Lotuk
ActiveLotuk has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €158k. Equity is shrinking by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 8479 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency11▼-35
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.47 against 1.29 in 2024), and 82.9% 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 · 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
17.1%
Return on assets
109.1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8479 sector peers (2025).
NBB · sector comparisonPosition among 8479 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
17 d early
2024
22 d early
2023
27 d early
2022
26 d early
2021
33 d early
2020
9 d early
2019
9 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€25k▼ 46.5%
2024 · €46k
2019: €112k
2020: €212k
2021: €319k
2022: €176k
2023: €333k
2024: €46k
2019 → 2025
Total assets
€145k▼ 18.2%
2024 · €178k
2019: €152k
2020: €286k
2021: €386k
2022: €346k
2023: €361k
2024: €178k
2019 → 2025
Net result
€158k▼ 5.6%
2024 · €168k
2019: €106k
2020: €99k
2021: €95k
2022: €126k
2023: €158k
2024: €168k
2019 → 2025
Working capital
€-64k
2024 · €39k
2019: €112k
2020: €206k
2021: €314k
2022: €170k
2023: €330k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€319k-€176k▼ 45.0%€333k▲ 89.7%€46k▼ 86.1%€25k▼ 46.5%
Operating result€124k-€168k▲ 35.8%€204k▲ 21.5%€206k▲ 0.6%€207k▲ 0.4%
Net result€95k-€126k▲ 33.2%€158k▲ 24.6%€168k▲ 6.5%€158k▼ 5.6%
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 has risen four years in a row; 2025 is 0% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€89k▲ 1,048%
Current assets
€57k▼ 66.7%
Equity and liabilities €145k
Equity
€25k▼ 46.5%
Debt
€120k▼ 8.2%
The debt ratio rises from 73.9% to 82.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€211k▲
2024 · €208k
Cash flow
€163k▼
2024 · €170k
Solvency
17.1%▼
2024 · 26.1%
Current ratio
0.47▼
2024 · 1.29
Quick ratio
0.47▼
2024 · 1.29
Debt / equity
4.86▲
2024 · 2.83
ROE
639.5%▲
2024 · 362.6%
ROA
109.1%▲
2024 · 94.6%
Interest coverage
293.44▼
2024 · 1413.97
Debt
€120k▼
2024 · €131k
Debt ≤ 1 year
€120k▼
2024 · €131k
Income taxes
€48k▼
2024 · €52k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€178k€145k▼
Fixed assets21/28€8k€89k▲
Tangible fixed assets22/27€8k€89k▲
Land and buildings22€518-
Plant, machinery and equipment23-€2k
Furniture and vehicles24€7k€87k▲
Current assets29/58€170k€57k▼
Amounts receivable within one year40/41€25k€26k▲
Trade receivables40€25k€26k▲
Cash at bank and in hand54/58€139k€25k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€178k€145k▼
Equity10/15€46k€25k▼
Contributions10/11€19k€19k=
Reserves13€28k€23k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€21k€21k=
Distributable reserves133€5k-
Profit (loss) carried forward14-€-17k
Amounts payable17/49€131k€120k▼
Amounts payable within one year42/48€131k€120k▼
Current portion of amounts payable after more than one year42-€56k
Trade debts44€6k€15k▲
Suppliers440/4€6k€15k▲
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€20k€19k▼
Other amounts payable47/48€105k€30k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€611€3k▲
Gross operating margin9900€208k€215k▲
Operating profit (loss)9901€206k€207k▲
Financial income75/76B€14k€867▼
Recurring financial income75€14k€867▼
Financial charges65/66B€147€719▲
Recurring financial charges65€147€719▲
Profit (loss) for the period before taxes9903€219k€207k▼
Income taxes67/77€52k€48k▼
Profit (loss) for the period9904€168k€158k▼
Profit (loss) for the period to be appropriated9905€168k€158k▼
Appropriation of the result
Profit (loss) to be appropriated9906€168k€158k▼
Transfer from equity791/2€287k€5k▼
Profit to be distributed694/7€455k€180k▼
Return on contributions (dividend)694€455k€180k▼
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 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €168k ▲6.5%
Net result €168k, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 6current ratio 12.80
Current ratio from 2.00 to 12.80; short-term debt falls from €170k to €28k.
31-12
Financial
Equity above €200kEq €333k ▲89.7%
5 profitable years in a row build equity to €333k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €95k ▼4.5%
Net result drops to €95k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €212k ▲88.5%
2 profitable years in a row build equity to €212k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,136 companies in sector 70200 we hold annual accounts for 52,099. 32,494 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.