Luco Management
ActiveLuco Management is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €459k and a net result of €197k. Equity is growing by ~48% per year across the filed fiscal years. Its solvency ranks better than 63% of 9863 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
20 d early
2022
20 d early
2021
30 d early
2020
26 d early
2019
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€459k▲ 75.3%
2023 · €262k
2018: €48k
2019: €-20k
2020: €70k
2021: €143k
2022: €202k
2023: €262k
2018 → 2024
Net result
€197k▲ 233%
2023 · €59k
2018: €2k
2019: €-67k
2020: €90k
2021: €73k
2022: €60k
2023: €59k
2018 → 2024
Total assets
€675k▲ 49.4%
2023 · €452k
2018: €317k
2019: €222k
2020: €309k
2021: €374k
2022: €407k
2023: €452k
2018 → 2024
Solvency
68.0%▲ 10.1pp
2023 · 57.9%
2018: 15.0%
2019: -8.9%
2020: 22.7%
2021: 38.2%
2022: 49.8%
2023: 57.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€70k-€143k▲ 103%€202k▲ 41.8%€262k▲ 29.3%€459k▲ 75.3%
Operating result€108k-€105k▼ 3.0%€89k▼ 14.8%€93k▲ 4.0%€293k▲ 215%
Net result€90k-€73k▼ 19.2%€60k▼ 17.8%€59k▼ 0.7%€197k▲ 233%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 215% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €675k
Fixed assets
€157k▼ 15.9%
Current assets
€518k▲ 95.2%
Equity and liabilities €675k
Equity
€459k▲ 75.3%
Debt
€216k▲ 13.7%
The debt ratio falls from 42.1% to 32.0%: equity grows faster than debt.
Key figures and ratios
Solvency
68.0%▲
2023 · 57.9%
ROE
43.0%▲
2023 · 22.6%
ROA
29.2%▲
2023 · 13.1%
Debt
€216k▲
2023 · €190k
Debt ≤ 1 year
€120k▲
2023 · €79k
Debt > 1 year
€97k▼
2023 · €112k
Income taxes
€94k▲
2023 · €30k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€452k€675k▲
Fixed assets21/28€186k€157k▼
Tangible fixed assets22/27€186k€157k▼
Land and buildings22€168k€152k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€16k€2k▼
Current assets29/58€266k€518k▲
Stocks and contracts in progress3€2k€56k▲
Stocks30/36€2k€10k▲
Contracts in progress37-€46k
Amounts receivable within one year40/41€115k€336k▲
Trade receivables40€83k€130k▲
Other amounts receivable41€32k€206k▲
Cash at bank and in hand54/58€145k€121k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€452k€675k▲
Equity10/15€262k€459k▲
Contributions10/11€36k€36k=
Reserves13€226k€423k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€226k€423k▲
Amounts payable17/49€190k€216k▲
Amounts payable after more than one year17€112k€97k▼
Financial debts170/4€112k€97k▼
Amounts payable within one year42/48€79k€120k▲
Current portion of amounts payable after more than one year42€26k€15k▼
Financial debts43€238€60k▲
Credit institutions430/8€238€60k▲
Trade debts44€31k€29k▼
Suppliers440/4€31k€29k▼
Taxes, remuneration and social security45€11k€12k▲
Taxes450/3€11k€12k▲
Other amounts payable47/48€10k€4k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€51k
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€116k€371k▲
Operating profit (loss)9901€93k€293k▲
Financial income75/76B€767€2k▲
Recurring financial income75€767€2k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€90k€291k▲
Income taxes67/77€30k€94k▲
Profit (loss) for the period9904€59k€197k▲
Profit (loss) for the period to be appropriated9905€59k€197k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€197k▲
Transfer to equity691/2€59k€197k▲
To other reserves6921€59k€197k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €197k ▲233%
Operating result €293k, net result €197k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €202k ▲41.8%
3 profitable years in a row build equity to €202k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €143k ▲103%
2 profitable years in a row build equity to €143k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €90k
Net result €90k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.60
Current ratio from 0.47 to 1.60.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-67k ▼2952%
Net result drops to €-67k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
11-08
NBB filing
Annual accounts filed
fiscal year 2015 · 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
1 director, no change since 2023
SCHOOLMEESTERS Luc Jean Mariette
CurrentDirector · since 10-11-2023
10-11-2023
Appointed as Director
Location & real-estate footprint
Registered office, Dilsen-Stokkem · 1 establishment unit since 2011
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.
Kapelstraat 1133650 Dilsen-StokkemGround area
1,921 m²
Building footprint
127 m²
Parcel 73081D0318/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
Kapelstraat 113, 3650 Dilsen-Stokkem
since 20112.203.491.095
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73081D0318/00P000 | Flanders | 1,921 m² | 1 · 127 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 3,570 EUR awarded · 3,570 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 3,570 EUR | 3,570 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.