LOURDAUX

Active

Private limited companyfounded 200224 yrs activeIndustrieweg 3, 3990 Peer, BelgiumKBO/BCE: BE 0477.675.609

Summary

LOURDAUX has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €564,337 and a net result of €203,144. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 59% of 1146 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

LOURDAUXActiveChecked score 96/100

Risk analysis Report Compare

Activity

Bodywork repair (including spraying and painting)

NACE 95314NACE 45204Water transport NACE 50200

#4 company by equity in Peer, Other services sector1 site

Size

€1.1mtotal assets 2025

Staff: 9.3 FTE
Equity: €564,337
Profit: €203,144

Turnover not published (abridged schema)

Financial health

96 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Parent: Tholin · 100%

Accounts 21 d early0 of 2 deeds read

Why 96+ Founded in 2002+ Liquidity: current ratio 2.22, cash €176,087+ Equity €564,337 (52.6% of total assets)+ Profit of €203,144 (FY 2025)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Better than 72% of its sector peers (NACE 95, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 78+6

equity 52.6% of total assets

Liquidity 55+3

short-term debt 34.5% · cash 16.4%

Profitability 92+8

return on assets 18.9%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.6% (5,059 companies)

Last 9 months 02-2026: 0.2% 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%▲ +4.8% vs 03-2026highest value 05-2026: 0.2%▼ -3.5% vs 04-2026 06-2026: 0.2%▼ -8.4% vs 05-2026 07-2026: 0.2%▲ +8.5% vs 06-2026 08-2026: 0.1%▼ -40.4% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value

Founded in 2002 lowers the probability for this profile
Liquidity: current ratio 2.22, cash €176,087 lowers the probability
Equity €564,337 (52.6% of total assets) lowers the probability
Profit of €203,144 (FY 2025) lowers the probability

Credit up to €50,000 at 30 days acceptable

Liquidity ample (current ratio 2.22 against 1.89 in 2024; short-term debt: 34.5% and cash: 16.4% of total assets), and 47.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, micro). Better than this share of them on solvency 63%, liquidity 56%, profitability 83%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Founded in 2002

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Liquidity: current ratio 2.22, cash €176,087

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €564,337 (52.6% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Profit of €203,144 (FY 2025)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

21 d early

2024

20 d early

2023

9 d early

2022

11 d early

2021

8 d late

2020

74 d late

2019

82 d 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 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 20 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

10-07-26 Annual accounts filedfiscal year 2025 · abbreviated…
31-12-25 Highest result since 2018net €203,144 ▲115%
31-12-25 Equity above €500,000Eq €564,337 ▲56.2%

Key points

Positive: Result rose in 2025from €94,568 to €203,144 ▲ 115% View
Positive: Among the best 15% on net resultsector median €30,271 · 1,142 companies €203,144 View
Controlled by Tholin 100% View
Positive: 6 profitable years in a rowprofit 2025: €203,144 6 years View
Positive: Always filed on timeaccounts within the deadline every year 4 years View