LUCATO
ActiveLUCATO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.46M and a net result of €80k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▲+4
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 43.98 against 27.93 in 2024), and 1.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
98.6%
Return on assets
5.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
36 d late
2023
65 d late
2022
32 d late
2021
75 d late
2020
89 d late
2019
59 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.46M▼ 1.4%
2024 · €1.48M
2018: €678k
2019: €809k
2020: €952k
2021: €1.24M
2022: €1.43M
2023: €1.52M
2024: €1.48M
2018 → 2025
Total assets
€1.48M▼ 2.2%
2024 · €1.52M
2018: €698k
2019: €820k
2020: €975k
2021: €1.29M
2022: €1.52M
2023: €1.53M
2024: €1.52M
2018 → 2025
Net result
€80k▲ 17.2%
2024 · €68k
2018: €107k
2019: €132k
2020: €143k
2021: €285k
2022: €195k
2023: €83k
2024: €68k
2018 → 2025
Working capital
€866k▼ 1.0%
2024 · €874k
2018: €68k
2019: €225k
2020: €368k
2021: €603k
2022: €820k
2023: €904k
2024: €874k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.24M-€1.43M▲ 15.8%€1.52M▲ 5.8%€1.48M▼ 2.1%€1.46M▼ 1.4%
Operating result€43k-€59k▲ 37.2%€57k▼ 3.3%€52k▼ 7.8%€47k▼ 10.5%
Net result€285k-€195k▼ 31.6%€83k▼ 57.6%€68k▼ 17.9%€80k▲ 17.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€598k▼ 2.0%
Current assets
€886k▼ 2.3%
Equity and liabilities €1.48M
Equity
€1.46M▼ 1.4%
Debt
€20k▼ 37.9%
The debt ratio falls from 2.1% to 1.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€48k▼
2024 · €53k
Cash flow
€81k▲
2024 · €69k
Solvency
98.6%▲
2024 · 97.9%
Current ratio
43.98▲
2024 · 27.93
Quick ratio
43.98▲
2024 · 27.93
Debt / equity
0.01▼
2024 · 0.02
ROE
5.4%▲
2024 · 4.6%
ROA
5.4%▲
2024 · 4.5%
Interest coverage
5.41▼
2024 · 5.59
Debt
€20k▼
2024 · €32k
Debt ≤ 1 year
€20k▼
2024 · €32k
Income taxes
€33k▲
2024 · €32k
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€1.52M€1.48M▼
Fixed assets21/28€610k€598k▼
Tangible fixed assets22/27€2k€4k▲
Furniture and vehicles24€2k€4k▲
Financial fixed assets28€608k€594k▼
Current assets29/58€906k€886k▼
Amounts receivable within one year40/41€26k€22k▼
Other amounts receivable41€26k€22k▼
Current investments50/53€773k€800k▲
Cash at bank and in hand54/58€107k€64k▼
Deferred charges and accrued income490/1€210€356▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.48M▼
Equity10/15€1.48M€1.46M▼
Contributions10/11€353k€353k=
Reserves13€1.13M€1.11M▼
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Distributable reserves133€1.11M€1.09M▼
Amounts payable17/49€32k€20k▼
Amounts payable within one year42/48€32k€20k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€15k€15k▼
Taxes450/3€15k€15k▼
Other amounts payable47/48€16k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€55k€49k▼
Operating profit (loss)9901€52k€47k▼
Financial income75/76B€57k€84k▲
Recurring financial income75€57k€84k▲
Financial charges65/66B€10k€19k▲
Recurring financial charges65€10k€9k▼
Non-recurring financial charges66B-€10k
Profit (loss) for the period before taxes9903€100k€112k▲
Income taxes67/77€32k€33k▲
Profit (loss) for the period9904€68k€80k▲
Profit (loss) for the period to be appropriated9905€68k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€80k▲
Transfer from equity791/2€100k€100k=
Transfer to equity691/2€68k€80k▲
To other reserves6921€68k€80k▲
Profit to be distributed694/7€100k€100k=
Return on contributions (dividend)694€100k€100k=
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 36 days late
2024
31-12
Financial
Weakest financial yearnet €68k ▼17.9%
Net result drops to €68k, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 65 days late
2023
31-12
Financial
Liquidity times 7current ratio 72.45
Current ratio from 10.20 to 72.45; short-term debt falls from €89k to €13k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 75 days late
2021
31-12
Financial
Highest result since 2018net €285k ▲99.4%
Net result €285k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.24M ▲30%
4 profitable years in a row build equity to €1.24M.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
31-12
Financial
Liquidity times 6current ratio 27.27
Current ratio from 4.67 to 27.27; short-term debt falls from €19k to €9k.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 68 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
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, Zemst · 1 establishment unit since 2016
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.
Driesstraat 1251982 ZemstGround area
1,000 m²
Building footprint
153 m²
Volume, LiDAR
902 m³
Parcel 23018C0124/00L002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUCATO
since 20162.249.108.514
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018C0124/00L002 | Flanders | 1,000 m² | 1 · 153 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
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VIVA TRANSPORT GROUP-ELEA
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Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 23,550 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-01-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.