Summary
LUCELE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €31,115 and a net result of €68,853. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 19% of 8211 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8211 sector peers (2025).
NBB · sector comparisonPosition among 8211 sector peers
Solvency
better than 19%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
61 d late
2022
1 d early
2021
27 d early
2020
24 d early
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€31,115▼ 77.4%
2024 · €137,561
Net result
€68,853▲ 10.4%
2024 · €62,347
Total assets
€229,680▲ 49.6%
2024 · €153,482
Solvency
13.5%▼ 76.1pp
2024 · 89.6%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€46,561▼ 7.3%€49,722▲ 6.8%€85,042▲ 71.0%€80,435▼ 5.4%€86,847▲ 8.0%
Net result€36,618within the sector's middle half▼ 3.4%€39,231within the sector's middle half▲ 7.1%€64,630within the sector's middle half▲ 64.7%€62,347within the sector's middle half▼ 3.5%€68,853within the sector's middle half▲ 10.4%
Equity€166,352within the sector's middle half▲ 41.8%€110,583within the sector's middle half▼ 33.5%€75,213within the sector's middle half▼ 32.0%€137,561within the sector's middle half▲ 82.9%€31,115below the sector's middle half▼ 77.4%
Total assets€179,821within the sector's middle half▲ 31.5%€215,847within the sector's middle half▲ 20.0%€105,425below the sector's middle half▼ 51.2%€153,482within the sector's middle half▲ 45.6%€229,680within the sector's middle half▲ 49.6%
Debt€13,469▼ 30.6%€105,264▲ 682%€30,212▼ 71.3%€15,922▼ 47.3%€198,565▲ 1,147%
Working capital€161,327above the sector's middle half▲ 54.0%€111,675within the sector's middle half▼ 30.8%€77,071within the sector's middle half▼ 31.0%€111,497within the sector's middle half▲ 44.7%€306within the sector's middle half▼ 99.7%
Solvency92.5%above the sector's middle half▲ 6.7pp51.2%within the sector's middle half▼ 41.3pp71.3%within the sector's middle half▲ 20.1pp89.6%above the sector's middle half▲ 18.3pp13.5%below the sector's middle half▼ 76.1pp
Current ratio16.56above the sector's middle half▲ 9.142.09within the sector's middle half▼ 14.473.84within the sector's middle half▲ 1.759.70above the sector's middle half▲ 5.851.00within the sector's middle half▼ 8.69
Return on assets (ROA)20.4%within the sector's middle half▼ 7.4pp18.2%within the sector's middle half▼ 2.2pp61.3%above the sector's middle half▲ 43.1pp40.6%above the sector's middle half▼ 20.7pp30.0%above the sector's middle half▼ 10.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229,680
Fixed assets
€34,910 ▲ 19.7%
Current assets
€194,770 ▲ 56.7%
Equity and liabilities €229,680
Equity
€31,115 ▼ 77.4%
Debt
€198,565 ▲ 1,147%
Debt's share of the balance-sheet total rises from 10.4% to 86.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
221.3%▲
2024 · 45.3%
Debt ≤ 1 year
€194,464▲
2024 · €12,821
Income taxes
€19,578▲
2024 · €17,916
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,569 | €7,323 | €766 | €3,869 | €8,178 | ▲ 111% |
| Other operating charges640/8 | €1,127 | €1,136 | €1,850 | €1,754 | €1,331 | ▼ 24.1% |
| Gross operating margin9900 | €55,257 | €58,181 | €87,658 | €86,058 | €96,356 | ▲ 12.0% |
| Operating profit (loss)9901 | €46,561 | €49,722 | €85,042 | €80,435 | €86,847 | ▲ 8.0% |
| Financial income75/76B | €927 | €2,011 | €3 | €63 | €1,763 | ▲ 2,685% |
| Recurring financial income75 | €927 | €2,011 | €3 | €63 | €1,763 | ▲ 2,685% |
| Financial charges65/66B | €65 | €57 | €2,056 | €235 | €179 | ▼ 23.8% |
| Recurring financial charges65 | €65 | €57 | €2,056 | €235 | €179 | ▼ 23.8% |
| Profit (loss) for the period before taxes9903 | €47,422 | €51,676 | €82,989 | €80,264 | €88,431 | ▲ 10.2% |
| Income taxes67/77 | €10,804 | €12,444 | €18,359 | €17,916 | €19,578 | ▲ 9.3% |
| Profit (loss) for the period9904 | €36,618 | €39,231 | €64,630 | €62,347 | €68,853 | ▲ 10.4% |
| Profit (loss) for the period to be appropriated9905 | €36,618 | €39,231 | €64,630 | €62,347 | €68,853 | ▲ 10.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €179,821 | €215,847 | €105,425 | €153,482 | €229,680 | ▲ 49.6% |
| Fixed assets21/28 | €8,125 | €2,009 | €1,244 | €29,165 | €34,910 | ▲ 19.7% |
| Tangible fixed assets22/27 | €8,125 | €2,009 | €1,244 | €29,165 | €34,910 | ▲ 19.7% |
| Furniture and vehicles24 | €4,159 | €2,009 | €1,244 | €478 | €0 | ▼ 100% |
| Other tangible fixed assets26 | €3,966 | - | - | €28,687 | €34,910 | ▲ 21.7% |
| Current assets29/58 | €171,696 | €213,838 | €104,181 | €124,318 | €194,770 | ▲ 56.7% |
| Amounts receivable after more than one year29 | €80,000 | €80,000 | - | €5,000 | €110,000 | ▲ 2,100% |
| Other amounts receivable291 | €80,000 | €80,000 | - | €5,000 | €110,000 | ▲ 2,100% |
| Amounts receivable within one year40/41 | €16,670 | €18,618 | €1,318 | €23,286 | €23,538 | ▲ 1.1% |
| Trade receivables40 | €15,049 | €16,940 | €1,263 | €23,286 | €23,538 | ▲ 1.1% |
| Other amounts receivable41 | €1,621 | €1,678 | €56 | €0 | - | - |
| Cash at bank and in hand54/58 | €73,024 | €113,375 | €101,601 | €95,448 | €60,444 | ▼ 36.7% |
| Deferred charges and accrued income490/1 | €2,001 | €1,845 | €1,263 | €584 | €788 | ▲ 35.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €179,821 | €215,847 | €105,425 | €153,482 | €229,680 | ▲ 49.6% |
| Equity10/15 | €166,352 | €110,583 | €75,213 | €137,561 | €31,115 | ▼ 77.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €147,752 | €91,983 | €56,613 | €118,961 | €12,515 | ▼ 89.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €145,892 | €90,123 | €56,613 | €118,961 | €12,515 | ▼ 89.5% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €13,469 | €105,264 | €30,212 | €15,922 | €198,565 | ▲ 1,147% |
| Amounts payable within one year42/48 | €10,368 | €102,163 | €27,111 | €12,821 | €194,464 | ▲ 1,417% |
| Trade debts44 | €2,410 | €1,792 | €2,902 | €2,832 | €4,826 | ▲ 70.4% |
| Suppliers440/4 | €2,410 | €1,792 | €2,902 | €2,832 | €4,826 | ▲ 70.4% |
| Taxes, remuneration and social security45 | €4,607 | €18,005 | €22,682 | €8,226 | €11,737 | ▲ 42.7% |
| Taxes450/3 | €4,607 | €18,005 | €22,682 | €8,226 | €7,487 | ▼ 9.0% |
| Remuneration and social security454/9 | - | - | - | - | €4,250 | - |
| Other amounts payable47/48 | €3,352 | €82,366 | €1,527 | €1,764 | €177,901 | ▲ 9,988% |
| Accrued charges and deferred income492/3 | €3,101 | €3,101 | €3,101 | €3,101 | €4,101 | ▲ 32.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,618 | €39,231 | €64,630 | €62,347 | €68,853 | ▲ 10.4% |
| + Depreciation and write-downs630 | €7,569 | €7,323 | €766 | €3,869 | €8,178 | ▲ 111% |
| Operating cash flow (approximation) | €44,187 | €46,554 | €65,396 | €66,216 | €77,031 | ▲ 16.3% |
| Investment in fixed assets (approximation) | - | -€1,207 | €0 | -€31,790 | -€13,923 | ▲ 56.2% |
| Change in cash | - | €40,350 | -€11,774 | -€6,153 | -€35,004 | ▼ 469% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €68,853 ▲10.4%
Operating result €86,847, net result €68,853, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 9.70
Current ratio from 3.84 to 9.70; short-term debt falls from €27,111 to €12,821.
31-12
Financial
Equity above €100,000Eq €137,561 ▲82.9%
7 profitable years in a row build equity to €137,561.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 16.56
Current ratio from 7.42 to 16.56; short-term debt falls from €16,312 to €10,368.
31-12
Financial
Equity above €150,000Eq €166,352 ▲41.8%
4 profitable years in a row build equity to €166,352.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €117,333 ▲47.7%
3 profitable years in a row build equity to €117,333.
Show earlier events
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 7.50
Current ratio from 2.71 to 7.50; short-term debt falls from €18,563 to €10,097.
12-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 73 days late
2018
28-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 89 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Dessel · 1 establishment unit since 2015
Ground area
3,074 m²
Building footprint
240 m²
Volume, LiDAR
1,603 m³
Parcel 13006B1011/00D000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUCELE
since 20152.245.743.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006B1011/00D000 | Flanders | 3,074 m² | 1 · 239 m² | 11.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,591 EUR awarded · 1,591 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 555 EUR | 555 EUR |
| 2024 | 1 | 93 EUR | 93 EUR |
| 2023 | 1 | 715 EUR | 715 EUR |
| 2022 | 1 | 228 EUR | 228 EUR |
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 8,893 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded15-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
86951Physiotherapy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0632466625
Also
9925:BE0632466625
Registered
08-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.