Skip to content

LUC DECROOS

Active
Private limited companyfounded 20197 yrs activeOostnieuwkerksesteenweg 40, 8800 Roeselare, BelgiumKBO/BCE: BE 0723.679.485
Summary

The computed 12-month bankruptcy probability of LUC DECROOS is 7.0% (elevated). The 2025 annual accounts show negative equity (-€303,857) and a net result of €11,155. Equity is shrinking by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 8% of 919 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
LUC DECROOSActiveChecked score 36/100
Risk analysis ReportCompare

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712
1 site
Size
€874,862turnover 2025
Staff
5.4 FTE
Equity
-€303,857
Profit
€11,155
Financial health
36 Weak Checked score 2025
Bankruptcy chance 12 m
7.0%
Structure
Accounts 30 d early0 of 2 deeds read
Why 36- Negative equity -€303,857- Sector Manufacture of food products (NACE 10)- Liquidity: current ratio 0.08- 2 of the last 3 lateShow the evidence

Checked score

Score 2025
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 51% of its sector peers (NACE 10, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 0=
equity -27.0% of total assets
Liquidity 70+34
short-term debt 33.6%
Profitability 74-6
return on assets 1.0%
Bankruptcy probability, 12 months
7.0% Elevated
0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.2% (3,041 companies)
Last 24 months 11-2024: 9.5% 12-2024: 10.1%▲ +6.2% vs 11-2024highest value 01-2025: 5.0%▼ -50.4% vs 12-2024 02-2025: 5.1%▲ +0.8% vs 01-2025 03-2025: 5.0%▼ -0.6% vs 02-2025 04-2025: 5.0%● 0.0% vs 03-2025 05-2025: 5.1%▲ +2.0% vs 04-2025 06-2025: 4.5%▼ -12.8% vs 05-2025 07-2025: 4.4%▼ -1.4% vs 06-2025 08-2025: 4.9%▲ +10.4% vs 07-2025 09-2025: 4.9%▲ +1.5% vs 08-2025 10-2025: 6.0%▲ +20.8% vs 09-2025 11-2025: 6.1%▲ +2.8% vs 10-2025 12-2025: 4.1%▼ -33.9% vs 11-2025lowest value 01-2026: 4.1%▲ +0.2% vs 12-2025 02-2026: 4.2%▲ +2.4% vs 01-2026 03-2026: 4.1%▼ -2.0% vs 02-2026 04-2026: 4.1%● 0.0% vs 03-2026 05-2026: 4.1%● +0.0% vs 04-2026 06-2026: 4.2%▲ +2.8% vs 05-2026 07-2026: 4.2%▲ +0.4% vs 06-2026 08-2026: 7.0%▲ +67.1% vs 07-2026 09-2026: 7.0%● 0.0% vs 08-2026 10-2026: 7.0%● 0.0% vs 09-2026
  • Negative equity -€303,857 raises the probability
  • Sector Manufacture of food products (NACE 10) raises the probability
  • Liquidity: current ratio 0.08 raises the probability
  • 2 of the last 3 late raises the probability
No credit on open account
Liquidity short (current ratio 0.08 against 0.18 in 2024; short-term debt: 33.6% of total assets), and equity is negative.
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 10, micro). Better than this share of them on solvency 6%, liquidity 76%, profitability 55%, growth against the median 66%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Negative equity -€303,857
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Manufacture of food products (NACE 10)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Liquidity: current ratio 0.08
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 919 sector peers (2025).
NBB · sector comparison
Position among 919 sector peers
Solvency
better than 8%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
30 d early
2024
104 d late
2023
126 d late
2022
269 d late
2021
86 d late
2020
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 98 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
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 12 November (4 of the last 5 filed years within 134 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Back to profitnet €17,345

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€303,857 View
  • Caution: Among the weakest 5% on equitysector median €260,410 · 919 companies -€303,857 View
  • Positive: Turnover rose in 2025from €698,971 to €874,862 ▲ 25.2% View

By topic

Financials

Fiscal year
2025
Turnover
€874,862
Profit
€11,155
Solvency
-27.0%
Turnover▲ 25.2%
Net result
20242025
Go to Financials

Timeline

Events
8
Since
2021
Next accounts
by 31-07-2027
  1. 01-07-2026Annual accounts filed
  2. 12-11-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
27-03-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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 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 What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure