LÜBCKE & CO

Active

Private limited companyfounded 20233 yrs activeCité Belle-Vue 30, 4720 Kelmis, BelgiumKBO/BCE: BE 0802.652.333

The computed 12-month bankruptcy probability of LÜBCKE & CO is 5.9% (elevated). The 2025 annual accounts show negative equity (€-4k) and a net result of €4k. Equity is shrinking by ~80.2% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

23 / 100

Critical

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

Axes · tick = 2024

Profitability50▲+50

Solvency0=

Growth32=

Track record94

Bankruptcy probability, 12 months

5.9% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

balance sheet total too small for a liquidity verdict, and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight 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 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

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 2025

Age of the figures

9 mo

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-04-2026, 94 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

94 d early

2024

77 d early

2023

82 d early

← before the deadline after the deadline →

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

17-09-2026 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, unclassified schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€4k

2024 · €-16k

2023: €7k 2024: €-16k

2023 → 2025

Working capital

€-5k▲ 75.5%

2024 · €-20k

2023: €-12k 2024: €-20k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€9k-€-8k€-4k▲ 53.6%

Operating result€8k-€-16k€-9k▲ 45.4%

Net result€7k-€-16k€4k

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €9k in 2025 against €16k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €4k

38.2%

61.8%

Fixed assets €1k▼ 88.8%

Current assets €2k▼ 59.9%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-8k▼

2024 · €-8k

Cash flow

€5k▲

2024 · €-8k

Interest coverage

-122.98▼

2024 · -54.42

Debt

€7k▼

2024 · €26k

Debt ≤ 1 year

€7k▼

2024 · €26k

Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.

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€18k€4k▼

Fixed assets21/28€12k€1k▼

Tangible fixed assets22/27€12k€1k▼

Plant, machinery and equipment23€712€155▼

Furniture and vehicles24€12k€1k▼

Current assets29/58€6k€2k▼

Amounts receivable within one year40/41€5k€2k▼

Trade receivables40€2k€2k▼

Other amounts receivable41€3k€129▼

Cash at bank and in hand54/58€12€1▼

Deferred charges and accrued income490/1€284-

Equity and liabilities

Total equity and liabilities10/49€18k€4k▼

Equity10/15€-8k€-4k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€-10k€-6k▲

Amounts payable17/49€26k€7k▼

Amounts payable within one year42/48€26k€7k▼

Trade debts44€18k€4k▼

Suppliers440/4€18k€4k▼

Taxes, remuneration and social security45€1k-

Taxes450/3€1k-

Other amounts payable47/48€6k€3k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€1k▼

Other operating charges640/8€87-

Gross operating margin9900€-8k€-8k▼

Operating profit (loss)9901€-16k€-9k▲

Financial income75/76B€101€13k▲

Recurring financial income75€101€0▼

Non-recurring financial income76B-€13k

Financial charges65/66B€142€64▼

Recurring financial charges65€142€64▼

Profit (loss) for the period before taxes9903€-16k€4k▲

Profit (loss) for the period9904€-16k€4k▲

Profit (loss) for the period to be appropriated9905€-16k€4k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-10k€-6k▲

Profit (loss) brought forward from the previous period14P€7k€-10k▼

The notes to these accounts (6 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 5Financial 2Filings 3

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

2026

28-04

NBB filing Annual accounts filed

fiscal year 2025 · unclassified schema

2025

31-12

Financial Back to profitnet €4k

Net result €4k after one loss-making year.

15-05

NBB filing Annual accounts filed

fiscal year 2024 · unclassified schema

2024

31-12

Financial Weakest financial yearnet €-16k ▼344%

Net result drops to €-16k, the lowest in the series; recovery starts the following year.

10-05

NBB filing Annual accounts filed

fiscal year 2023 · unclassified schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Kelmis · 2 establishment units since 2023

establishment 1 of 2 establishment units 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.

Cité Belle-Vue 304720 Kelmis

Ground area

237 m²

Building footprint

69 m²

Volume, LiDAR

513 m³

Parcel 63040A1126/00A002, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

LÜBCKE & CO

Cité Belle-Vue 30, 4720 KelmisAgents in non-specialised wholesale trade

since 20232.345.889.174

Le Petit Café

Route de Liège 196, 4720 KelmisCafés and bars

since 20262.386.881.374

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63040A1126/00A002	Wallonia	237 m²	1 · 69 m²	8.8 m · 3 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Kelmis/La Calamine2.386.881.374

1 permission

Toelating · Eetgelegenheid · since 09-04-2026

Similar companies · same sector, comparable size

Geraardsbergen · Eq €9k

Of 8,562 companies in sector 43410 we hold annual accounts for 4,351. 2,104 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-06-2023

Fiscal year end31-12

Activities, NACEBEL

43410Roofing work

56301Cafés and bars

81300Landscape service activities

43230Insulation installation

43291Specialised construction activities

43421Specialised construction activities

43990Other specialised construction activities

43999Specialised construction activities

46190Agents in non-specialised wholesale trade

47120Other non-specialised retail sale

47910Retail trade

56112Limited-service restaurants, excluding mobile food services

81220Other building cleaning and industrial cleaning

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:dachdecker4you@gmail.com

Enterprise

Phone:0479/488106

Enterprise