Equity
€37,397 from €85,867 in 2020
Equity fell by 56% in 5 years.
Lucker
Lifetime
20 annual accounts with figures on one time axis, 28 filings since 1998peak €96,074 (2020)
-€1,452▼ €48,247
lowest -€52,407 (2016)
-€42,832▼ €53,194
peak €85,867 (2020)
€37,397▼ 53.4%
€210,731▲ 28.9%
peak 0.3 FTE (2006)
-not published
Board2 names since 1998
2 directorsKoen Lucker and 1 other
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from €46,795 to -€1,452Loss of €42,832Equity from €80,228 to €37,397Debts from €163,541 to €210,731Cash from €26,495 to €4,491
Key points
from the 2025 annual accountsResult
-€42,832 -€42,832
From profit to loss in 2025, after a profit of €10,362 in 2024.
Debts
€210,731 85% of the balance sheet
Financial debts 32%Suppliers 40%Taxes and wages 3%Other 25%
Of this, €138,120 falls due within a year.
Liquidity
1.23 was 2.06 in 2024
Short-term debts rose from €65,030 to €138,120.
Filings
28 annual accounts since 1998
The 2016 accounts came 4 days late. The other nine of the last ten were filed on time.
Position in the sector
-€42,832
Lower net result than 95% of companies in personal services. Sector median €2,797 · 5,760 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 20% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%▼ -0.2 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.9%▲ +0.7 percentage points vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.9%● unchanged vs 09-2026highest value
11-2026: 0.9%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Loss of €42,832 (financial year 2025)
Equity €37,397 (15.1% of total assets)
lowers risk
Size: total assets €248,127
Founded in 1998
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 96, micro). It does better than 41% of them on solvency, 19% on liquidity, 9% on profitability and 13% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 1,221 companies had the same profile as Lucker has now. Each dot stands for 4 companies, two years later.
88.6%
were still trading
7.4%
stopped another way
3.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Lucker itself: 0.9% 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 1,221 companies, not a prediction for Lucker. 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 €1,500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.23 (2.06 in 2024), below the usual 1.5. Short-term debt is 55.7% and cash 1.8% of total assets. 84.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
3 days early
2023
51 days early
2022
7 days early
2021
12 days early
2020
25 days early
2019
15 days early
← 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 16 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% 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 24 July (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
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0463449667
Changes of role: Katia Lambert (director) and Koen Lucker (statutory director)
Director discharge: Katia Lambert · Director discharge: Koen Lucker · General meeting of 05-11-2020 · Gazette deed
New establishment in Bruges
SUPER SUN, Blankenbergse Steenweg 110
New establishment in Bruges
SUPER SUN, Dampoortstraat 111
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lucker Zuienkerke | €248,127 | -€1,452 | 15.1% | - |
| GIDWI Grobbendonk | €224,549 | -€4,108 | -131.4% | - |
| Colmath Hasselt | €406,902 | -€41,857 | 71.4% | - |
| DUCAN Waregem | €233,788 | -€59,595 | -121.1% | - |
| CAPITAL BIEN ETRE Namur | €241,741 | -€3,451 | 56.4% | 0.5 |
| SANER Malle | €114,312 | -€15,193 | -60.9% | - |
| The Wall Poperinge | €548,899 | -€11,808 | 8.6% | - |
These companies have the same main activity as Lucker: day spas, saunas and steam baths (NACE 96230). They are comparable in size and age: total assets between €114,000 and €549,000, founded between 1987 and 2008.
Official details
Source: KBO- Status
- Active since 28-05-1998Normal situation
- Activity
- Day spas, saunas and steam bathsNACE 96230and 4 others
- Establishment units
- 2.088.028.5328377 Zuienkerke, since 17-08-1998
- 2.254.902.2838310 Bruges, since 28-04-2016and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2025
Annual accounts 2025
- €248,127▲ 1.8%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on Lucker
Lucker files the micro format. That format states no turnover. The gross margin fell from €51,276 in 2006 to -€1,452 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 Lucker
- What is the company number of Lucker?
- The company number of Lucker is 0463.449.667. The VAT number is the same number with BE in front: BE 0463.449.667.
- Where is Lucker based?
- The registered office is at Doelhofstraat 6, 8377 Zuienkerke.Company details
- What does Lucker do?
- According to the KBO register, the main activity is day spas, saunas and steam baths (NACE 96230).
- What is the legal form of Lucker?
- Lucker is a private limited company (BV).
- When was Lucker founded?
- Lucker was founded on 28-05-1998.
- Is Lucker still active?
- Yes, Lucker is an active enterprise in the KBO register.
- What is the turnover of Lucker?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Lucker profitable?
- In financial year 2025, Lucker made a loss of €42,832.
- Where can I find the annual accounts of Lucker?
- Lucker filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Lucker due?
- Lucker must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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