LUDOCROUS
ActiveSummary
LUDOCROUS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €8k. Equity is shrinking by ~34.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 13% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-18
Solvency35▼-64
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 3.79 in 2024; short-term debt: 75.1% of total assets), and 90% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
10%
Return on assets
5.6%
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 13% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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 · 3 filingsDeviation from the deadline
2025
9 d late
2024
26 d late
2023
29 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, micro schema
Equity
€14k▼ 77.6%
2024 · €61k
2023: €44k
2024: €61k
2023 → 2025
Total assets
€137k▲ 65.9%
2024 · €82k
2023: €75k
2024: €82k
2023 → 2025
Net result
€8k▼ 54.7%
2024 · €17k
2023: €41k
2024: €17k
2023 → 2025
Working capital
€835▼ 98.6%
2024 · €59k
2023: €43k
2024: €59k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€44k-€61k▲ 37.8%€14k▼ 77.6%
Operating result€52k-€22k▼ 58.0%€14k▼ 35.2%
Net result€41k-€17k▼ 59.5%€8k▼ 54.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 35% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€33k ▲ 1,854%
Current assets
€103k ▲ 28.3%
Equity and liabilities €137k
Equity
€14k ▼ 77.6%
Debt
€123k ▲ 478%
Debt's share of the balance-sheet total rises from 25.8% to 90.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €23k
Cash flow
€15k▼
2024 · €18k
Current ratio
1.01▼
2024 · 3.79
Debt to equity
9.00▲
2024 · 0.35
ROE
55.6%▲
2024 · 27.4%
ROA
5.6%▼
2024 · 20.3%
Interest coverage
11.68▼
2024 · 338.65
Debt ≤ 1 year
€103k▲
2024 · €21k
Debt > 1 year
€20k
Income taxes
€5k▼
2024 · €5k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€82k€137k▲
Fixed assets21/28€2k€33k▲
Tangible fixed assets22/27€2k€31k▲
Furniture and vehicles24€2k€31k▲
Financial fixed assets28€91€2k▲
Current assets29/58€81k€103k▲
Amounts receivable within one year40/41€68k€67k▼
Trade receivables40€15k€12k▼
Other amounts receivable41€53k€55k▲
Current investments50/53€13k€35k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€82k€137k▲
Equity10/15€61k€14k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€58k€11k▼
Amounts payable17/49€21k€123k▲
Amounts payable after more than one year17-€20k
Financial debts170/4-€20k
Amounts payable within one year42/48€21k€103k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€2k€18k▲
Suppliers440/4€2k€18k▲
Taxes, remuneration and social security45€19k€18k▼
Taxes450/3€19k€17k▼
Remuneration and social security454/9-€600
Other amounts payable47/48-€55k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€866€7k▲
Other operating charges640/8€406€2k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€23k€25k▲
Operating profit (loss)9901€22k€14k▼
Financial income75/76B€287€217▼
Recurring financial income75€287€217▼
Financial charges65/66B€68€2k▲
Recurring financial charges65€68€2k▲
Profit (loss) for the period before taxes9903€22k€13k▼
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€17k€8k▼
Profit (loss) for the period to be appropriated9905€17k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€66k▲
Profit (loss) brought forward from the previous period14P€41k€58k▲
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (8 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
23-03
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 06/03/2026
- Registered-office move, 1, Drève Gustave Fache à 7700 Mouscron
2025
31-12
Financial
Weakest financial yearnet €8k ▼54.7%
Net result drops to €8k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 2023
Ground area
4,973 m²
Building footprint
571 m²
Parcel 54006N0215/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
LUDOCROUS
since 20232.341.272.370
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54006N0215/00G002 | Wallonia | 4,973 m² | 1 · 571 m² | - |
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
SEGALLEX
BE 0715.796.949
Antwerpen · Eq €13,705
Maurine Langlois
BE 0778.394.316
Seraing · Eq €13,414
LEGILEX LERUTH
BE 0663.614.513
Thuin · Eq €14,234
EBI
BE 1032.048.920
Retie · Eq €14,751
ACTARIS
BE 1027.560.491
Assesse · Eq €12,540
Of 1,019 companies in sector 69103 we hold annual accounts for 611. 271 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
Founded23-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:r.rizovsky@gmail.com