LUJU
ActiveLUJU has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €1k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-1
Solvency84▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.33 against 3.49 in 2024; short-term debt: 20.8% and cash: 1.9% of total assets), and 40.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
59.4%
Return on assets
0.6%
Age of the figures
9 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
41 d late
2023
27 d late
2022
51 d late
2021
89 d late
2020
24 d late
2019
77 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
20-09-2026 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
€1k▼ 72.6%
2024 · €5k
2018: €10k
2019: €23k
2020: €24k
2021: €43k
2022: €29k
2023: €27k
2024: €5k
2018 → 2025
Working capital
€117k▲ 0.7%
2024 · €117k
2018: €4k
2019: €17k
2020: €34k
2021: €76k
2022: €100k
2023: €123k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€111k▲ 33.4%€137k▲ 23.8%€143k▲ 3.9%€144k▲ 1.0%
Operating result€58k-€42k▼ 27.4%€39k▼ 7.1%€12k▼ 69.2%€9k▼ 27.6%
Net result€43k-€29k▼ 32.8%€27k▼ 4.9%€5k▼ 80.4%€1k▼ 72.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 28% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €243k
Fixed assets
€75k▼ 18.7%
Current assets
€168k▲ 2.8%
Equity and liabilities €243k
Equity
€144k▲ 1.0%
Debt
€99k▼ 12.6%
The debt ratio falls from 44.1% to 40.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €23k
Cash flow
€20k▲
2024 · €16k
Solvency
59.4%▲
2024 · 55.9%
Current ratio
3.33▼
2024 · 3.49
Quick ratio
3.33▼
2024 · 3.49
Debt / equity
0.68▼
2024 · 0.79
ROE
1.0%▼
2024 · 3.8%
ROA
0.6%▼
2024 · 2.1%
Interest coverage
7.04▲
2024 · 6.81
Debt
€99k▼
2024 · €113k
Debt ≤ 1 year
€50k▲
2024 · €47k
Debt > 1 year
€48k▼
2024 · €66k
Income taxes
€3k▲
2024 · €3k
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€256k€243k▼
Fixed assets21/28€92k€75k▼
Tangible fixed assets22/27€92k€75k▼
Land and buildings22€18k€17k▼
Plant, machinery and equipment23-€895
Furniture and vehicles24€75k€57k▼
Current assets29/58€163k€168k▲
Amounts receivable within one year40/41€158k€163k▲
Trade receivables40€18k€10k▼
Other amounts receivable41€140k€153k▲
Cash at bank and in hand54/58€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€256k€243k▼
Equity10/15€143k€144k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€135k€136k▲
Amounts payable17/49€113k€99k▼
Amounts payable after more than one year17€66k€48k▼
Financial debts170/4€66k€48k▼
Amounts payable within one year42/48€47k€50k▲
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€26k€14k▼
Suppliers440/4€26k€14k▼
Taxes, remuneration and social security45€3k€18k▲
Taxes450/3€3k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€18k▲
Other operating charges640/8€10k€619▼
Gross operating margin9900€32k€28k▼
Operating profit (loss)9901€12k€9k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€9k€5k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€5k€1k▼
Profit (loss) for the period to be appropriated9905€5k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€136k▲
Profit (loss) brought forward from the previous period14P€129k€135k▲
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
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €1k ▼72.6%
Net result drops to €1k, the lowest in the series.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 41 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 51 days late
2022
31-12
Financial
Equity above €100kEq €111k ▲33.4%
5 profitable years in a row build equity to €111k.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2021
31-12
Financial
Highest result since 2018net €43k ▲79.4%
Operating result €58k, net result €43k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 77 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 44 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 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, Estaimpuis · 1 establishment unit since 2015
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 Jean Lefebvre(EST) 67730 EstaimpuisGround area
480 m²
Building footprint
89 m²
Volume, LiDAR
633 m³
Parcel 57027A0543/00W000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLOVER.EU
since 20152.239.500.762
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57027A0543/00W000 | Wallonia | 480 m² | 1 · 89 m² | 9.0 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.
Similar companies · same sector, comparable size
DBS SERVICES
BE 0867.860.780
Durbuy · Eq €144k
OBUONE CONSULTING
BE 0752.952.206
Vorst · Eq €144k
EVENS PETER MANAGEMENT
BE 0862.015.838
Overijse · Eq €144k
CONSULTING JASPERS
BE 0830.371.567
Genk · Eq €144k
KARANN CONSULT
BE 0649.429.846
Haacht · Eq €144k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,851 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-02-2015
Fiscal year end31-12
Trade name FR
CLOVER.EU
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.