Financials
- Fiscal year
- 2025
- Total assets
- €79,791
- Profit
- €10,339
- Solvency
- 56.1%
Total assets▲ 93.7%
Net result
20212025
LUD'Ô
ActiveSummary
LUD'Ô has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,776 and a net result of €10,339. Equity is growing by ~49.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Installation of electric heating, air conditioning, cooling and ventilation
NACE 43222
1 site
Size
€79,791total assets 2025
- Equity
- €44,776
- Profit
- €10,339
Turnover not published (abridged schema)
Structure
Accounts on time0 of 2 deeds read
Why 90- Size: total assets €79,791- Founded in 2020+ Liquidity: current ratio 2.54, cash €40,363+ Equity €44,776 (56.1% of total assets)Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Better than 73% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
81-19
equity 56.1% of total assets
Liquidity
91-5
short-term debt 23.7% · cash 50.6%
Profitability
85-15
return on assets 13.0%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.4%
12-2024: 0.4%▲ +5.8% vs 11-2024
01-2025: 0.4%▲ +6.0% vs 12-2024
02-2025: 0.2%▼ -54.7% vs 01-2025
03-2025: 0.2%● 0.0% vs 02-2025
04-2025: 0.2%● 0.0% vs 03-2025
05-2025: 0.2%● 0.0% vs 04-2025
06-2025: 0.2%● 0.0% vs 05-2025
07-2025: 0.2%▼ -1.6% vs 06-2025
08-2025: 0.2%▼ -3.3% vs 07-2025lowest value
09-2025: 0.2%▲ +5.1% vs 08-2025
10-2025: 0.2%▲ +0.5% vs 09-2025
11-2025: 0.2%▲ +19.9% vs 10-2025
12-2025: 0.2%▲ +5.4% vs 11-2025
01-2026: 0.3%▲ +9.8% vs 12-2025
02-2026: 0.4%▲ +74.0% vs 01-2026highest value
03-2026: 0.2%▼ -49.2% vs 02-2026
04-2026: 0.2%● 0.0% vs 03-2026
05-2026: 0.2%● 0.0% vs 04-2026
06-2026: 0.2%▲ +3.1% vs 05-2026
07-2026: 0.2%▼ -0.9% vs 06-2026
08-2026: 0.2%● 0.0% vs 07-2026
09-2026: 0.2%● 0.0% vs 08-2026
10-2026: 0.3%▲ +9.4% vs 09-2026
- Liquidity: current ratio 2.54, cash €40,363 lowers the probability
- Equity €44,776 (56.1% of total assets) lowers the probability
- Size: total assets €79,791 raises the probability for this profile
- Founded in 2020 raises the probability for this profile
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.54 against 4.44 in 2024; short-term debt: 23.7% and cash: 50.6% of total assets), and 43.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 61%, liquidity 89%, profitability 69%, growth against the median 75%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
22 d early
2023
27 d late
2022
25 d late
2021
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 21 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close06-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2021net €15,760 ▲353%
Key points
By topic
Timeline
- Events
- 8
- Since
- 2022
- Next accounts
- by 31-01-2027
- 31-01-2026Annual accounts filed
- 09-01-2025Annual accounts filed
- 30-06-2024Highest result since 2021
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Installation of electric heating, air conditioning, cooling and…NACE 43222
- Founded
- 06-07-2020
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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