LUNO CAR
ActiveSummary
LUNO CAR has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €4k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+2
Solvency46▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.17 in 2024; short-term debt: 78.7% and cash: 1.8% of total assets), and 78.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
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
21.3%
Return on assets
1.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-03-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
42 d early
2023
41 d early
2022
38 d early
2021
33 d early
2020
31 d early
2019
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▲ 7.8%
2024 · €53k
2018: €21k
2019: €22k
2020: €25k
2021: €52k
2022: €51k
2023: €52k
2024: €53k
2018 → 2025
Total assets
€269k▲ 2.1%
2024 · €263k
2018: €262k
2019: €258k
2020: €254k
2021: €276k
2022: €270k
2023: €267k
2024: €263k
2018 → 2025
Net result
€4k▲ 299%
2024 · €1k
2018: €2k
2019: €727
2020: €3k
2021: €28k
2022: €-1k
2023: €1k
2024: €1k
2018 → 2025
Working capital
€-167k▲ 4.5%
2024 · €-175k
2018: €-136k
2019: €-136k
2020: €-134k
2021: €-186k
2022: €-185k
2023: €-180k
2024: €-175k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€51k▼ 2.8%€52k▲ 2.2%€53k▲ 2.0%€57k▲ 7.8%
Operating result€28k-€-970€2k€1k▼ 11.3%€4k▲ 212%
Net result€28k-€-1k€1k€1k▼ 7.1%€4k▲ 299%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 212% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269k
Fixed assets
€225k ▼ 1.6%
Current assets
€44k ▲ 26.8%
Equity and liabilities €269k
Equity
€57k ▲ 7.8%
Debt
€212k ▲ 0.7%
Debt's share of the balance-sheet total falls from 79.8% to 78.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €5k
Cash flow
€8k▲
2024 · €5k
Current ratio
0.21▲
2024 · 0.17
Debt to equity
3.70▼
2024 · 3.96
ROE
7.2%▲
2024 · 2.0%
ROA
1.5%▲
2024 · 0.4%
Interest coverage
24.01▲
2024 · 13.09
Debt ≤ 1 year
€212k▲
2024 · €210k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€263k€269k▲
Fixed assets21/28€228k€225k▼
Tangible fixed assets22/27€220k€217k▼
Land and buildings22€166k€166k=
Plant, machinery and equipment23€18k€14k▼
Furniture and vehicles24€37k€37k=
Financial fixed assets28€8k€8k=
Current assets29/58€35k€44k▲
Amounts receivable within one year40/41€22k€31k▲
Trade receivables40€22k€31k▲
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€263k€269k▲
Equity10/15€53k€57k▲
Contributions10/11€174k€174k=
Capital10€174k€174k=
Issued capital100€174k€174k=
Reserves13€62€62=
Non-distributable reserves130/1€62€62=
Legal reserve130€62€62=
Profit (loss) carried forward14€-121k€-117k▲
Amounts payable17/49€210k€212k▲
Amounts payable within one year42/48€210k€212k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€201€248▲
Taxes450/3€201€248▲
Other amounts payable47/48€209k€209k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€7k€10k▲
Operating profit (loss)9901€1k€4k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€396€342▼
Recurring financial charges65€396€342▼
Profit (loss) for the period before taxes9903€1k€4k▲
Profit (loss) for the period9904€1k€4k▲
Profit (loss) for the period to be appropriated9905€1k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-121k€-117k▲
Profit (loss) brought forward from the previous period14P€-122k€-121k▲
The notes to these accounts (4 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-1k ▼105%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €28k ▲992%
Operating result €28k, net result €28k, both a record.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Bilzen-Hoeselt · 1 establishment unit since 1993
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.
Rode Kruislaan 63740 Bilzen-HoeseltGround area
73 m²
Building footprint
134 m²
Volume, LiDAR
605 m³
Parcel 73055A0676/00R002, Flanders · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rode Kruislaan 6, 3740 Bilzen-Hoeselt
since 19932.061.226.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73055A0676/00R002 | Flanders | 73 m² | 1 · 134 m² | 5.9 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
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Ets TOURNAY
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Gaz Gaz
BE 0758.415.581
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SAMUIL BD
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,153 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 formPublic limited company
Founded21-12-1992
Fiscal year end30-09
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.