Lubicon
ActiveLubicon has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €476k and a net result of €22k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 1893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+23
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 4.13 against 6.16 in 2024), and 19.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
80.2%
Return on assets
3.6%
Age of the figures
8 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 31-08-2026, 31 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
31 d late
2024
30 d late
2023
59 d late
2022
31 d late
2021
31 d late
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2021 · €0
2020: €108k
2021: €0
2020 → 2022
EBIT margin
19.3%
Net result
€22k
2024 · €-2k
2018: €2k
2019: €14k
2020: €8k
2021: €27k
2022: €240k
2023: €-21k
2024: €-2k
2018 → 2025
Working capital
€176k▼ 3.4%
2024 · €182k
2018: €18k
2019: €51k
2020: €39k
2021: €57k
2022: €283k
2023: €252k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€299k-€539k▲ 80.4%€518k▼ 3.9%€467k▼ 9.9%€476k▲ 1.9%
Operating result€46k-€503k▲ 1,004%€-16k€707€27k▲ 3,766%
Net result€27k-€240k▲ 780%€-21k€-2k▲ 88.9%€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3,766% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594k
Fixed assets
€361k▼ 2.6%
Current assets
€232k▲ 6.8%
Equity and liabilities €594k
Equity
€476k▲ 1.9%
Debt
€118k▼ 2.9%
The debt ratio falls from 20.6% to 19.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▲
2024 · €13k
Cash flow
€35k▲
2024 · €10k
Solvency
80.2%▲
2024 · 79.4%
Current ratio
4.13▼
2024 · 6.16
Quick ratio
4.13▼
2024 · 6.16
Debt / equity
0.25▼
2024 · 0.26
ROE
4.5%▲
2024 · -0.5%
ROA
3.6%▲
2024 · -0.4%
Interest coverage
11.90▲
2024 · 3.16
Debt
€118k▼
2024 · €121k
Debt ≤ 1 year
€56k▲
2024 · €35k
Debt > 1 year
€54k▼
2024 · €79k
Income taxes
€4k▲
2024 · €192
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€588k€594k▲
Fixed assets21/28€371k€361k▼
Tangible fixed assets22/27€291k€282k▼
Land and buildings22€285k€274k▼
Plant, machinery and equipment23€672€564▼
Furniture and vehicles24€5k€7k▲
Financial fixed assets28€80k€80k=
Current assets29/58€217k€232k▲
Amounts receivable after more than one year29€40k€40k=
Other amounts receivable291€40k€40k=
Amounts receivable within one year40/41€24k€104k▲
Trade receivables40€23k€104k▲
Other amounts receivable41€2k€712▼
Current investments50/53€61k€61k=
Cash at bank and in hand54/58€90k€25k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€588k€594k▲
Equity10/15€467k€476k▲
Contributions10/11€6k€6k=
Reserves13€378k€387k▲
Distributable reserves133€378k€387k▲
Profit (loss) carried forward14€83k€83k=
Amounts payable17/49€121k€118k▼
Amounts payable after more than one year17€79k€54k▼
Financial debts170/4€79k€54k▼
Amounts payable within one year42/48€35k€56k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Trade debts44€3k€11k▲
Suppliers440/4€3k€11k▲
Taxes, remuneration and social security45€3k€13k▲
Taxes450/3€3k€13k▲
Other amounts payable47/48€5k€7k▲
Accrued charges and deferred income492/3€7k€7k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€123-
Gross operating margin9900€16k€43k▲
Operating profit (loss)9901€707€27k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-2k€25k▲
Income taxes67/77€192€4k▲
Profit (loss) for the period9904€-2k€22k▲
Profit (loss) for the period to be appropriated9905€-2k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€104k▲
Profit (loss) brought forward from the previous period14P€85k€83k▼
Transfer from equity791/2€49k€13k▼
Transfer to equity691/2-€22k
To other reserves6921-€22k
Profit to be distributed694/7€49k€13k▼
Return on contributions (dividend)694€49k€13k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
31-12
Financial
Weakest financial yearnet €-21k ▼109%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €240k ▲780%
Operating result €503k, net result €240k, both a record.
31-12
Financial
Liquidity times 6current ratio 9.09
Current ratio from 1.63 to 9.09; short-term debt falls from €90k to €35k.
31-12
Financial
Equity above €500kEq €539k ▲80.4%
5 profitable years in a row build equity to €539k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lubbeek · 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.
Grotendries(LUB) 313210 LubbeekGround area
1,991 m²
Building footprint
167 m²
Volume, LiDAR
1,161 m³
Parcel 24066G0119/00D000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lubicon
since 20122.213.643.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066G0119/00D000 | Flanders | 1,990 m² | 1 · 167 m² | 9.7 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 270 EUR awarded · 270 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 270 EUR | 270 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2012
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.