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LUK VANDUFFEL

Active
Private limited company (pre-2019)founded 199333 yrs activeKerkhoflei 16, 2980 Zoersel, BelgiumKBO/BCE: BE 0449.799.886
Summary

LUK VANDUFFEL has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109,690 and a net result of -€460. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
LUK VANDUFFELActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Other retail sale of new goods
NACE 47789NACE 52495
1 site
Size
€111,576total assets 2025
Equity
€109,690
Loss
-€460
Turnover not published (abridged schema)
Financial health
90 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts filed 25 d late0 of 4 deeds read
Why 90- 1 change of registered office in 24 months- Sector Retail trade (NACE 47)+ Liquidity: current ratio 94.71, cash €64,172+ Equity €109,690 (98.3% of total assets)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 69% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 98.3% of total assets
Liquidity 100=
short-term debt 1.0% · cash 57.5%
Profitability 68-12
return on assets -0.4%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -15.5% vs 12-2024 02-2025: 0.1%▼ -2.4% vs 01-2025lowest value 03-2025: 0.2%▲ +196% vs 02-2025 04-2025: 0.2%▼ -0.8% vs 03-2025 05-2025: 0.3%▲ +11.9% vs 04-2025 06-2025: 0.3%▼ -0.4% vs 05-2025 07-2025: 0.3%▲ +24.0% vs 06-2025 08-2025: 0.5%▲ +52.0% vs 07-2025 09-2025: 0.3%▼ -43.9% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -0.7% vs 12-2025 02-2026: 0.3%▼ -2.5% vs 01-2026 03-2026: 0.3%▼ -1.1% vs 02-2026 04-2026: 0.3%▲ +1.1% vs 03-2026 05-2026: 0.3%▲ +23.5% vs 04-2026 06-2026: 0.3%▼ -0.6% vs 05-2026 07-2026: 0.3%▲ +6.4% vs 06-2026 08-2026: 0.5%▲ +50.6% vs 07-2026highest value 09-2026: 0.2%▼ -56.5% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026
  • Liquidity: current ratio 94.71, cash €64,172 lowers the probability
  • 1 change of registered office in 24 months raises the probability
  • Equity €109,690 (98.3% of total assets) lowers the probability
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 94.71; short-term debt: 1% and cash: 57.5% of total assets), and 1.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 99%, profitability 48%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 94.71, cash €64,172
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Equity €109,690 (98.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 filings
Deviation from the deadline
2025
25 d late
2024
11 d late
2023
58 d late
2022
58 d late
2021
8 d late
2020
59 d late
2019
117 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 48 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 25 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Liquidity times 8current ratio 226.75

Key points

  • Positive: Among the best 5% on solvencysector median 34.0% · 21,938 companies 98.3% View
  • Active since 1993founded 29-03-1993 33 years View
  • Total assets 20256 fiscal years filed €111,576 View

By topic

Financials

Fiscal year
2025
Total assets
€111,576
Loss
-€460
Solvency
98.3%
Total assets▲ 0.2%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 11-08-2025Annual accounts filed
  3. 31-12-2024Liquidity times 8
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Other retail sale of new goodsNACE 47789
Founded
29-03-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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