LUCAM
ActiveLUCAM has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €8k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
98
/ 100
Excellent▲ +46 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+58
Solvency99▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 15.72 in 2024), and 35.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
64.3%
Return on assets
7.5%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
20 d late
2023
1 d early
2022
5 d early
2021
39 d early
2020
31 d early
2019
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▼ 28.9%
2024 · €91k
2018: €115k
2019: €125k
2020: €97k
2021: €95k
2022: €96k
2023: €108k
2024: €91k
2018 → 2025
Total assets
€101k▲ 3.9%
2024 · €97k
2018: €159k
2019: €172k
2020: €133k
2021: €142k
2022: €128k
2023: €130k
2024: €97k
2018 → 2025
Net result
€8k
2024 · €-16k
2018: €12k
2019: €10k
2020: €-28k
2021: €16k
2022: €1k
2023: €11k
2024: €-16k
2018 → 2025
Working capital
€60k▼ 29.3%
2024 · €85k
2018: €94k
2019: €100k
2020: €79k
2021: €71k
2022: €80k
2023: €99k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€96k▲ 1.4%€108k▲ 11.6%€91k▼ 15.1%€65k▼ 28.9%
Operating result€9k-€959▼ 89.3%€11k▲ 1,057%€-17k€11k
Net result€16k-€1k▼ 91.7%€11k▲ 745%€-16k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €17k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€5k▼ 24.2%
Current assets
€96k▲ 5.9%
Equity and liabilities €101k
Equity
€65k▼ 28.9%
Debt
€36k▲ 524%
The debt ratio rises from 5.9% to 35.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€13k▲
2024 · €-13k
Cash flow
€9k▲
2024 · €-12k
Solvency
64.3%▼
2024 · 94.1%
Current ratio
2.67▼
2024 · 15.72
Quick ratio
2.21▼
2024 · 11.41
Debt / equity
0.55▲
2024 · 0.06
ROE
11.6%▲
2024 · -17.8%
ROA
7.5%▲
2024 · -16.8%
Interest coverage
103.38▲
2024 · -136.78
Debt
€36k▲
2024 · €6k
Debt ≤ 1 year
€36k▲
2024 · €6k
Income taxes
€4k
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€97k€101k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Land and buildings22€354€265▼
Plant, machinery and equipment23€173€69▼
Furniture and vehicles24€844€478▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€91k€96k▲
Stocks and contracts in progress3€25k€17k▼
Stocks30/36€25k€17k▼
Amounts receivable within one year40/41€12k€28k▲
Trade receivables40€7k€15k▲
Other amounts receivable41€6k€12k▲
Cash at bank and in hand54/58€53k€52k▼
Deferred charges and accrued income490/1€588€0▼
Equity and liabilities
Total equity and liabilities10/49€97k€101k▲
Equity10/15€91k€65k▼
Contributions10/11€6k€6k=
Reserves13€128k€59k▼
Distributable reserves133€128k€59k▼
Profit (loss) carried forward14€-43k€0▲
Amounts payable17/49€6k€36k▲
Amounts payable within one year42/48€6k€36k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Advances received on contracts in progress46-€133
Other amounts payable47/48€2k€34k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€1k€6k▲
Gross operating margin9900€-12k€19k▲
Operating profit (loss)9901€-17k€11k▲
Financial income75/76B€750€287▼
Recurring financial income75€750€287▼
Financial charges65/66B€93€126▲
Recurring financial charges65€93€126▲
Profit (loss) for the period before taxes9903€-16k€12k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-16k€8k▲
Profit (loss) for the period to be appropriated9905€-16k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-35k▲
Profit (loss) brought forward from the previous period14P€-26k€-43k▼
Transfer from equity791/2-€76k
Transfer to equity691/2€0€8k▲
To other reserves6921€0€8k▲
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€34k
The notes to these accounts (15 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 15.72
Current ratio from 5.43 to 15.72; short-term debt falls from €22k to €6k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €108k ▲11.6%
3 profitable years in a row build equity to €108k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-28k ▼372%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oud-Turnhout · 1 establishment unit since 2002
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.
Kluisstraat 182360 Oud-TurnhoutGround area
1,721 m²
Building footprint
122 m²
Volume, LiDAR
773 m³
Parcel 13031C1190/00L000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lucam
since 20022.101.583.291
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13031C1190/00L000 | Flanders | 1,721 m² | 1 · 122 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 345 EUR awarded · 345 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 345 EUR | 345 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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Of 22,729 companies in sector 43211 we hold annual accounts for 10,274. 8,693 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2002
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
45310
33110Repair and maintenance of fabricated metal products
51100Air transport
52720
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.