LUDIMA
ActiveLUDIMA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-102k) and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+56
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.58 in 2024; short-term debt: 182.4% and cash: 1.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-89.1%
Return on assets
6.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 5%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
32 d early
2024
42 d early
2023
26 d early
2022
39 d early
2021
26 d late
2020
17 d late
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k
2024 · €-26k
2018: €6k
2019: €18k
2020: €37k
2021: €11k
2022: €-35k
2023: €-179k
2024: €-26k
2018 → 2025
Working capital
€-105k▲ 2.4%
2024 · €-107k
2018: €53k
2019: €74k
2020: €122k
2021: €137k
2022: €102k
2023: €-79k
2024: €-107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€96k▼ 26.9%€-83k€-109k▼ 31.7%€-102k▲ 6.7%
Operating result€22k-€-30k€-171k▼ 478%€-17k▲ 90.1%€15k
Net result€11k-€-35k€-179k▼ 406%€-26k▲ 85.4%€7k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€11k▼ 51.5%
Current assets
€103k▼ 28.9%
Key figures and ratios
EBITDA
€28k▲
2024 · €-481
Cash flow
€20k▲
2024 · €-10k
Solvency
-89.1%▼
2024 · -65.1%
Current ratio
0.50▼
2024 · 0.58
Quick ratio
0.50▼
2024 · 0.58
Debt / equity
-2.12▲
2024 · -2.54
ROA
6.4%▲
2024 · -15.7%
Interest coverage
3.53▲
2024 · -0.06
Debt
€216k▼
2024 · €276k
Debt ≤ 1 year
€208k▼
2024 · €252k
Debt > 1 year
€8k▼
2024 · €24k
Staff costs
€98k▲
2024 · €65k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€167k€114k▼
Fixed assets21/28€22k€11k▼
Tangible fixed assets22/27€22k€10k▼
Plant, machinery and equipment23€8k€3k▼
Furniture and vehicles24€14k€7k▼
Financial fixed assets28€186€186=
Current assets29/58€145k€103k▼
Amounts receivable within one year40/41€140k€91k▼
Trade receivables40€126k€71k▼
Other amounts receivable41€14k€20k▲
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€4k€11k▲
Equity and liabilities
Total equity and liabilities10/49€167k€114k▼
Equity10/15€-109k€-102k▲
Contributions10/11€19k€19k=
Reserves13€5k€5k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-133k€-126k▲
Amounts payable17/49€276k€216k▼
Amounts payable after more than one year17€24k€8k▼
Financial debts170/4€24k€8k▼
Amounts payable within one year42/48€252k€208k▼
Current portion of amounts payable after more than one year42€19k€16k▼
Financial debts43€51k€16k▼
Credit institutions430/8€51k€16k▼
Trade debts44€89k€72k▼
Suppliers440/4€89k€72k▼
Taxes, remuneration and social security45€6k-
Taxes450/3€5k-
Remuneration and social security454/9€774-
Other amounts payable47/48€88k€103k▲
Income statement
Code20242025
Remuneration, social security and pensions62€65k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€13k▼
Other operating charges640/8€2k€995▼
Gross operating margin9900€66k€126k▲
Operating profit (loss)9901€-17k€15k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-25k€7k▲
Income taxes67/77€785-
Profit (loss) for the period9904€-26k€7k▲
Profit (loss) for the period to be appropriated9905€-26k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-133k€-126k▲
Profit (loss) brought forward from the previous period14P€-107k€-133k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-179k
Net result drops to €-179k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €37k ▲107%
Operating result €55k, net result €37k, both a record.
31-12
Financial
Equity above €100kEq €121k ▲44%
3 profitable years in a row build equity to €121k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, La Louvière · 1 establishment unit since 2005
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.
Rue du Champ Perdu(M) 417110 La LouvièreGround area
1,531 m²
Building footprint
166 m²
Volume, LiDAR
1,124 m³
Parcel 55026B0304/00G000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUDIMA SPRL
since 20052.150.351.032
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55026B0304/00G000 | Wallonia | 1,531 m² | 1 · 166 m² | 8.5 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.
Recognitions · licences · registrations
Recognised contractor
27 categoriesLUDIMA SRL41864
Similar companies · same sector, comparable size
DSD DEMOLITION
BE 0702.900.008
Elsene · Eq €96k
LEO ET FILS
BE 0750.664.489
Charleroi · Eq €96k
CONCEPT BUILD
BE 0426.702.208
Ecaussinnes · Eq €96k
ACH
BE 0797.870.035
Haaltert · Eq €96k
SalesKraft
BE 0734.891.596
Schilde · Eq €96k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2005
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
41001General construction of residential buildings
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43410Roofing work
45112
45211
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.