LUDINVEST
ActiveSummary
LUDINVEST has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €7k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 24% of 2276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-2
Solvency37▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.11 in 2024; short-term debt: 88.2% and cash: 8.4% of total assets), and 88.2% of the assets are financed with debt.
Credit check 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.8%
Return on assets
1.5%
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 24% of 2276 sector peers (2025).
NBB · sector comparisonPosition among 2276 sector peers
Solvency
better than 24%
← 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
31 d early
2023
43 d early
2022
38 d early
2021
53 d early
2020
50 d early
2019
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€52k▲ 14.5%
2024 · €46k
2018: €17k
2019: €20k
2020: €21k
2021: €23k
2022: €26k
2023: €35k
2024: €46k
2018 → 2025
Total assets
€442k▼ 1.2%
2024 · €447k
2018: €18k
2019: €20k
2020: €22k
2021: €25k
2022: €428k
2023: €438k
2024: €447k
2018 → 2025
Net result
€7k▼ 38.0%
2024 · €11k
2018: €6k
2019: €2k
2020: €1k
2021: €2k
2022: €2k
2023: €9k
2024: €11k
2018 → 2025
Working capital
€52k▲ 14.6%
2024 · €46k
2018: €17k
2019: €20k
2020: €21k
2021: €23k
2022: €26k
2023: €37k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€26k▲ 9.6%€35k▲ 35.8%€46k▲ 30.7%€52k▲ 14.5%
Operating result€3k-€3k▼ 0.2%€3k▼ 19.7%€838▼ 66.5%€2k▲ 84.7%
Net result€2k-€2k▼ 0.3%€9k▲ 311%€11k▲ 16.2%€7k▼ 38.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 85% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €442k
Fixed assets
€125 =
Current assets
€442k ▼ 1.2%
Equity and liabilities €442k
Equity
€52k ▲ 14.5%
Debt
€390k ▼ 2.9%
Debt's share of the balance-sheet total falls from 89.8% to 88.2%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.13▲
2024 · 1.11
Debt to equity
7.47▼
2024 · 8.81
ROE
12.7%▼
2024 · 23.5%
ROA
1.5%▼
2024 · 2.4%
Debt ≤ 1 year
€389k▼
2024 · €401k
Income taxes
€2k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€447k€442k▼
Fixed assets21/28€125€125=
Financial fixed assets28€125€125=
Current assets29/58€447k€442k▼
Amounts receivable within one year40/41€11k€4k▼
Trade receivables40€11k€4k▼
Other amounts receivable41€485€530▲
Current investments50/53€400k€400k=
Cash at bank and in hand54/58€35k€37k▲
Deferred charges and accrued income490/1€405€491▲
Equity and liabilities
Total equity and liabilities10/49€447k€442k▼
Equity10/15€46k€52k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€27k€34k▲
Amounts payable17/49€401k€390k▼
Amounts payable within one year42/48€401k€389k▼
Trade debts44€1k€272▼
Suppliers440/4€1k€272▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€400k€389k▼
Accrued charges and deferred income492/3€122€147▲
Income statement
Code20242025
Other operating charges640/8€348€580▲
Gross operating margin9900€1k€2k▲
Operating profit (loss)9901€838€2k▲
Financial income75/76B€13k€8k▼
Recurring financial income75€13k€8k▼
Financial charges65/66B€80€226▲
Recurring financial charges65€80€226▲
Profit (loss) for the period before taxes9903€14k€9k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€11k€7k▼
Profit (loss) for the period to be appropriated9905€11k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€34k▲
Profit (loss) brought forward from the previous period14P€16k€27k▲
The notes to these accounts (4 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €11k ▲16.2%
Net result €11k, the highest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €1k ▼35.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Dilbeek · 1 establishment unit since 2006
Ground area
3,669 m²
Building footprint
235 m²
Volume, LiDAR
1,148 m³
Parcel 23026B0254/00C000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brusselstraat 120, 1702 Dilbeek
since 20062.157.984.338
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026B0254/00C000 | Flanders | 3,669 m² | 1 · 235 m² | 7.7 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.
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,942 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2006
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.