LA CHIARA LUCE
ActiveLA CHIARA LUCE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €116k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 64% of 186 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2026
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability67▼-10
Solvency80▲+5
Growth55▼-5
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 2.78 in 2025; short-term debt: 9.5% and cash: 2.4% of total assets), and 44.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
55.2%
Return on assets
0.6%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 05-06-2026, 148 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
148 d early
2025
150 d early
2024
151 d early
2023
145 d early
2022
130 d early
2021
129 d early
2020
145 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Turnover
€59k▼ 29.2%
2025 · €83k
2019: €99k
2020: €96k
2021: €99k
2022: €119k
2023: €105k
2024: €97k
2025: €83k
2019 → 2026
EBIT margin
11.2%▲ 5.4pp
2025 · 5.8%
2019: 12.6%
2020: 1.6%
2021: 11.5%
2022: 5.2%
2023: -1.5%
2024: 0.8%
2025: 5.8%
2019 → 2026
Net result
€1k▼ 24.6%
2025 · €2k
2019: €-2k
2020: €-771
2021: €9k
2022: €4k
2023: €-2k
2024: €-951
2025: €2k
2019 → 2026
Working capital
€17k▼ 44.2%
2025 · €30k
2019: €10k
2020: €7k
2021: €19k
2022: €15k
2023: €23k
2024: €19k
2025: €30k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Turnover€119k-€105k▼ 11.6%€97k▼ 7.8%€83k▼ 14.5%€59k▼ 29.2%
Equity€119k-€116k▼ 2.6%€115k▼ 1.5%€115k▲ 0.7%€116k▲ 0.3%
Operating result€6k-€-2k€786€5k▲ 512%€7k▲ 36.2%
Net result€4k-€-2k€-951▲ 57.3%€2k€1k▼ 24.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed three years in a row; 2026 is 36% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €210k
Fixed assets
€173k▼ 5.7%
Current assets
€37k▼ 21.5%
Equity and liabilities €210k
Equity
€116k▲ 0.3%
Provisions
€18k▼ 8.3%
Debt
€76k▼ 20.3%
The debt ratio falls from 41.2% to 36.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2025 · €16k
Cash flow
€13k▼
2025 · €13k
Solvency
55.2%▲
2025 · 50.1%
Current ratio
1.84▼
2025 · 2.78
Quick ratio
0.33▼
2025 · 1.11
Debt / equity
0.65▼
2025 · 0.82
ROE
1.1%▼
2025 · 1.4%
ROA
0.6%▼
2025 · 0.7%
Interest coverage
3.75▼
2025 · 5.61
Debt
€76k▼
2025 · €95k
Debt ≤ 1 year
€20k▲
2025 · €17k
Debt > 1 year
€56k▼
2025 · €78k
Income taxes
€2k▲
2025 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€230k€210k▼
Fixed assets21/28€184k€173k▼
Tangible fixed assets22/27€184k€173k▼
Land and buildings22€184k€172k▼
Plant, machinery and equipment23€114€830▲
Furniture and vehicles24€22-
Current assets29/58€47k€37k▼
Stocks and contracts in progress3€28k€30k▲
Stocks30/36€28k€30k▲
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40€7k€989▼
Other amounts receivable41€64€67▲
Cash at bank and in hand54/58€11k€5k▼
Deferred charges and accrued income490/1€413€420▲
Equity and liabilities
Total equity and liabilities10/49€230k€210k▼
Equity10/15€115k€116k▲
Contributions10/11€19k€19k=
Reserves13€95k€96k▲
Tax-exempt reserves132€39k€35k▼
Distributable reserves133€56k€61k▲
Profit (loss) carried forward14€2k€923▼
Provisions and deferred taxes16€20k€18k▼
Deferred taxes168€20k€18k▼
Amounts payable17/49€95k€76k▼
Amounts payable after more than one year17€78k€56k▼
Other amounts payable178/9€78k€56k▼
Amounts payable within one year42/48€17k€20k▲
Current portion of amounts payable after more than one year42€2k€14k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€594-
Other amounts payable47/48€7k€583▼
Income statement
Code20252026
Turnover70€83k€59k▼
Goods, raw materials, services and sundry goods60/61€83k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€19k€21k▲
Operating profit (loss)9901€5k€7k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€2k€2k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€2k€1k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€5k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€6k▼
Profit (loss) brought forward from the previous period14P€3k€2k▼
Transfer to equity691/2€5k€4k▼
To other reserves6921€5k€4k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (5 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 2027, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
2024
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-2k ▼163%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Waterloo · 1 establishment unit since 1999
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.
Chaussée de Tervuren 1841410 WaterlooGround area
357 m²
Building footprint
189 m²
Volume, LiDAR
1,087 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Mandala
since 19992.090.005.847
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050B0280/00V000 | Wallonia | 214 m² | 1 · 45 m² | 11.1 m · 3 fl. |
| 25763M0327/00_000 | Wallonia | 143 m² | 1 · 144 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ANTIEK EXPO
BE 0443.591.292
Hasselt · Eq €116k
SPHERE
BE 0438.101.785
Sint-Lambrechts-Woluwe · Eq €116k
ART NOUVEAU - ART DECO
BE 0426.376.663
Brussel · Eq €116k
BKW Editions
BE 0844.094.196
Ukkel · Eq €115k
ASAR DESIGN
BE 0778.566.243
Brussel · Eq €118k
Of 1,435 companies in sector 47791 we hold annual accounts for 455. 340 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-1999
Fiscal year end31-03
Activities, NACEBEL
47791Retail sale of antiques
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.