Ludo Pira
ActiveSummary
For Ludo Pira, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €39k and a net result of €3k. Equity is shrinking by ~37.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2023. Its solvency ranks better than 20% of 4853 sector peers (fiscal year 2022). The company has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability70▲+27
Solvency37▼-1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
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
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 2022Solvency, return and age of the figures
Solvency
12.3%
Return on assets
1.1%
Age of the figures
45 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline24-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 01-09-2023, 32 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
not filed
2023
not filed
2022
32 d late
2021
89 d late
2020
31 d late
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2022, micro schema
Equity
€39k▲ 9.9%
2021 · €35k
2018: €134k
2019: €132k
2020: €78k
2021: €35k
2018 → 2022
Total assets
€316k▲ 14.4%
2021 · €276k
2018: €360k
2019: €378k
2020: €341k
2021: €276k
2018 → 2022
Net result
€3k
2021 · €-43k
2018: €-2k
2019: €-2k
2020: €-53k
2021: €-43k
2018 → 2022
Working capital
€-64k▲ 1.4%
2021 · €-65k
2018: €-27k
2019: €-50k
2020: €-78k
2021: €-65k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€134k-€132k▼ 1.4%€78k▼ 40.5%€35k▼ 54.9%€39k▲ 9.9%
Operating result€5k-€5k▲ 20.7%€-44k€-40k▲ 9.0%€5k
Net result€-2k-€-2k▼ 8.4%€-53k▼ 2,721%€-43k▲ 19.5%€3k
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 returns to profit in 2022: €5k after a loss of €40k in 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €316k
Fixed assets
€103k ▲ 2.6%
Current assets
€212k ▲ 21.1%
Equity and liabilities €316k
Equity
€39k ▲ 9.9%
Debt
€277k ▲ 15.0%
Debt's share of the balance-sheet total rises from 87.2% to 87.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2021 · €18k
Cash flow
€32k▲
2021 · €15k
Current ratio
0.77▲
2021 · 0.73
Debt to equity
7.12▲
2021 · 6.80
ROE
9.0%▲
2021 · -121.7%
ROA
1.1%▲
2021 · -15.6%
Interest coverage
21.38▲
2021 · 5.13
Debt ≤ 1 year
€277k▲
2021 · €241k
Staff costs
€270▼
2021 · €618
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 · 2022 against 2021 · 47 lines
Balance sheet
Code20212022
Assets
Total assets20/58€276k€316k▲
Fixed assets21/28€101k€103k▲
Tangible fixed assets22/27€101k€103k▲
Plant, machinery and equipment23€71k€84k▲
Furniture and vehicles24€29k€19k▼
Other tangible fixed assets26€608€405▼
Current assets29/58€175k€212k▲
Stocks and contracts in progress3€420-
Stocks30/36€420-
Amounts receivable within one year40/41€138k€181k▲
Trade receivables40€136k€178k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€36k€12k▼
Deferred charges and accrued income490/1€446€19k▲
Equity and liabilities
Total equity and liabilities10/49€276k€316k▲
Equity10/15€35k€39k▲
Contributions10/11€29k€29k=
Reserves13€107k€10k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€104k€7k▼
Profit (loss) carried forward14€-100k-
Amounts payable17/49€241k€277k▲
Amounts payable within one year42/48€241k€277k▲
Trade debts44€13k€40k▲
Suppliers440/4€13k€40k▲
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€7k€7k▼
Other amounts payable47/48€220k€230k▲
Income statement
Code20212022
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€618€270▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€28k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€20k€35k▲
Operating profit (loss)9901€-40k€5k▲
Financial income75/76B€288€61▼
Recurring financial income75€288€61▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€-43k€3k▲
Profit (loss) for the period9904€-43k€3k▲
Profit (loss) for the period to be appropriated9905€-43k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-100k€-97k▲
Profit (loss) brought forward from the previous period14P€-57k€-100k▼
Transfer from equity791/2-€104k
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 4 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-53k
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 28 days late
2014
29-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Kampenhout · 1 establishment unit since 2001
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.
Hubert Tobbackstraat 701910 KampenhoutGround area
4,771 m²
Building footprint
159 m²
Volume, LiDAR
991 m³
Parcel 23038C0013/00Y004, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hubert Tobbackstraat 70, 1910 Kampenhout
since 20012.013.652.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23038C0013/00Y004 | Flanders | 4,771 m² | 1 · 159 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 150 EUR awarded · 150 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 150 EUR | 150 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,362. 3,513 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 (pre-2019)
Founded24-03-1977
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.