LucRos
ActiveLucRos has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €408k and a net result of €118k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▲+7
Solvency74▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.38 against 3.23 in 2023; short-term debt: 16.2% and cash: 53.7% of total assets), but 50.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 15-07-2025, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
21 d early
2022
29 d late
2021
26 d late
2020
33 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€408k▲ 25.5%
2023 · €325k
2018: €57k
2019: €84k
2020: €170k
2021: €225k
2022: €260k
2023: €325k
2018 → 2024
Total assets
€831k▲ 15.7%
2023 · €719k
2018: €172k
2019: €202k
2020: €359k
2021: €347k
2022: €500k
2023: €719k
2018 → 2024
Net result
€118k▲ 82.2%
2023 · €65k
2018: €31k
2019: €27k
2020: €86k
2021: €55k
2022: €35k
2023: €65k
2018 → 2024
Working capital
€320k▲ 33.1%
2023 · €241k
2018: €48k
2019: €62k
2020: €152k
2021: €202k
2022: €196k
2023: €241k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€170k-€225k▲ 32.5%€260k▲ 15.4%€325k▲ 24.9%€408k▲ 25.5%
Operating result€122k-€79k▼ 35.0%€53k▼ 32.7%€101k▲ 90.7%€184k▲ 81.0%
Net result€86k-€55k▼ 35.4%€35k▼ 37.1%€65k▲ 86.6%€118k▲ 82.2%
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 81% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €831k
Fixed assets
€376k▲ 1.7%
Current assets
€455k▲ 30.4%
Equity and liabilities €831k
Equity
€408k▲ 25.5%
Debt
€423k▲ 7.5%
The debt ratio falls from 54.8% to 50.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€234k▲
2023 · €146k
Cash flow
€168k▲
2023 · €110k
Solvency
49.1%▲
2023 · 45.2%
Current ratio
3.38▲
2023 · 3.23
Quick ratio
3.38▲
2023 · 3.22
Debt / equity
1.04▼
2023 · 1.21
ROE
29.0%▲
2023 · 20.0%
ROA
14.2%▲
2023 · 9.0%
Interest coverage
13.30▲
2023 · 9.96
Debt
€423k▲
2023 · €394k
Debt ≤ 1 year
€134k▲
2023 · €108k
Debt > 1 year
€286k=
2023 · €286k
Income taxes
€48k▲
2023 · €22k
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€719k€831k▲
Fixed assets21/28€370k€376k▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€365k€373k▲
Land and buildings22€158k€157k▼
Plant, machinery and equipment23€11k€11k▼
Furniture and vehicles24€16k€10k▼
Leasing and similar rights25€26k€58k▲
Other tangible fixed assets26€154k€136k▼
Financial fixed assets28€2k€2k=
Current assets29/58€349k€455k▲
Stocks and contracts in progress3€926€875▼
Stocks30/36€926€875▼
Amounts receivable within one year40/41€34k€4k▼
Trade receivables40-€1k
Other amounts receivable41€34k€3k▼
Cash at bank and in hand54/58€310k€446k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€719k€831k▲
Equity10/15€325k€408k▲
Contributions10/11€20k€20k=
Reserves13€305k€388k▲
Distributable reserves133€305k€388k▲
Amounts payable17/49€394k€423k▲
Amounts payable after more than one year17€286k€286k=
Financial debts170/4€286k€286k=
Amounts payable within one year42/48€108k€134k▲
Current portion of amounts payable after more than one year42€41k€45k▲
Trade debts44€58k€38k▼
Suppliers440/4€58k€38k▼
Taxes, remuneration and social security45€127€12k▲
Taxes450/3€127€12k▲
Other amounts payable47/48€9k€39k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20232024
Non-recurring operating income76A€670€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€50k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€148k€235k▲
Operating profit (loss)9901€101k€184k▲
Financial income75/76B€217€496▲
Recurring financial income75€217€496▲
Financial charges65/66B€15k€18k▲
Recurring financial charges65€15k€18k▲
Profit (loss) for the period before taxes9903€87k€166k▲
Income taxes67/77€22k€48k▲
Profit (loss) for the period9904€65k€118k▲
Profit (loss) for the period to be appropriated9905€65k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€118k▲
Transfer from equity791/2-€35k
Transfer to equity691/2€65k€118k▲
To other reserves6921€65k€118k▲
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €118k ▲82.2%
Operating result €184k, net result €118k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Equity above €200kEq €225k ▲32.5%
4 profitable years in a row build equity to €225k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €170k ▲101%
3 profitable years in a row build equity to €170k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €27k ▼13.9%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dendermonde · 1 establishment unit since 2016
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.
Sint-Margrietstraat (GRE) 489200 DendermondeGround area
877 m²
Building footprint
299 m²
Volume, LiDAR
1,710 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vis van Matthieu
since 20162.254.893.672
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42007B1018/00G000 | Flanders | 770 m² | 1 · 204 m² | 6.2 m · 2 fl. |
| 46002C0476/00E000 | Flanders | 107 m² | 1 · 95 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2024 · 1 entry · 287 EUR awarded · 287 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 287 EUR | 287 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Niklaas2.254.893.672
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Of 466 companies in sector 47230 we hold annual accounts for 269. 174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2016
Fiscal year end31-12
Trade name NL
Vis van Matthieu
Activities, NACEBEL
47230Retail trade
10850Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.