LU-AN
ActiveThe computed 12-month bankruptcy probability of LU-AN is 1.7% (moderate). The 2024 annual accounts show equity of €51k and a net result of €8k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 65% of 18938 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
84
/ 100
Excellent▲ +33 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▲+47
Solvency74▲+23
Growth85=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 0.46 in 2023), and 53.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
46.5%
Return on assets
6.8%
Age of the figures
20 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
19 d early
2022
28 d early
2021
6 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€191k▲ 5.0%
2022 · €182k
2020: €91k
2021: €132k
2022: €182k
2020 → 2023
EBIT margin
-3.0%▼ 6.7pp
2022 · 3.7%
2020: 2.8%
2021: -9.1%
2022: 3.7%
2020 → 2023
Net result
€8k▲ 163%
2023 · €3k
2018: €-5k
2019: €-840
2020: €14k
2021: €-12k
2022: €5k
2023: €3k
2018 → 2024
Working capital
€4k
2023 · €-35k
2018: €6k
2019: €8k
2020: €25k
2021: €12k
2022: €22k
2023: €-35k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€91k-€132k▲ 44.8%€182k▲ 37.2%€191k▲ 5.0%
Equity€48k-€36k▼ 25.1%€41k▲ 14.4%€44k▲ 7.0%€51k▲ 17.1%
Operating result€3k-€-12k€7k€-6k€22k
Net result€14k-€-12k€5k€3k▼ 44.5%€8k▲ 163%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €22k after a loss of €6k in 2023, the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €111k
Fixed assets
€87k▲ 10.4%
Current assets
€24k▼ 20.3%
Equity and liabilities €111k
Equity
€51k▲ 17.1%
Debt
€59k▼ 8.4%
The debt ratio falls from 59.5% to 53.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▲
2023 · €4k
Cash flow
€19k▲
2023 · €13k
Solvency
46.5%▲
2023 · 40.5%
Current ratio
1.21▲
2023 · 0.46
Quick ratio
1.06▲
2023 · 0.46
Debt / equity
1.15▼
2023 · 1.47
ROE
14.6%▲
2023 · 6.5%
ROA
6.8%▲
2023 · 2.6%
Interest coverage
2.72▼
2023 · 9.76
Debt
€59k▼
2023 · €65k
Debt ≤ 1 year
€20k▼
2023 · €65k
Debt > 1 year
€40k
Income taxes
€2k▲
2023 · €715
Staff costs
€5k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€109k€111k▲
Fixed assets21/28€79k€87k▲
Tangible fixed assets22/27€79k€87k▲
Land and buildings22€14k€33k▲
Plant, machinery and equipment23€53k€47k▼
Furniture and vehicles24€249€982▲
Other tangible fixed assets26€11k€6k▼
Current assets29/58€30k€24k▼
Amounts receivable after more than one year29€3k€0▼
Trade receivables290€90€0▼
Other amounts receivable291€3k€0▼
Stocks and contracts in progress3-€3k
Stocks30/36-€3k
Amounts receivable within one year40/41-€10k
Trade receivables40-€4k
Other amounts receivable41-€6k
Cash at bank and in hand54/58€27k€11k▼
Equity and liabilities
Total equity and liabilities10/49€109k€111k▲
Equity10/15€44k€51k▲
Contributions10/11€25k€25k=
Capital10€25k-
Issued capital100€25k-
Reserves13€16k€26k▲
Non-distributable reserves130/1€3k-
Legal reserve130€3k-
Distributable reserves133€14k€26k▲
Profit (loss) carried forward14€3k€0▼
Amounts payable17/49€65k€59k▼
Amounts payable after more than one year17-€40k
Financial debts170/4-€40k
Amounts payable within one year42/48€65k€20k▼
Current portion of amounts payable after more than one year42€62k€17k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Advances received on contracts in progress46-€230
Taxes, remuneration and social security45-€74
Taxes450/3-€74
Other amounts payable47/48-€900
Income statement
Code20232024
Turnover70€191k-
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€165k-
Remuneration, social security and pensions62€2k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€19k€8k▼
Gross operating margin9900€25k€46k▲
Operating profit (loss)9901€-6k€22k▲
Financial income75/76B€10k-
Recurring financial income75€10k-
Non-recurring financial income76B€10k-
Financial charges65/66B€422€12k▲
Recurring financial charges65€422€12k▲
Profit (loss) for the period before taxes9903€4k€9k▲
Income taxes67/77€715€2k▲
Profit (loss) for the period9904€3k€8k▲
Profit (loss) for the period to be appropriated9905€3k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€8k▲
Transfer to equity691/2-€8k
To other reserves6921-€8k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 1.21
Current ratio from 0.46 to 1.21; short-term debt falls from €65k to €20k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-12k ▼188%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Laakdal · 1 establishment unit since 2012
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.
Tessenderloseweg 582431 LaakdalGround area
1,290 m²
Building footprint
107 m²
Volume, LiDAR
545 m³
Parcel 13042B0429/00N003, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Het Vejels Friethuis
since 20122.222.668.292
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13042B0429/00N003 | Flanders | 1,290 m² | 1 · 107 m² | 9.6 m · 1 fl. |
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.
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Of 21,633 companies in sector 56112 we hold annual accounts for 9,658. 8,269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2012
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.