LUC TOUSSAINT EXPERT - COMPTABLE
ActiveSummary
LUC TOUSSAINT EXPERT - COMPTABLE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315k and a net result of €7k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency88▼-12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 6.62 in 2024; short-term debt: 37.5% and cash: 57.1% of total assets), and 37.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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
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
62.5%
Return on assets
1.4%
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 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
1 d early
2023
1 d early
2022
22 d early
2021
on the day
2019
9 d early
2018
1 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
€315k▼ 30.2%
2024 · €451k
2019: €171k
2021: €224k
2022: €283k
2023: €321k
2024: €451k
2019 → 2025
Total assets
€504k▼ 4.5%
2024 · €527k
2019: €312k
2021: €403k
2022: €393k
2023: €404k
2024: €527k
2019 → 2025
Net result
€7k▼ 95.4%
2024 · €150k
2019: €24k
2021: €108k
2022: €76k
2023: €56k
2024: €150k
2019 → 2025
Working capital
€305k▼ 29.0%
2024 · €430k
2019: €165k
2021: €171k
2022: €238k
2023: €282k
2024: €430k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€224k-€283k▲ 26.2%€321k▲ 13.4%€451k▲ 40.5%€315k▼ 30.2%
Operating result€147k-€107k▼ 26.7%€80k▼ 25.7%€215k▲ 169%€6k▼ 97.3%
Net result€108k-€76k▼ 29.7%€56k▼ 26.3%€150k▲ 168%€7k▼ 95.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 97% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €504k
Fixed assets
€10k ▼ 54.4%
Current assets
€494k ▼ 2.5%
Equity and liabilities €504k
Equity
€315k ▼ 30.2%
Debt
€189k ▲ 147%
Debt's share of the balance-sheet total rises from 14.5% to 37.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17k▼
2024 · €232k
Cash flow
€18k▼
2024 · €168k
Current ratio
2.62▼
2024 · 6.62
Debt to equity
0.60▲
2024 · 0.17
ROE
2.2%▼
2024 · 33.2%
ROA
1.4%▼
2024 · 28.4%
Interest coverage
12.75▼
2024 · 170.63
Debt ≤ 1 year
€189k▲
2024 · €76k
Income taxes
€4k▼
2024 · €66k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€527k€504k▼
Fixed assets21/28€21k€10k▼
Tangible fixed assets22/27€21k€10k▼
Furniture and vehicles24€21k€10k▼
Current assets29/58€506k€494k▼
Amounts receivable within one year40/41€200k€206k▲
Trade receivables40€169k€136k▼
Other amounts receivable41€30k€70k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€107k€288k▲
Equity and liabilities
Total equity and liabilities10/49€527k€504k▼
Equity10/15€451k€315k▼
Contributions10/11€14k€14k=
Reserves13€422k€286k▼
Distributable reserves133€422k€286k▼
Profit (loss) carried forward14€15k€15k▲
Amounts payable17/49€76k€189k▲
Amounts payable within one year42/48€76k€189k▲
Current portion of amounts payable after more than one year42€24k€23k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€30k€19k▼
Taxes450/3€30k€19k▼
Other amounts payable47/48€20k€143k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€11k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€11k€2k▼
Gross operating margin9900€246k€19k▼
Operating profit (loss)9901€215k€6k▼
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€216k€11k▼
Income taxes67/77€66k€4k▼
Profit (loss) for the period9904€150k€7k▼
Profit (loss) for the period to be appropriated9905€150k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€164k€22k▼
Profit (loss) brought forward from the previous period14P€14k€15k▲
Transfer from equity791/2€20k€143k▲
Transfer to equity691/2€149k€7k▼
To other reserves6921€149k€7k▼
Profit to be distributed694/7€20k€143k▲
Return on contributions (dividend)694€20k€143k▲
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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €7k ▼95.4%
Net result drops to €7k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €150k ▲168%
Operating result €215k, net result €150k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €224k ▲31.3%
2 profitable years in a row build equity to €224k.
2020
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
07-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herve · 1 establishment unit since 2009
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.
Rue d'Elvaux 17B4650 HerveGround area
1,529 m²
Building footprint
705 m²
Volume, LiDAR
7,799 m³
Parcel 63035A0766/02P000, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LUC TOUSSAINT EXPERT-COMPTABLE
since 20092.228.093.265
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63035A0766/02P000 | Wallonia | 1,529 m² | 1 · 705 m² | 13.2 m · 4 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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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,025 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
Founded15-01-2009
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.