LUP
ActiveLUP has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €16k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 52% of 7311 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
97
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+11
Solvency79▲+7
Growth51▼-12
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.46 in 2024), and 54.3% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
45.7%
Return on assets
7.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
22 d early
2023
on the day
2022
18 d late
2021
37 d early
2021
4 d early
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€420k▼ 23.8%
2024 · €551k
2021: €358k
2022: €482k
2023: €460k
2024: €551k
2021 → 2025
EBIT margin
6.6%▲ 2.1pp
2024 · 4.5%
2021: 11.5%
2022: 10.2%
2023: 13.2%
2024: 4.5%
2021 → 2025
Net result
€16k▲ 17.6%
2024 · €13k
2019: €58k
2020: €12k
2021: €-7k
2021: €2k
2022: €29k
2023: €32k
2024: €13k
2019 → 2025
Working capital
€45k▲ 10.0%
2024 · €41k
2019: €57
2020: €3k
2021: €55k
2021: €7k
2022: €38k
2023: €90k
2024: €41k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€358k-€482k▲ 34.5%€460k▼ 4.5%€551k▲ 19.8%€420k▼ 23.8%
Equity€20k-€49k▲ 146%€81k▲ 64.7%€94k▲ 16.3%€99k▲ 4.8%
Operating result€41k-€49k▲ 19.3%€61k▲ 23.9%€25k▼ 59.3%€28k▲ 11.7%
Net result€2k-€29k▲ 1,591%€32k▲ 8.2%€13k▼ 58.5%€16k▲ 17.6%
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 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€78k▼ 23.4%
Current assets
€138k▲ 6.3%
Equity and liabilities €216k
Equity
€99k▲ 4.8%
Debt
€117k▼ 14.8%
The debt ratio falls from 59.4% to 54.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€57k▲
2024 · €54k
Cash flow
€45k▲
2024 · €42k
Solvency
45.7%▲
2024 · 40.6%
Current ratio
1.48▲
2024 · 1.46
Quick ratio
1.48▲
2024 · 1.46
Debt / equity
1.19▼
2024 · 1.46
ROE
15.7%▲
2024 · 14.0%
ROA
7.2%▲
2024 · 5.7%
Interest coverage
6.83▼
2024 · 9.12
Debt
€117k▼
2024 · €138k
Debt ≤ 1 year
€93k▲
2024 · €89k
Debt > 1 year
€25k▼
2024 · €49k
Income taxes
€4k▼
2024 · €6k
Staff costs
€0▼
2024 · €607
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€232k€216k▼
Fixed assets21/28€102k€78k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€101k€74k▼
Plant, machinery and equipment23€68k€51k▼
Furniture and vehicles24€33k€22k▼
Financial fixed assets28€2k€2k=
Current assets29/58€130k€138k▲
Amounts receivable within one year40/41€105k€136k▲
Trade receivables40€48k€77k▲
Other amounts receivable41€57k€59k▲
Cash at bank and in hand54/58€25k€1k▼
Deferred charges and accrued income490/1€84€366▲
Equity and liabilities
Total equity and liabilities10/49€232k€216k▼
Equity10/15€94k€99k▲
Profit (loss) carried forward14€94k€99k▲
Amounts payable17/49€138k€117k▼
Amounts payable after more than one year17€49k€25k▼
Financial debts170/4€49k€25k▼
Amounts payable within one year42/48€89k€93k▲
Current portion of amounts payable after more than one year42-€29k
Financial debts43€35k€21k▼
Credit institutions430/8€35k€21k▼
Other loans439€0-
Trade debts44€47k€39k▼
Suppliers440/4€47k€39k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Turnover70€551k€420k▼
Goods, raw materials, services and sundry goods60/61€496k€361k▼
Remuneration, social security and pensions62€607€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▲
Other operating charges640/8€915€2k▲
Gross operating margin9900€55k€59k▲
Operating profit (loss)9901€25k€28k▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€19k€19k▲
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€13k€16k▲
Profit (loss) for the period to be appropriated9905€13k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€110k▲
Profit (loss) brought forward from the previous period14P€81k€94k▲
Profit to be distributed694/7-€11k
Return on contributions (dividend)694-€11k
The notes to these accounts (10 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-7k ▼155%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 2.79
Current ratio from 1.05 to 2.79; short-term debt falls from €53k to €31k.
2020
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 49 days late
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 45 days late
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, La Louvière · 1 establishment unit since 2010
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 du Roeulx(M) 407110 La LouvièreGround area
292 m²
Building footprint
49 m²
Volume, LiDAR
415 m³
Parcel 55026A0161/00G010, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Roeulx(M) 40, 7110 La Louvière
since 20102.192.739.735
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55026A0161/00G010 | Wallonia | 292 m² | 1 · 49 m² | 10.1 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
8 categoriesLUP SRL37292
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Of 2,429 companies in sector 41003 we hold annual accounts for 1,047. 740 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2010
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.