Equity
€126,804 from €212,872 in 2021
Equity fell by 40% in 4 years.
LUCCO INVEST
Lifetime
9 annual accounts with figures on one time axispeak €136,458 (2019)
-€3,050▲ €627
lowest -€28,665 (2025)
-€28,665▼ €2,195
peak €212,872 (2021)
€126,804▼ 18.4%
€1.3m▲ 3.4%
Board1 name since 2017
1 directorDevriese Luc
Documentsfilings and deeds
31-07-2026on the last day
2025abbreviated format
Gross margin from -€3,676 to -€3,050Loss of €28,665Equity from €155,469 to €126,804Cash from €2,486 to €922
Key points
from the 2025 annual accountsLosses
-€86,068 in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€1.3m 91% of the balance sheet
Financial debts 11%Suppliers 0%Other 88%
Of this, €1.3m falls due within a year.
Turnover not published (abbreviated or micro format)
Checked score
68
Healthy
Financially stronger than 20% of micro companies in real estate (NACE 68)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024lowest value
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▲ +0.2 percentage points vs 07-2025
09-2025: 0.7%▲ +0.2 percentage points vs 08-2025highest value
10-2025: 0.5%▼ -0.2 percentage points vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.2 percentage points vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.11, cash €922, halved
Equity €126,804 (8.8% of total assets)
lowers risk
Size: total assets €1.4m
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 30% of them on solvency, 2% on liquidity, 28% on profitability and 22% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 819 companies had the same profile as LUCCO INVEST has now. Each dot stands for 3 companies, two years later.
94.7%
were still trading
3.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LUCCO INVEST itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 819 companies, not a prediction for LUCCO INVEST. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.11 (1.14 in 2024), below the usual 1.5. Short-term debt is 90% and cash 0.1% of total assets. 91.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€28,665
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
29 days late
2023
on the day
2022
105 days early
2021
31 days late
2020
27 days late
2019
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0672815358
Environmental permit granted
Bouwen of herbouwen, Slopen van niet vrijstaande gebouwen of constructies · Damme
Incorporation
published on 31-03-2017 · Gazette deed
First establishment
Graaf Jansdijk 288, Knokke-Heist
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LUCCO INVEST Knokke-Heist | - | - | 8.8% | - |
| DGR Offices Roeselare | €0.7m | -0.4% | 27.5% | 0 |
| KERN DEVELOPMENT Roeselare | - | - | -75.2% | - |
| KOS BOUW Koksijde | - | - | 22.8% | - |
| COVABOUW Wielsbeke | - | - | 4.0% | - |
| ENTER GREEN AVENUE Waregem | - | - | 2.6% | - |
| PIONIER CONSTRUCT Waregem | €1.8m | -13.9% | -53.3% | 0 |
These companies have the same main activity as LUCCO INVEST: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €1.2m and €1.7m, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 20-03-2017Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Establishment unit
- 2.263.079.1858300 Knokke-Heist, since 20-03-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 21-02-2025
Annual accounts 2025
- €1.4m▲ 1.0%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on LUCCO INVEST
LUCCO INVEST files the abbreviated format. That format states no turnover. The gross margin fell from -€247 in 2017 to -€3,050 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LUCCO INVEST
- What is the company number of LUCCO INVEST?
- The company number of LUCCO INVEST is 0672.815.358. The VAT number is the same number with BE in front: BE 0672.815.358.
- Where is LUCCO INVEST based?
- The registered office is at Graaf Jansdijk 288, 8300 Knokke-Heist.Company details
- What does LUCCO INVEST do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of LUCCO INVEST?
- LUCCO INVEST is a private limited company (pre-2019) (BVBA).
- When was LUCCO INVEST founded?
- LUCCO INVEST was founded on 20-03-2017.
- Is LUCCO INVEST still active?
- Yes, LUCCO INVEST is an active enterprise in the KBO register.
- What is the turnover of LUCCO INVEST?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is LUCCO INVEST profitable?
- In financial year 2025, LUCCO INVEST made a loss of €28,665.
- Where can I find the annual accounts of LUCCO INVEST?
- LUCCO INVEST filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LUCCO INVEST due?
- LUCCO INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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