Equity
€25,023 ▼ 47.2%
LuCTO paid out €40,000 in dividends. That is 227% of the 2025 profit.
LuCTO
Lifetime
6 annual accounts with figures on one time axispeak €23,953 (2025)
€23,953▲ 76.7%
lowest -€1,390 (2020)
€17,641▲ 100%
peak €47,382 (2024)
€25,023▼ 47.2%
€13,658▲ 14.5%
Board1 name since 2020
1 directorVAN HUFFEL Ludovic Lucien
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €13,556 to €23,953Result from €8,820 to €17,641Dividend €40,000Equity from €47,382 to €25,023Cash from €12,862 to €25,604
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 58% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: 0.1%▲ +0.1 percentage points vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: < 0.1%▼ -0.1 percentage points vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
2 of the last 3 accounts late
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.68, cash €25,604
Equity €25,023 (64.7% of total assets)
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 70, micro). It does better than 60% of them on solvency, 76% on liquidity, 84% 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 very low class on 30-06-2025, 0.1% 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, 26,972 companies had the same profile as LuCTO has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of LuCTO itself is lower: < 0.1% within 12 months. It rests on far more data about LuCTO than the profile alone.
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 26,972 companies, not a prediction for LuCTO. 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 €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.68 (4.7 in 2024), above the usual 1.5. Short-term debt is 35.1% and cash 66.2% of total assets. 35.3% 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 29-06-2026, 32 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
32 days early
2024
31 days late
2023
92 days late
2022
149 days late
2021
151 days late
2020
90 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 80 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 1 November (4 of the last 5 accounts filed within 62 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 0208:0752711486
Incorporation
Founder: VAN HUFFEL Ludovic Lucien · 100 shares · Appointment: VAN HUFFEL Ludovic Lucien (director) · published on 20-08-2020 · Gazette deed
First establishment
Rue Heppinchamps 18, Verviers
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LuCTO Verviers | €38,681 | €23,953 | 64.7% | - |
| F&M Studio-Décoration et Gastronomie Liège | €39,985 | €22,165 | 3.2% | - |
| Martin Dupont Management Sprimont | €41,484 | €23,270 | 22.2% | - |
| L.P. Broze Schaerbeek | €40,033 | €23,662 | 14.1% | - |
| NM Consulting Antwerp | €37,806 | €26,366 | 42.7% | - |
| HR-hero Oud-Heverlee | €37,538 | €23,595 | 43.5% | - |
| Project Control Antwerp | €43,539 | €24,418 | 41.3% | - |
These companies have the same main activity as LuCTO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €37,500 and €43,500, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 18-08-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.306.971.6854801 Verviers, since 18-08-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 03-06-2025
Annual accounts 2025
- €38,681▼ 34.8%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on LuCTO
LuCTO files the micro format. That format states no turnover. The gross margin rose from -€1,365 in 2020 to €23,953 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 LuCTO
- What is the company number of LuCTO?
- The company number of LuCTO is 0752.711.486. The VAT number is the same number with BE in front: BE 0752.711.486.
- Where is LuCTO based?
- The registered office is at Rue Heppinchamps 18, 4801 Verviers.Company details
- What does LuCTO do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of LuCTO?
- LuCTO is a private limited company (BV).
- When was LuCTO founded?
- LuCTO was founded on 18-08-2020.
- Is LuCTO still active?
- Yes, LuCTO is an active enterprise in the KBO register.
- What is the turnover of LuCTO?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €23,953 and 205 comparable companies (NACE 70200). It probably lies between €54,000 and €220,000. It is a rough estimate.Financials
- Is LuCTO profitable?
- In financial year 2025, LuCTO made a profit of €17,641.
- Where can I find the annual accounts of LuCTO?
- LuCTO filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LuCTO due?
- LuCTO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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