LUC & CO

Active

Private limited companyfounded 20214 yrs activeBergensesteenweg 24, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0778.861.203

Summary

The computed 12-month bankruptcy probability of LUC & CO is 4.5% (elevated). The 2026 annual accounts show equity of €66,361 and a net result of €15,496. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 370 sector peers (fiscal year 2026). The company has been active since 2021 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).

Risk analysisWatch Report Compare

LUC & COActiveChecked score 39/100

Risk analysis Report Compare

Activity

Other specialised construction activities

NACE 43990NACE 43999

1 site

Size

€113,722turnover 2026

Equity: €66,361
Profit: €15,496

Financial health

39 Weak Checked score 2026

Bankruptcy chance 12 m: 4.5%

Structure

Accounts on time0 of 3 deeds read

Why 39- Founded in 2021- Ex-officio strike-off in the KBO- Size: turnover €113,722, total assets €110,167- 1 of the last 3 lateShow the evidence

Checked score

Score 2026

39 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 44% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2025

Strong

Solvency 85-15

equity 60.2% of total assets

Liquidity 47+3

short-term debt 39.8% · cash 12.1%

Profitability 73-27

return on assets 14.1%

Bankruptcy probability, 12 months

4.5% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,513 companies)

Last 24 months 11-2024: 10.2% 12-2024: 10.2%● 0.0% vs 11-2024 01-2025: 10.2%● 0.0% vs 12-2024 02-2025: 10.2%▲ +0.2% vs 01-2025 03-2025: 10.2%▲ +0.6% vs 02-2025 04-2025: 10.2%● 0.0% vs 03-2025 05-2025: 10.2%● 0.0% vs 04-2025 06-2025: ≥ 25%▲ +155% vs 05-2025highest value 07-2025: 16.8%▼ -35.9% vs 06-2025 08-2025: ≥ 25%▲ +50.4% vs 07-2025 09-2025: 16.3%▼ -35.3% vs 08-2025 10-2025: 7.0%▼ -56.8% vs 09-2025 11-2025: 7.0%● 0.0% vs 10-2025 12-2025: 6.8%▼ -3.5% vs 11-2025 01-2026: 6.8%● 0.0% vs 12-2025 02-2026: 6.9%▲ +1.7% vs 01-2026 03-2026: 6.9%● 0.0% vs 02-2026 04-2026: 6.9%▼ -0.5% vs 03-2026 05-2026: 8.3%▲ +20.6% vs 04-2026 06-2026: 9.6%▲ +16.2% vs 05-2026 07-2026: 10.0%▲ +3.5% vs 06-2026 08-2026: 9.6%▼ -4.1% vs 07-2026 09-2026: 4.5%▼ -52.6% vs 08-2026lowest value 10-2026: 4.5%● 0.0% vs 09-2026lowest value

Founded in 2021 raises the probability for this profile
Ex-officio strike-off in the KBO raises the probability
Size: turnover €113,722, total assets €110,167 raises the probability for this profile
1 of the last 3 late raises the probability

Credit up to €2,500 at 30 days only on tighter terms

Liquidity ample (current ratio 2.51 against 4.14 in 2025; short-term debt: 39.8% and cash: 12.1% of total assets), and 39.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 66%, liquidity 37%, profitability 43%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

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

+raises risk○neutral

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Ex-officio strike-off in the KBO

In the bankruptcy model this factor raises the probability.

KBO publications

Size: turnover €113,722, total assets €110,167

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Latest accounts filed on time

The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 31-08-2026, 0 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2026

on the day

2025

19 d late

2024

269 d late

2023

608 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 224 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

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 publications

Publications

Address struckAddress strikeout annulled

Checked, nothing found (1)

The next deadline is still running

The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 23 January (3 of the last 4 filed years within 145 days of that day).

Companies Code · seven months

Position in the running window

07-10-2026 today31-01-2027 close31-08-2027 deadline