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FIAT LUX AD

Active
Private limited companyfounded 2008active for 18 yearsRue Defuisseaux(T) 115, 7333 Saint-Ghislain, BelgiumKBO/BCE: BE 0898.527.925
Summary

FIAT LUX AD has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €432,174 and a net result of €169,674. Equity is growing by about 21% per year across the filed financial years. Its solvency ranks better than 55% of 11,186 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
FIAT LUX ADActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Buying and selling of own real estate
NACE 68110Real estate agency activities NACE 68310
1 site
Size
€1.2mtotal assets 2025
Staff
4.8 FTE
Equity
€432,174
Profit
€169,674
Turnover not published (abbreviated or micro format)Net result +2,246%: other schema
Financial health
97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Accounts filed 61 days late2 of 6 deeds read
Why 97raises riskLatest accounts 61 days late; 1 of the last 3 latelowers riskSize: total assets €1.2mFigures for financial year 2025 (filed 31-08-2026)Founded in 2008Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 75% of its sector peers (NACE 68, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 62+7
equity 37.2% of total assets
Liquidity 62+4
short-term debt 14.8% · cash 12.1%
Profitability 87+31
return on assets 14.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (26,608 companies, NACE 68, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -0.3 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.05, compared with 1.35 in 2024, above the usual 1.5; short-term debt: 14.8% and cash: 12.1% of total assets), but 62.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 55% on solvency, 74% on liquidity, 84% on profitability and 86% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Latest accounts 61 days late; 1 of the last 3 late
NBB · filings
lowers risk · Size: total assets €1.2m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 31-08-2026)
NBB · annual accounts
lowers risk · Founded in 2008
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
61 days late
2024
8 days late
2023
29 days late
2022
31 days late
2021
30 days late
2020
30 days late
2019
220 days late
← 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 58 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Highest result from 2018 to 2025net €169,674 ▲2,246%
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Result rose in 2025different schema filed ▲ 2,246% View
  • Positive: Among the best 15% on net resultsector median €10,063 · 11,178 companies €169,674 View
  • Caution: Latest accounts filed lateafter the legal deadline 61 days View
  • Positive: 8 profitable years in a rowprofit 2025: €169,674 8 years View

By topic

Financials

Financial year
2025
Total assets
€1.2m
Profit
€169,674
Solvency
37.2%
Total assets▲ 21.7%
Net result
20182025
Go to Financials

Timeline

Events
22
Since
2010
Next accounts
by 31-07-2027
  1. 11-10-2024Appointment: PANICHI Micheline (director)
  2. 29-08-2024Annual accounts filed
  3. 18-10-2023Resignation: DEHOMBREUX Adrien (manager)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Buying and selling of own real estateNACE 68110
Founded
12-06-2008
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
27
Annual meeting
First Monday of June at 18:00
Purpose
“Toutes opérations généralement quelconques immobilières,mobilières et financières se…” (deed in French)
Go to Articles of association

Key facts about FIAT LUX AD

What is the company number of FIAT LUX AD?
0898.527.925. In Belgium the VAT number is the company number with BE in front: BE 0898.527.925.
Where is FIAT LUX AD based?
The registered office is at Rue Defuisseaux(T) 115, 7333 Saint-Ghislain.Company details
What does FIAT LUX AD do?
According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
What is the legal form of FIAT LUX AD?
Private limited company (BV).
When was FIAT LUX AD founded?
On 12-06-2008.
Is FIAT LUX AD still active?
Yes, FIAT LUX AD is an active enterprise in the KBO register.
How many employees does FIAT LUX AD have?
On average 4.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of FIAT LUX AD?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is FIAT LUX AD profitable?
In financial year 2025, FIAT LUX AD made a profit of €169,674.
Where can I find the annual accounts of FIAT LUX AD?
FIAT LUX AD filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FIAT LUX AD due?
By 31-07-2027, for financial year 2026.Timeline

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