LUAN-A

Active

Private limited companyfounded 20215 yrs activeBrusselsestraat 125, 9660 Brakel, BelgiumKBO/BCE: BE 0764.835.496

Summary

The computed 12-month bankruptcy probability of LUAN-A is 2.1% (moderate). The 2025 annual accounts show equity of €356k and a net result of €-53k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 2179 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

40 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability17▼-60

Solvency53▼-32

Growth52▼-26

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €14k at 30 days only on tighter terms

Liquidity tight (current ratio 1.45 against 2.27 in 2024; short-term debt: 25.1% and cash: 1.2% of total assets), and 71.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

46 d late

2024

36 d late

2023

117 d late

2022

91 d late

2021

121 d late

← before the deadline after the deadline →

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.

Companies Code · seven months

Position in the running window

24-09-2026 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

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-53k

2024 · €43k

2021: €7k 2022: €89k 2023: €267k 2024: €43k

2021 → 2025

Working capital

€143k▼ 58.0%

2024 · €340k

2021: €720 2022: €69k 2023: €284k 2024: €340k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€10k-€98k▲ 928%€366k▲ 272%€409k▲ 11.7%€356k▼ 12.9%

Operating result€9k-€114k▲ 1,122%€359k▲ 214%€75k▼ 79.1%€-30k

Net result€7k-€89k▲ 1,156%€267k▲ 201%€43k▼ 83.9%€-53k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €30k after €75k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.26M

63.5%

36.5%

Fixed assets €799k ▲ 1,068%

Current assets €459k ▼ 24.5%

Equity and liabilities €1.26M

28.3%

71.7%

Equity €356k ▼ 12.9%

Debt €902k ▲ 237%

Debt's share of the balance-sheet total rises from 39.6% to 71.7%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€9k▼

2024 · €96k

Cash flow

€-14k▼

2024 · €64k

Current ratio

1.45▼

2024 · 2.27

Debt to equity

2.54▲

2024 · 0.66

ROE

-14.9%▼

2024 · 10.5%

ROA

-4.2%▼

2024 · 6.3%

Interest coverage

0.36▼

2024 · 44.62

Debt ≤ 1 year

€316k▲

2024 · €268k

Debt > 1 year

€586k

Income taxes

€3k▼

2024 · €31k

Staff costs

€164k▲

2024 · €38k

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€676k€1.26M▲

Fixed assets21/28€68k€799k▲

Tangible fixed assets22/27€68k€799k▲

Land and buildings22-€737k

Plant, machinery and equipment23€8k€6k▼

Furniture and vehicles24€60k€57k▼

Current assets29/58€608k€459k▼

Amounts receivable within one year40/41€533k€436k▼

Trade receivables40€429k€324k▼

Other amounts receivable41€104k€112k▲

Cash at bank and in hand54/58€69k€15k▼

Deferred charges and accrued income490/1€5k€8k▲

Equity and liabilities

Total equity and liabilities10/49€676k€1.26M▲

Equity10/15€409k€356k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€406k€353k▼

Amounts payable17/49€268k€902k▲

Amounts payable after more than one year17-€586k

Financial debts170/4-€586k

Amounts payable within one year42/48€268k€316k▲

Current portion of amounts payable after more than one year42-€37k

Trade debts44€136k€232k▲

Suppliers440/4€136k€232k▲

Taxes, remuneration and social security45€132k€47k▼

Taxes450/3€128k€31k▼

Remuneration and social security454/9€4k€17k▲

Income statement Code20242025

Remuneration, social security and pensions62€38k€164k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€39k▲

Other operating charges640/8€5k€16k▲

Gross operating margin9900€138k€189k▲

Operating profit (loss)9901€75k€-30k▼

Financial income75/76B€1k€5k▲

Recurring financial income75€1k€5k▲

Financial charges65/66B€2k€24k▲

Recurring financial charges65€2k€24k▲

Profit (loss) for the period before taxes9903€74k€-50k▼

Income taxes67/77€31k€3k▼

Profit (loss) for the period9904€43k€-53k▼

Profit (loss) for the period to be appropriated9905€43k€-53k▼

Appropriation of the result

Profit (loss) to be appropriated9906€406k€353k▼

Profit (loss) brought forward from the previous period14P€363k€406k▲

Social balance

Average headcount (FTE)90871.01.0=

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-09

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 46 days late

2025

31-12

Financial Weakest financial yearnet €-53k ▼223%

Net result drops to €-53k, the lowest in the series.

05-09

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 36 days late

2024

25-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 117 days late

2023

31-12

Financial Highest result since 2021net €267k ▲201%

Operating result €359k, net result €267k, both a record.

31-12

Financial Equity above €200kEq €366k ▲272%

3 profitable years in a row build equity to €366k.

30-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 91 days late

2022

31-12

Financial Liquidity triplescurrent ratio 2.78

Current ratio from 1.01 to 2.78; short-term debt falls from €102k to €39k.

29-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 121 days late

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, Brakel · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Brusselsestraat 1259660 Brakel

Ground area

1,213 m²

Building footprint

143 m²

Volume, LiDAR

615 m³

Parcel 45024C1308/00G000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

LUAN-A

Brusselsestraat 125, 9660 BrakelRoofing work

since 20212.318.087.984

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45024C1308/00G000	Flanders	1,213 m²	1 · 143 m²	6.3 m · 2 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.

Similar companies · same sector, comparable size

Dycha & Co

BE 0544.641.439

Koekelberg · Eq €355,604

PRIEM-ACTION

BE 0896.111.932

Lichtervelde · Eq €355,559

Chaudfontaine · Eq €355,396

TBS ENERGIES

BE 0632.868.778

Libin · Eq €355,283

Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 10,453 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

Founded09-03-2021

Fiscal year end31-12

Activities, NACEBEL 2025

41001General construction of residential buildings

41003General construction of other non-residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.