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BOUWONDERNEMING LUYS

Active
Private limited companyfounded 200620 yrs activeOpitterkiezel 90, 3960 Bree, BelgiumKBO/BCE: BE 0879.542.649
Summary

The annual accounts of BOUWONDERNEMING LUYS for fiscal year 2025 show a net loss of 63% of total assets. The 2025 annual accounts show equity of €42,787 and a net result of -€34,869. Equity is shrinking by ~24.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 84% of 8619 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
BOUWONDERNEMING LUYSActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
1 site
Size
€55,787total assets 2025
Equity
€42,787
Loss
-€34,869
Turnover not published (abridged schema)
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
0.8%
Structure
Accounts 47 d early0 of 3 deeds read
Why 55Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €34,869, the second in a row (FY 2025)- Sector Construction of residential and non-residential buildings (NACE 41)+ Founded in 2006+ Liquidity: current ratio 3.79, cash €8,829, halvedShow the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 44% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 100=
equity 76.7% of total assets
Liquidity 61-39
short-term debt 23.3% · cash 15.8%
Profitability 0=
return on assets -62.5%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%▲ +2.8% vs 11-2024 01-2025: 0.1%▲ +37.6% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%▼ -14.7% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▲ +1.6% vs 09-2025 11-2025: 0.1%▲ +2.3% vs 10-2025 12-2025: 0.1%▼ -1.5% vs 11-2025 01-2026: 0.8%▲ +490% vs 12-2025 02-2026: 0.8%● 0.0% vs 01-2026 03-2026: 0.8%● 0.0% vs 02-2026 04-2026: 0.8%● 0.0% vs 03-2026 05-2026: 0.8%● 0.0% vs 04-2026 06-2026: 0.8%● 0.0% vs 05-2026 07-2026: 0.8%▼ -0.1% vs 06-2026 08-2026: 0.8%● 0.0% vs 07-2026 09-2026: 0.8%▼ -1.6% vs 08-2026 10-2026: 0.8%▲ +5.1% vs 09-2026highest value
  • Loss of €34,869, the second in a row (FY 2025) raises the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Founded in 2006 lowers the probability for this profile
  • Liquidity: current ratio 3.79, cash €8,829, halved lowers the probability
Credit up to €2,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.79 against 11.27 in 2024; short-term debt: 23.3% and cash: 15.8% of total assets), and 23.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 92%, liquidity 67%, profitability 5%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €34,869, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2006
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 3.79, cash €8,829, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€34,869
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
47 d early
2024
41 d early
2023
on the day
2022
4 d early
2021
3 d early
2020
28 d late
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 27 January (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€34,869
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 5% on net resultsector median €8,335 · 8,612 companies -€34,869 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€34,869 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€55,787
Loss
-€34,869
Solvency
76.7%
Total assets▼ 33.7%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-01-2027
  1. 15-12-2025Annual accounts filed
  2. 30-06-2025Weakest financial year
  3. 21-12-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
07-02-2006
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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