LUCADVICE
ActiveLUCADVICE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304k and a net result of €94k. Equity is growing by ~45% per year across the filed fiscal years. Its solvency ranks better than 95% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 25.57 against 17.5 in 2024), and 3.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
96.1%
Return on assets
29.8%
Age of the figures
8 mo
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 13-04-2026, 109 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
109 d early
2024
50 d early
2023
29 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€304k▲ 44.9%
2024 · €209k
2023: €115k
2024: €209k
2023 → 2025
Total assets
€316k▲ 42.2%
2024 · €222k
2023: €131k
2024: €222k
2023 → 2025
Net result
€94k=
2024 · €94k
2023: €114k
2024: €94k
2023 → 2025
Working capital
€304k▲ 44.9%
2024 · €209k
2023: €115k
2024: €209k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€115k-€209k▲ 81.7%€304k▲ 44.9%
Operating result€147k-€123k▼ 16.4%€122k▼ 0.1%
Net result€114k-€94k▼ 17.2%€94k=
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 two years in a row; 2025 is 0% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €316k
Equity
€304k▲ 44.9%
Debt
€12k▼ 2.7%
The debt ratio falls from 5.7% to 3.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.1%▲
2024 · 94.3%
Current ratio
25.57▲
2024 · 17.50
Quick ratio
25.57▲
2024 · 17.50
Debt / equity
0.04▼
2024 · 0.06
ROE
31.0%▼
2024 · 45.0%
ROA
29.8%▼
2024 · 42.4%
Debt
€12k▼
2024 · €13k
Debt ≤ 1 year
€12k▼
2024 · €13k
Income taxes
€26k▲
2024 · €26k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€222k€316k▲
Current assets29/58€222k€316k▲
Amounts receivable within one year40/41€22k€40k▲
Trade receivables40€18k€40k▲
Other amounts receivable41€5k€10▼
Cash at bank and in hand54/58€199k€276k▲
Deferred charges and accrued income490/1€592€588▼
Equity and liabilities
Total equity and liabilities10/49€222k€316k▲
Equity10/15€209k€304k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€208k€302k▲
Amounts payable17/49€13k€12k▼
Amounts payable within one year42/48€13k€12k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Other amounts payable47/48-€22
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€208€569▲
Gross operating margin9900€123k€123k▲
Operating profit (loss)9901€123k€122k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€120k€120k▲
Income taxes67/77€26k€26k▲
Profit (loss) for the period9904€94k€94k=
Profit (loss) for the period to be appropriated9905€94k€94k=
Appropriation of the result
Profit (loss) to be appropriated9906€208k€302k▲
Profit (loss) brought forward from the previous period14P€114k€208k▲
The notes to these accounts (3 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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €94k ▼0%
Net result drops to €94k, the lowest in the series.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 17.50
Current ratio from 8.51 to 17.50; short-term debt falls from €15k to €13k.
31-12
Financial
Equity above €200kEq €209k ▲81.7%
2 profitable years in a row build equity to €209k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Fauvillers · 1 establishment unit since 2022
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.
Route de Warnach,Tintange 156637 FauvillersGround area
294 m²
Building footprint
148 m²
Volume, LiDAR
1,004 m³
Parcel 82030A0978/00C000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUCADVICE
since 20222.334.540.669
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82030A0978/00C000 | Wallonia | 294 m² | 1 · 148 m² | 8.9 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.
Similar companies · same sector, comparable size
Conscia Belgium NV
BE 0736.767.062
Antwerpen · Eq €304k
XYCLO
BE 0691.603.862
Antwerpen · Eq €304k
Consell
BE 0847.174.838
Hamme (Vl.) · Eq €303k
ECONOWEB
BE 0860.014.569
Tremelo · Eq €302k
DARE 2 MEASURE
BE 0835.928.281
Leuven · Eq €302k
Of 3,203 companies in sector 62900 we hold annual accounts for 1,735. 1,245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2022
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.