Equity
€1.4m from €2.7m in 2011
Equity fell by 49% in 14 years.
LUBENTOR
Lifetime
18 annual accounts with figures on one time axispeak €558,832 (2011)
€203,850▼ 7.9%
lowest -€1.2m (2013)
€120,692▼ 4.0%
peak €2.7m (2011)
€1.4m▲ 4.5%
€31,170▼ 73.4%
peak 1 FTE (2011)
-not published
Board1 name since 2021
1 directorFAES Kurt
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Dividend €60,000Debts from €117,001 to €31,170
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 66% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 57.61, cash €1.1m
Sector: Legal and accounting activities (NACE 69)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 87% of them on solvency, 97% on liquidity, 33% on profitability and 47% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as LUBENTOR has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of LUBENTOR itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for LUBENTOR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 57.61 (15.66 in 2024), above the usual 1.5. Short-term debt is 1.7% and cash 80% of total assets. 2.2% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
12 days late
2023
33 days early
2022
28 days early
2021
47 days early
2020
44 days early
2019
24 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Hove to Knokke-Heist
New registered office: Onze-Lieve-Vrouwstraat 18 bus 23, 8301 Knokke-Heist · Previous registered office: Leliestraat 84, 2540 Hove · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0896865265
Incorporation
published on 10-04-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LUBENTOR Knokke-Heist | €1.4m | €203,850 | 97.8% | - |
| Dirk VAN HEUVEN Kortrijk | €1.4m | €227,487 | 71.1% | - |
| BUYDENS MIREILLE,AVOCAT Watermael-Boitsfort | €1.5m | €207,356 | 96.3% | - |
| ARNAUD VANOEKEL Watermael-Boitsfort | €1.3m | €197,085 | 39.2% | - |
| YOURI STEVERLYNCK Antwerp | €1.3m | €215,736 | 66.3% | - |
| B-LAW SOCIETE D'AVOCATS Liège | €1.6m | €215,355 | 64.9% | - |
| Thierry Lambert Brussels | €1.4m | €205,349 | 51.4% | - |
These companies have the same main activity as LUBENTOR: activities of lawyers (NACE 69101). They are comparable in size and age: total assets between €1.3m and €1.6m, founded between 2007 and 2010.
Official details
Source: KBO- Status
- Active since 01-04-2008Normal situation
- Activity
- Activities of lawyersNACE 69101
- Joint committee
- 336Liberal professions · annual accounts 2025
- Establishment unit
- 2.231.624.8578301 Knokke-Heist, since 26-03-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 26-07-2024
Annual accounts 2025
- ≈ €360,000estimated
- €1.4m▼ 1.7%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 31-08-2026
Insights on LUBENTOR
LUBENTOR files the micro format. That format states no turnover. The gross margin rose from €8,962 in 2008 to €203,850 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LUBENTOR
- What is the company number of LUBENTOR?
- The company number of LUBENTOR is 0896.865.265. The VAT number is the same number with BE in front: BE 0896.865.265.
- Where is LUBENTOR based?
- The registered office is at O.-L.-Vrouwstraat 18, 8301 Knokke-Heist.Company details
- What does LUBENTOR do?
- According to the KBO register, the main activity is activities of lawyers (NACE 69101).
- What is the legal form of LUBENTOR?
- LUBENTOR is a private limited company (BV).
- When was LUBENTOR founded?
- LUBENTOR was founded on 01-04-2008.
- Is LUBENTOR still active?
- Yes, LUBENTOR is an active enterprise in the KBO register.
- How many employees does LUBENTOR have?
- LUBENTOR had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does LUBENTOR fall under?
- In its 2025 annual accounts, LUBENTOR states joint committee 336 (Liberal professions).
- What is the turnover of LUBENTOR?
- The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €203,850 and 38 comparable companies (NACE 691). It probably lies between €280,000 and €530,000.
- Is LUBENTOR profitable?
- In financial year 2025, LUBENTOR made a profit of €120,692.
- Where can I find the annual accounts of LUBENTOR?
- LUBENTOR filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LUBENTOR due?
- LUBENTOR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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