Filip Vanluydt
ActiveSummary
Filip Vanluydt has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €106k. Equity is shrinking by ~25% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 17% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency36▲+7
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.03 in 2024; short-term debt: 89% and cash: 74.8% of total assets), and 89.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
10.7%
Return on assets
75.2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-02-2026, 80 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
80 d early
2024
148 d early
2023
76 d early
2022
60 d early
2021
101 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k=
2024 · €15k
2021: €104k
2022: €192k
2023: €269k
2024: €15k
2021 → 2025
Total assets
€140k▼ 62.0%
2024 · €370k
2021: €133k
2022: €231k
2023: €327k
2024: €370k
2021 → 2025
Net result
€106k▲ 45.1%
2024 · €73k
2021: €89k
2022: €88k
2023: €77k
2024: €73k
2021 → 2025
Working capital
€16k▲ 27.4%
2024 · €12k
2021: €104k
2022: €186k
2023: €256k
2024: €12k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€192k▲ 85.0%€269k▲ 39.9%€15k▼ 94.4%€15k=
Operating result€115k-€115k▼ 0.7%€100k▼ 13.0%€93k▼ 6.4%€135k▲ 44.2%
Net result€89k-€88k▼ 0.7%€77k▼ 13.2%€73k▼ 4.9%€106k▲ 45.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €140k
Equity
€15k =
Debt
€125k ▼ 64.7%
Debt's share of the balance-sheet total falls from 95.9% to 89.3%. Debt is lower.
Key figures and ratios
EBITDA
€136k▲
2024 · €114k
Cash flow
€107k▲
2024 · €93k
Current ratio
1.12▲
2024 · 1.03
Debt to equity
8.36▼
2024 · 23.67
ROE
704.4%▲
2024 · 485.6%
ROA
75.2%▲
2024 · 19.7%
Interest coverage
87.63▼
2024 · 141.64
Debt ≤ 1 year
€125k▼
2024 · €351k
Debt > 1 year
€0▼
2024 · €4k
Income taxes
€29k▲
2024 · €22k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€370k€140k▼
Fixed assets21/28€7k€0▼
Tangible fixed assets22/27€7k€0▼
Furniture and vehicles24€7k€0▼
Current assets29/58€363k€140k▼
Amounts receivable within one year40/41€28k€32k▲
Trade receivables40€28k€30k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€334k€105k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€370k€140k▼
Equity10/15€15k€15k=
Contributions10/11€15k€15k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€355k€125k▼
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€351k€125k▼
Current portion of amounts payable after more than one year42€11k€4k▼
Trade debts44€122€3k▲
Suppliers440/4€122€3k▲
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€9k▼
Other amounts payable47/48€329k€109k▼
Accrued charges and deferred income492/3€788€500▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€1k▼
Other operating charges640/8€1k€720▼
Gross operating margin9900€115k€137k▲
Operating profit (loss)9901€93k€135k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€802€2k▲
Recurring financial charges65€802€2k▲
Profit (loss) for the period before taxes9903€95k€134k▲
Income taxes67/77€22k€29k▲
Profit (loss) for the period9904€73k€106k▲
Profit (loss) for the period to be appropriated9905€73k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€327k€106k▼
Profit (loss) brought forward from the previous period14P€254k€0▼
Profit to be distributed694/7€327k€106k▼
Return on contributions (dividend)694€327k€106k▼
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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2021net €106k ▲45.1%
Operating result €135k, net result €106k, both a record.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Weakest financial yearnet €73k ▼4.9%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200kEq €269k ▲39.9%
3 profitable years in a row build equity to €269k.
01-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150kEq €192k ▲85%
2 profitable years in a row build equity to €192k.
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Diest · 1 establishment unit since 2020
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.
Peetersstraat 193290 DiestGround area
1,339 m²
Building footprint
572 m²
Parcel 24020A0777/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
Filip Vanluydt
since 20202.306.343.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A0777/00Y000 | Flanders | 1,339 m² | 1 · 572 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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BE 0716.660.546
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Maarten Dubois
BE 0727.761.997
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AUMACO
BE 0732.863.308
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PIRARD MANAGEMENT
BE 0736.812.889
Watermaal-Bosvoorde · Eq €15,000
Bram De Schouwer
BE 0741.725.643
Keerbergen · Eq €15,000
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 27,480 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
Founded07-08-2020
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.