CORNELIS LUC
ActiveSummary
CORNELIS LUC has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €792k and a net result of €48k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-22
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 7.91 against 4.58 in 2024; short-term debt: 11.6% and cash: 27.8% of total assets), and 11.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
88.4%
Return on assets
5.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
2 d early
2022
on the day
2021
3 d late
2020
45 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€792k▲ 6.5%
2024 · €744k
2019: €412k
2020: €539k
2021: €634k
2022: €571k
2023: €727k
2024: €744k
2019 → 2025
Total assets
€897k▼ 4.6%
2024 · €941k
2019: €493k
2020: €582k
2021: €664k
2022: €624k
2023: €791k
2024: €941k
2019 → 2025
Net result
€48k▼ 77.2%
2024 · €212k
2019: €92k
2020: €115k
2021: €95k
2022: €112k
2023: €155k
2024: €212k
2019 → 2025
Working capital
€722k▲ 2.5%
2024 · €704k
2019: €389k
2020: €516k
2021: €621k
2022: €569k
2023: €683k
2024: €704k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€634k-€571k▼ 9.9%€727k▲ 27.2%€744k▲ 2.4%€792k▲ 6.5%
Operating result€128k-€157k▲ 23.0%€214k▲ 36.3%€301k▲ 40.4%€61k▼ 79.7%
Net result€95k-€112k▲ 18.8%€155k▲ 38.2%€212k▲ 36.7%€48k▼ 77.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €897k
Fixed assets
€71k ▲ 76.1%
Current assets
€826k ▼ 8.2%
Equity and liabilities €897k
Equity
€792k ▲ 6.5%
Debt
€104k ▼ 46.8%
Debt's share of the balance-sheet total falls from 20.9% to 11.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▼
2024 · €303k
Cash flow
€63k▼
2024 · €214k
Current ratio
7.91▲
2024 · 4.58
Debt to equity
0.13▼
2024 · 0.26
ROE
6.1%▼
2024 · 28.5%
ROA
5.4%▼
2024 · 22.6%
Interest coverage
68.16▼
2024 · 346.22
Debt ≤ 1 year
€104k▼
2024 · €197k
Income taxes
€20k▼
2024 · €94k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€941k€897k▼
Fixed assets21/28€40k€71k▲
Tangible fixed assets22/27€40k€71k▲
Furniture and vehicles24€40k€71k▲
Financial fixed assets28€50€50=
Current assets29/58€900k€826k▼
Amounts receivable after more than one year29-€300k
Other amounts receivable291-€300k
Amounts receivable within one year40/41€142k€78k▼
Trade receivables40€130k€32k▼
Other amounts receivable41€11k€46k▲
Current investments50/53€192k€196k▲
Cash at bank and in hand54/58€563k€249k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€941k€897k▼
Equity10/15€744k€792k▲
Contributions10/11€19k€19k=
Reserves13€720k€768k▲
Non-distributable reserves130/1€22k€22k=
Reserves not available under the articles1311€22k-
Other1319-€22k
Distributable reserves133€698k€746k▲
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€197k€104k▼
Amounts payable within one year42/48€197k€104k▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€80k€9k▼
Taxes450/3€80k€9k▼
Other amounts payable47/48€112k€91k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€14k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€22k€2k▼
Gross operating margin9900€327k€80k▼
Operating profit (loss)9901€301k€61k▼
Financial income75/76B€6k€8k▲
Recurring financial income75€6k€8k▲
Financial charges65/66B€875€1k▲
Recurring financial charges65€875€1k▲
Profit (loss) for the period before taxes9903€307k€68k▼
Income taxes67/77€94k€20k▼
Profit (loss) for the period9904€212k€48k▼
Profit (loss) for the period to be appropriated9905€212k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€218k€54k▼
Profit (loss) brought forward from the previous period14P€6k€6k▲
Transfer from equity791/2€195k€0▼
Transfer to equity691/2€212k€48k▼
To other reserves6921€212k€48k▼
Profit to be distributed694/7€195k€0▼
Return on contributions (dividend)694€195k€0▼
The notes to these accounts (15 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €48k ▼77.2%
Net result drops to €48k, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €212k ▲36.7%
Operating result €301k, net result €212k, both a record.
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 45 days late
31-03
Financial
Liquidity doublescurrent ratio 13.07
Current ratio from 6.12 to 13.07; short-term debt falls from €76k to €43k.
31-03
Financial
Equity above €500kEq €539k ▲30.9%
2 profitable years in a row build equity to €539k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
13-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Puurs-Sint-Amands · 1 establishment unit since 2000
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.
Schaafstraat 122870 Puurs-Sint-AmandsGround area
1,286 m²
Building footprint
250 m²
Volume, LiDAR
1,054 m³
Parcel 12008A0539/00F003, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Schaafstraat 12, 2870 Puurs-Sint-Amands
since 20002.099.475.819
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12008A0539/00F003 | Flanders | 1,286 m² | 1 · 250 m² | 5.9 m · 1 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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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 30,327 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-1999
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.