LUCKY PACK
ActiveSummary
LUCKY PACK has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €-24k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-21
Solvency44▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.21 in 2024; short-term debt: 80.4% and cash: 1.4% of total assets), and 80.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 8001 sector peers (2025).
NBB · sector comparisonPosition among 8001 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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
32 d late
2024
44 d early
2023
9 d early
2022
7 d late
2021
39 d early
2020
30 d early
2019
37 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€164k▼ 12.9%
2024 · €189k
2018: €259k
2019: €264k
2020: €354k
2021: €367k
2022: €214k
2023: €181k
2024: €189k
2018 → 2025
Total assets
€860k▲ 13.6%
2024 · €757k
2018: €942k
2019: €1.05M
2020: €1.15M
2021: €1.10M
2022: €936k
2023: €757k
2024: €757k
2018 → 2025
Net result
€-24k
2024 · €7k
2018: €132k
2019: €5k
2020: €90k
2021: €12k
2022: €-152k
2023: €-33k
2024: €7k
2018 → 2025
Working capital
€119k▲ 3.4%
2024 · €115k
2018: €179k
2019: €132k
2020: €221k
2021: €238k
2022: €103k
2023: €76k
2024: €115k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€367k-€214k▼ 41.6%€181k▼ 15.3%€189k▲ 4.0%€164k▼ 12.9%
Operating result€45k-€-146k€-20k▲ 86.1%€22k€-12k
Net result€12k-€-152k€-33k▲ 78.5%€7k€-24k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €860k
Fixed assets
€50k ▼ 44.0%
Current assets
€810k ▲ 21.2%
Equity and liabilities €860k
Equity
€164k ▼ 12.9%
Debt
€695k ▲ 22.4%
Debt's share of the balance-sheet total rises from 75.1% to 80.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€33k▼
2024 · €71k
Cash flow
€21k▼
2024 · €56k
Current ratio
1.17▼
2024 · 1.21
Quick ratio
0.94▲
2024 · 0.91
Debt to equity
4.23▲
2024 · 3.01
ROE
-14.9%▼
2024 · 3.8%
ROA
-2.8%▼
2024 · 1.0%
Interest coverage
2.84▼
2024 · 4.82
Debt ≤ 1 year
€691k▲
2024 · €553k
Debt > 1 year
€5k▼
2024 · €16k
Income taxes
€464▲
2024 · €407
Staff costs
€335k▼
2024 · €372k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€757k€860k▲
Fixed assets21/28€89k€50k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€89k€49k▼
Land and buildings22€7k€6k▼
Plant, machinery and equipment23€48k€41k▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€31k€0▼
Financial fixed assets28-€540
Current assets29/58€668k€810k▲
Stocks and contracts in progress3€167k€161k▼
Stocks30/36€18k€12k▼
Contracts in progress37€149k€149k=
Amounts receivable within one year40/41€458k€636k▲
Trade receivables40€297k€494k▲
Other amounts receivable41€161k€141k▼
Cash at bank and in hand54/58€41k€12k▼
Deferred charges and accrued income490/1€2k€911▼
Equity and liabilities
Total equity and liabilities10/49€757k€860k▲
Equity10/15€189k€164k▼
Contributions10/11€83k€83k=
Reserves13€284k€284k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€281k€281k=
Profit (loss) carried forward14€-178k€-202k▼
Amounts payable17/49€568k€695k▲
Amounts payable after more than one year17€16k€5k▼
Financial debts170/4€16k€5k▼
Amounts payable within one year42/48€553k€691k▲
Current portion of amounts payable after more than one year42€81k€38k▼
Financial debts43€105k€125k▲
Credit institutions430/8€105k€125k▲
Trade debts44€325k€471k▲
Suppliers440/4€325k€471k▲
Taxes, remuneration and social security45€40k€55k▲
Taxes450/3€9k€23k▲
Remuneration and social security454/9€32k€32k▲
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€372k€335k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€45k▼
Other operating charges640/8€21k€18k▼
Gross operating margin9900€464k€386k▼
Operating profit (loss)9901€22k€-12k▼
Financial income75/76B€2€10▲
Recurring financial income75€2€10▲
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€8k€-24k▼
Income taxes67/77€407€464▲
Profit (loss) for the period9904€7k€-24k▼
Profit (loss) for the period to be appropriated9905€7k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-178k€-202k▼
Profit (loss) brought forward from the previous period14P€-185k€-178k▲
Social balance
Average headcount (FTE)9087-6.1
The notes to these accounts (16 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 32 days late
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
2022
31-12
Financial
Weakest financial yearnet €-152k ▼1320%
Net result drops to €-152k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 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, Bornem · 1 establishment unit since 1995
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.
Puursesteenweg(BOR) 3922880 BornemGround area
3,742 m²
Building footprint
914 m²
Volume, LiDAR
5,309 m³
Parcel 12007C0296/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUCKY PACK
since 19952.069.855.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007C0296/00C000 | Flanders | 3,742 m² | 1 · 914 m² | 7.0 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
VDF CADO
BE 0441.640.109
Antwerpen · Eq €163,739
LEROUGE EN VERT
BE 0882.746.421
Moorslede · Eq €163,734
HACA-EUROPE
BE 0473.350.201
Berlare · Eq €163,552
FORMULE M
BE 0450.406.038
Dilbeek · Eq €167,444
LIBRAPLAY
BE 0810.264.160
Gent · Eq €168,060
Of 1,170 companies in sector 46499 we hold annual accounts for 743. 520 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-1994
Fiscal year end31-12
Activities, NACEBEL 2025
17250Manufacture of paper and paper products
46499Wholesale of other household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.