITDA€-2k
Net profit€-26k
Cash flow€-6k
Staff costs-
Income taxes-
Dividends-
Total assets€125k
Equity€-84k
Debt€209k
of which ≤ 1y€145k
of which > 1y€64k
Working capital€-107k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.27
Quick ratio0.21
Working capital ratio-85.4%
Solvency-67.4%
Debt / equity-2.48
Long-term debt ratio-0.76
Interest coverage-0.36
Gross margin-
Net margin-
ROA-20.6%
ROE30.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€125k
Fixed assets 21/28€86k
Tangible fixed assets 22/27€86k
Current assets 29/58€39k
Stocks & contracts in progress 3€9k
Amounts receivable within one year 40/41€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€125k
Equity 10/15€-84k
Contributions / capital 10/11€17k
Reserves 13€60
Accumulated profits (losses) 14€-102k
Amounts payable 17/49€209k
Amounts payable after one year 17€64k
Amounts payable within one year 42/48€145k
Trade debts payable within one year 44€77k
Income statement
Gross operating margin 9900€-783
Operating result 9901€-21k
Financial income 75€0
Financial charges 65€4k
Result before taxes 9903€-26k
Net result for the period 9904€-26k
Result to be appropriated 9905€-26k
Directors & mandates 1 directors
Current directors & mandates
  • LUCA Bert
    Director
    State Gazette act 23450407 (08-12-2023)
    Current
    08-12-2023 → present
Legal Structure
NACE primary General construction of residential buildings(41001)
Legal form Private limited company(610)
Incorporation13-04-2015
StatusActive
Postal code8970
Establishment units 1 location
Algemene Bouwwerken Bert Luca
Krombeekseweg 61, 8970 PoperingeCutting, shaping and finishing of stone
since 20152.241.093.047
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
33312A1503/00C000 Flanders 4,128 m² 1 · 175 m² 5.5 m
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.
Updates 11 events
2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
01-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
08-12
State Gazette act Director changes
Tine Planckaert
30-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
04-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
29-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
State Gazette actNBB filing
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
08-12-2023 LUCA Bert appointed as director Director changes·Tine Planckaert
  • LUCA Bert, Bestuurder
Notary: Tine Planckaert · Poperinge
Technical details 
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Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
General construction of residential buildings41001Construction of residential and non-residential buildings41002General construction of other non-residential buildings41003Bricklaying and masonry work43910Specialised construction activities43994
Names & trade names
Legal nameNL Bert Luca
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative