LuDa Mara
ActiveLuDa Mara has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €112k and a net result of €97k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 9520 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
66
/ 100
Healthy▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency22▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.16 in 2023), and 87% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 9520 sector peers (2024).
NBB · sector comparisonPosition among 9520 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
8 d late
2022
122 d late
2021
6 d early
2020
17 d early
2019
58 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€0
Total assets
€861k▲ 674%
2023 · €111k
2018: €11
2019: €17
2023: €111k
2018 → 2024
Net result
€97k▲ 41.1%
2023 · €68k
2018: €-68
2019: €-174
2020: €-72
2021: €-21
2023: €68k
2018 → 2024
Working capital
€87k▲ 465%
2023 · €15k
2018: €-28k
2019: €-28k
2023: €15k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-28k-€-28k▼ 0.1%€-28k=€15k€112k▲ 624%
Operating result€-55-€79k€150k▲ 90.5%
Net result€-72-€-21▲ 70.8%€68k€97k▲ 41.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 90% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €861k
Fixed assets
€25k
Current assets
€836k
Equity and liabilities €861k
Equity
€112k▲ 624%
Debt
€749k▲ 682%
The debt ratio rises from 86.1% to 87.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€155k
Cash flow
€102k
Solvency
13.0%▼
2023 · 13.9%
Current ratio
1.12▼
2023 · 1.16
Quick ratio
0.16▼
2023 · 1.16
Debt / equity
6.69▲
2023 · 6.19
ROE
86.2%▼
2023 · 441.9%
ROA
11.2%▼
2023 · 61.5%
Interest coverage
60.16
Debt
€749k▲
2023 · €96k
Debt ≤ 1 year
€749k▲
2023 · €96k
Income taxes
€51k▲
2023 · €10k
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€111k€861k▲
Fixed assets21/28-€25k
Tangible fixed assets22/27-€25k
Furniture and vehicles24-€25k
Current assets29/58€111k€836k▲
Stocks and contracts in progress3-€718k
Stocks30/36-€718k
Amounts receivable within one year40/41€68k€50k▼
Trade receivables40€68k€18k▼
Other amounts receivable41-€32k
Cash at bank and in hand54/58€43k€66k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€111k€861k▲
Equity10/15€15k€112k▲
Contributions10/11€100€100=
Reserves13€15k€112k▲
Distributable reserves133€15k€112k▲
Amounts payable17/49€96k€749k▲
Amounts payable within one year42/48€96k€749k▲
Trade debts44€244€527▲
Suppliers440/4€244€527▲
Taxes, remuneration and social security45€19k€56k▲
Taxes450/3€19k€56k▲
Other amounts payable47/48€76k€692k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€5k
Other operating charges640/8€384€2k▲
Gross operating margin9900€79k€157k▲
Operating profit (loss)9901€79k€150k▲
Financial income75/76B€10-
Recurring financial income75€10-
Financial charges65/66B€34€3k▲
Recurring financial charges65€34€3k▲
Profit (loss) for the period before taxes9903€79k€147k▲
Income taxes67/77€10k€51k▲
Profit (loss) for the period9904€68k€97k▲
Profit (loss) for the period to be appropriated9905€68k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€97k▲
Profit (loss) brought forward from the previous period14P€-53k-
Transfer to equity691/2€15k€97k▲
To other reserves6921€15k€97k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €97k ▲41.1%
Net result €97k, the highest in the series.
31-12
Financial
Equity above €100kEq €112k ▲624%
2 profitable years in a row build equity to €112k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-174
Net result drops to €-174, the lowest in the series; recovery starts the following year.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
21-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Schilde · 1 establishment unit since 1998
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.
Fortsteenweg 182970 SchildeGround area
2,238 m²
Building footprint
253 m²
Volume, LiDAR
1,396 m³
Parcel 11041B0153/00D000, Flanders · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CESZO
since 19982.079.378.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0153/00D000 | Flanders | 2,238 m² | 1 · 253 m² | 14.9 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
Entourage GP
BE 1000.341.105
Gent · Eq €112k
Prosper
BE 0798.185.779
Gent · Eq €112k
CORRIDA
BE 0748.455.760
Zwevegem · Eq €112k
J.L.S.
BE 0680.418.574
Sint-Agatha-Berchem · Eq €112k
Edaco
BE 0832.015.322
Watermaal-Bosvoorde · Eq €112k
Of 24,423 companies in sector 82990 we hold annual accounts for 9,361. 7,145 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-1996
Fiscal year end31-12
Abbreviation NL
CESZO
Activities, NACEBEL
82990Other business support services
50100Water transport
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
77210Renting and leasing of sports and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.