LUC KEYZER ADVOCAAT
ActiveSummary
LUC KEYZER ADVOCAAT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €9k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-12
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 12.19 against 5.27 in 2024; short-term debt: 8% and cash: 64.4% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
92%
Return on assets
3.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-01-2026, 13 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
13 d early
2024
3 d late
2023
14 d early
2022
1 d early
2021
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€222k▲ 4.4%
2024 · €213k
2021: €82k
2022: €130k
2023: €178k
2024: €213k
2021 → 2025
Total assets
€242k▼ 6.7%
2024 · €259k
2021: €144k
2022: €171k
2023: €204k
2024: €259k
2021 → 2025
Net result
€9k▼ 73.4%
2024 · €35k
2021: €77k
2022: €48k
2023: €48k
2024: €35k
2021 → 2025
Working capital
€215k▲ 9.9%
2024 · €196k
2021: €43k
2022: €100k
2023: €156k
2024: €196k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€130k▲ 58.2%€178k▲ 37.3%€213k▲ 19.6%€222k▲ 4.4%
Operating result€108k-€75k▼ 31.1%€73k▼ 2.0%€54k▼ 25.9%€16k▼ 70.8%
Net result€77k-€48k▼ 38.0%€48k▲ 1.5%€35k▼ 28.0%€9k▼ 73.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€7k ▼ 58.3%
Current assets
€234k ▼ 3.0%
Equity and liabilities €242k
Equity
€222k ▲ 4.4%
Debt
€19k ▼ 58.0%
Debt's share of the balance-sheet total falls from 17.7% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €64k
Cash flow
€19k▼
2024 · €45k
Current ratio
12.19▲
2024 · 5.27
Debt to equity
0.09▼
2024 · 0.21
ROE
4.2%▼
2024 · 16.4%
ROA
3.8%▼
2024 · 13.5%
Interest coverage
204.78▼
2024 · 927.04
Debt ≤ 1 year
€19k▼
2024 · €46k
Income taxes
€7k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€259k€242k▼
Fixed assets21/28€17k€7k▼
Tangible fixed assets22/27€17k€7k▼
Furniture and vehicles24€17k€7k▼
Current assets29/58€242k€234k▼
Amounts receivable within one year40/41€77k€76k▼
Other amounts receivable41€77k€76k▼
Cash at bank and in hand54/58€162k€156k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€259k€242k▼
Equity10/15€213k€222k▲
Contributions10/11€5k€5k=
Reserves13€208k€217k▲
Distributable reserves133€208k€217k▲
Profit (loss) carried forward14€98€103▲
Amounts payable17/49€46k€19k▼
Amounts payable within one year42/48€46k€19k▼
Trade debts44€22k€10k▼
Suppliers440/4€22k€10k▼
Taxes, remuneration and social security45€22k€9k▼
Taxes450/3€22k€9k▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€635€670▲
Gross operating margin9900€65k€27k▼
Operating profit (loss)9901€54k€16k▼
Financial income75/76B€682€826▲
Recurring financial income75€682€826▲
Financial charges65/66B€69€127▲
Recurring financial charges65€69€127▲
Profit (loss) for the period before taxes9903€55k€17k▼
Income taxes67/77€20k€7k▼
Profit (loss) for the period9904€35k€9k▼
Profit (loss) for the period to be appropriated9905€35k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€9k▼
Profit (loss) brought forward from the previous period14P€73€98▲
Transfer to equity691/2€35k€9k▼
To other reserves6921€35k€9k▼
The notes to these accounts (4 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
18-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €9k ▼73.4%
Net result drops to €9k, the lowest in the series.
30-06
Financial
Liquidity doublescurrent ratio 12.19
Current ratio from 5.27 to 12.19; short-term debt falls from €46k to €19k.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Equity above €200kEq €213k ▲19.6%
4 profitable years in a row build equity to €213k.
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity doublescurrent ratio 7.05
Current ratio from 3.42 to 7.05; short-term debt falls from €41k to €26k.
30-06
Financial
Equity above €150kEq €178k ▲37.3%
3 profitable years in a row build equity to €178k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 3.42
Current ratio from 1.69 to 3.42; short-term debt falls from €62k to €41k.
30-06
Financial
Equity above €100kEq €130k ▲58.2%
2 profitable years in a row build equity to €130k.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schoten · 1 establishment unit since 2019
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.
Alfons Servaislei 912900 SchotenGround area
2,193 m²
Building footprint
351 m²
Volume, LiDAR
1,317 m³
Parcel 11040D0164/00V008, Flanders · tallest building 19.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LUC KEYZER ADVOCAAT
since 20192.299.968.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0164/00V008 | Flanders | 2,193 m² | 1 · 351 m² | 19.1 m · 1 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.
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ODIGO ADVOCATEN HASSELT
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,114 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2019
Fiscal year end30-06
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.