LUC MOONEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €569k and a net result of €147k. Equity is growing by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 3325 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
35 d early
2022
34 d early
2021
15 d early
2020
23 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€569k▲ 35.0%
2023 · €421k
2018: €53k
2019: €87k
2020: €161k
2021: €233k
2022: €326k
2023: €421k
2018 → 2024
Net result
€147k▲ 55.3%
2023 · €95k
2018: €75k
2019: €63k
2020: €102k
2021: €172k
2022: €93k
2023: €95k
2018 → 2024
Total assets
€798k▲ 40.0%
2023 · €570k
2018: €198k
2019: €172k
2020: €389k
2021: €550k
2022: €516k
2023: €570k
2018 → 2024
Solvency
71.2%▼ 2.6pp
2023 · 73.9%
2018: 26.8%
2019: 50.7%
2020: 41.5%
2021: 42.4%
2022: 63.3%
2023: 73.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€161k-€233k▲ 44.5%€326k▲ 39.8%€421k▲ 29.1%€569k▲ 35.0%
Operating result€149k-€266k▲ 78.4%€154k▼ 42.3%€123k▼ 19.7%€222k▲ 79.9%
Net result€102k-€172k▲ 68.1%€93k▼ 45.9%€95k▲ 2.1%€147k▲ 55.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 80% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €798k
Fixed assets
€241k▲ 11.2%
Current assets
€557k▲ 57.7%
Equity and liabilities €798k
Equity
€569k▲ 35.0%
Debt
€230k▲ 54.2%
The debt ratio rises from 26.1% to 28.8%. Equity and debt are higher.
Key figures and ratios
Solvency
71.2%▼
2023 · 73.9%
ROE
25.9%▲
2023 · 22.5%
ROA
18.5%▲
2023 · 16.7%
Debt
€230k▲
2023 · €149k
Debt ≤ 1 year
€157k▲
2023 · €48k
Debt > 1 year
€70k▼
2023 · €98k
Income taxes
€75k▲
2023 · €29k
Staff costs
€107k▲
2023 · €106k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€570k€798k▲
Fixed assets21/28€217k€241k▲
Tangible fixed assets22/27€217k€206k▼
Land and buildings22€146k€137k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€67k€64k▼
Financial fixed assets28-€36k
Current assets29/58€353k€557k▲
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Current investments50/53€205k€367k▲
Cash at bank and in hand54/58€113k€155k▲
Deferred charges and accrued income490/1€33k€35k▲
Equity and liabilities
Total equity and liabilities10/49€570k€798k▲
Equity10/15€421k€569k▲
Contributions10/11€12k€12k=
Reserves13€409k€556k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€407k€554k▲
Amounts payable17/49€149k€230k▲
Amounts payable after more than one year17€98k€70k▼
Financial debts170/4€98k€70k▼
Amounts payable within one year42/48€48k€157k▲
Current portion of amounts payable after more than one year42-€16k
Financial debts43-€93k
Credit institutions430/8-€93k
Trade debts44€17k€20k▲
Suppliers440/4€17k€20k▲
Taxes, remuneration and social security45€24k€27k▲
Taxes450/3€7k€11k▲
Remuneration and social security454/9€18k€16k▼
Other amounts payable47/48€7k€1k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Non-recurring operating income76A-€14k
Remuneration, social security and pensions62€106k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€257k€355k▲
Operating profit (loss)9901€123k€222k▲
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€124k€222k▲
Income taxes67/77€29k€75k▲
Profit (loss) for the period9904€95k€147k▲
Profit (loss) for the period to be appropriated9905€95k€147k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€147k▲
Transfer to equity691/2€95k€147k▲
To other reserves6921€95k€147k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €569k ▲35%
7 profitable years in a row build equity to €569k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 7.34
Current ratio from 3.38 to 7.34; short-term debt falls from €91k to €48k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €172k ▲68.1%
Operating result €266k, net result €172k, both a record.
31-12
Financial
Equity above €200kEq €233k ▲44.5%
4 profitable years in a row build equity to €233k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €161k ▲84.8%
3 profitable years in a row build equity to €161k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €63k ▼16%
Net result drops to €63k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
12-01-2026
Ann Cools: Resigned as Director
20-11-2020
MOONEN Luc Jacob Jozef: Resigned as Manager
16-03-2018
Elke Demeyere: Resigned as Manager
Location & real-estate footprint
Registered office, Puurs-Sint-Amands · 1 establishment unit since 2010
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.
Kerkhofstraat 162870 Puurs-Sint-AmandsGround area
254 m²
Building footprint
118 m²
Volume, LiDAR
661 m³
Parcel 12030B0354/00D002, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUC MOONEN
since 20102.194.152.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030B0354/00D002 | Flanders | 253 m² | 1 · 118 m² | 10.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600E7JU6ZAD1LXM63
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Of 63 companies in sector 66110 we hold annual accounts for 37. 25 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2010
Fiscal year end31-12
Activities, NACEBEL
66110Activities auxiliary to financial services and insurance activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.