Financials
- Fiscal year
- 2025
- Total assets
- €149,802
- Profit
- €32,060
- Solvency
- 69.0%
Turnover▲ 15.6%
Net result
20182019
Luard
ActiveSummary
Luard has been active since 2014 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags). The 2025 annual accounts show equity of €103,417 and a net result of €32,060. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
What they do
Other building finishing work
NACE 43350General construction of residential buildings NACE 41001NACE 43390
1 site
How big
€149,802total assets 2025
- Staff
- 0.3 FTE
- Equity
- €103,417
- Profit
- €32,060
Who decides
Accounts filed 28 d late0 of 8 deeds read
Why 83- Higher-failure-rate sector- Administrative warnings in the KBO publications+ Annual accounts: healthy financial profile+ Long track recordFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+28
Solvency94▲+10
Growth80▲+17
Track record84
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 3.02 against 2.29 in 2024; short-term debt: 31% and cash: 29.7% of total assets), and 31% of the assets are financed with debt.
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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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
69%
Return on assets
21.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
4 d late
2023
23 d late
2022
7 d late
2021
27 d late
2020
11 d late
2019
255 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 51 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Strikeout withdrawalStrikeout initial
Checked, nothing found (1)
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. Usually files around 24 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €32,060
- Equity above €100,000Eq €103,417 ▲44.9%
Key points
By topic
Timeline
- Events
- 15
- Since
- 2019
- Next accounts
- by 31-07-2027
- 28-08-2026Annual accounts filed
- 31-12-2025Back to profit
- 31-12-2025Equity above €100,000
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other building finishing workNACE 43350
- Founded
- 09-07-2014
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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