LUDOTROTTER
ActiveThe computed 12-month bankruptcy probability of LUDOTROTTER is 1.5% (moderate). The 2025 annual accounts show equity of €310k and a net result of €106k. Equity is growing by ~80.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 10253 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability78▲+1
Solvency47▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.98 in 2024; short-term debt: 63.8% and cash: 4% of total assets), and 77.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
22.3%
Return on assets
7.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 6 filingsDeviation from the deadline
2025
19 d late
2024
237 d late
2023
309 d late
2022
61 d late
2021
61 d late
2020
31 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€106k▲ 83.9%
2024 · €57k
2020: €4k
2021: €22k
2022: €27k
2023: €84k
2024: €57k
2020 → 2025
Working capital
€47k
2024 · €-12k
2020: €1k
2021: €12k
2022: €-71k
2023: €-28k
2024: €-12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€62k▲ 76.8%€147k▲ 135%€204k▲ 39.1%€310k▲ 51.7%
Operating result€31k-€56k▲ 82.7%€101k▲ 80.1%€126k▲ 25.6%€165k▲ 30.7%
Net result€22k-€27k▲ 25.1%€84k▲ 211%€57k▼ 31.9%€106k▲ 83.9%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€456k▲ 11.9%
Current assets
€933k▲ 91.0%
Equity and liabilities €1.39M
Equity
€310k▲ 51.7%
Debt
€1.08M▲ 56.0%
The debt ratio rises from 77.2% to 77.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€169k▲
2024 · €131k
Cash flow
€109k▲
2024 · €62k
Solvency
22.3%▼
2024 · 22.8%
Current ratio
1.05▲
2024 · 0.98
Quick ratio
0.58▲
2024 · 0.47
Debt / equity
3.49▲
2024 · 3.39
ROE
34.1%▲
2024 · 28.1%
ROA
7.6%▲
2024 · 6.4%
Interest coverage
10.03▲
2024 · 9.70
Debt
€1.08M▲
2024 · €692k
Debt ≤ 1 year
€887k▲
2024 · €501k
Debt > 1 year
€193k▲
2024 · €192k
Income taxes
€45k▼
2024 · €66k
Staff costs
€149k▲
2024 · €126k
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€896k€1.39M▲
Fixed assets21/28€408k€456k▲
Tangible fixed assets22/27€8k€38k▲
Furniture and vehicles24€4k€35k▲
Leasing and similar rights25€0-
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€400k€418k▲
Current assets29/58€489k€933k▲
Stocks and contracts in progress3€252k€417k▲
Stocks30/36€252k€417k▲
Amounts receivable within one year40/41€188k€447k▲
Trade receivables40€168k€384k▲
Other amounts receivable41€20k€64k▲
Cash at bank and in hand54/58€46k€56k▲
Deferred charges and accrued income490/1€2k€13k▲
Equity and liabilities
Total equity and liabilities10/49€896k€1.39M▲
Equity10/15€204k€310k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€194k€300k▲
Amounts payable17/49€692k€1.08M▲
Amounts payable after more than one year17€192k€193k▲
Financial debts170/4€192k€193k▲
Amounts payable within one year42/48€501k€887k▲
Current portion of amounts payable after more than one year42€43k€58k▲
Trade debts44€210k€525k▲
Suppliers440/4€210k€525k▲
Bills of exchange payable441€0-
Taxes, remuneration and social security45€159k€194k▲
Taxes450/3€143k€170k▲
Remuneration and social security454/9€16k€24k▲
Other amounts payable47/48€88k€109k▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€126k€149k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€1k€7k▲
Gross operating margin9900€258k€325k▲
Operating profit (loss)9901€126k€165k▲
Financial income75/76B€11k€2k▼
Recurring financial income75€11k€2k▼
Non-recurring financial income76B-€26
Financial charges65/66B€14k€17k▲
Recurring financial charges65€14k€17k▲
Profit (loss) for the period before taxes9903€124k€151k▲
Income taxes67/77€66k€45k▼
Profit (loss) for the period9904€57k€106k▲
Profit (loss) for the period to be appropriated9905€57k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€194k€300k▲
Profit (loss) brought forward from the previous period14P€137k€194k▲
The notes to these accounts (13 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 237 days late
2025
31-12
Financial
Highest result since 2020net €106k ▲83.9%
Operating result €165k, net result €106k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 309 days late
2024
31-12
Financial
Equity above €200kEq €204k ▲39.1%
5 profitable years in a row build equity to €204k.
2023
31-12
Financial
Equity above €100kEq €147k ▲135%
4 profitable years in a row build equity to €147k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2020
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 Emile Tumelaire 66000 CharleroiGround area
1,283 m²
Building footprint
376 m²
Volume, LiDAR
10,141 m³
2 parcels, Wallonia · tallest building 31.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
LUDOTROTTER
since 20202.297.729.169
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0239/00T153 | Wallonia | 1,167 m² | 1 · 324 m² | 31.1 m · 9 fl. |
| 52011B0183/00R000 | Wallonia | 115 m² | 1 · 52 m² | 24.0 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.297.729.169
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LIVRE AUX TRÉSORS
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LIBRAIRIE A LIVRE OUVERT
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Of 602 companies in sector 47610 we hold annual accounts for 241. 163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2019
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
47640Retail sale of games and toys
47650Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.