LUPCLIM
ActiveSummary
The computed 12-month bankruptcy probability of LUPCLIM is 1.9% (moderate). The 2025 annual accounts show equity of €133k and a net result of €133k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency66=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 0.84 in 2024; short-term debt: 59.4% and cash: 71.5% of total assets), and 59.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
40.6%
Return on assets
40.7%
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 17-04-2026, 13 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
13 d early
2024
15 d early
2023
28 d early
2022
4 d late
← 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
€133k▲ 89.2%
2024 · €70k
2022: €40k
2023: €82k
2024: €70k
2022 → 2025
Total assets
€327k▲ 89.6%
2024 · €173k
2022: €73k
2023: €202k
2024: €173k
2022 → 2025
Net result
€133k▲ 183%
2024 · €47k
2022: €37k
2023: €42k
2024: €47k
2022 → 2025
Working capital
€70k
2024 · €-16k
2022: €28k
2023: €64k
2024: €-16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€40k-€82k▲ 105%€70k▼ 14.3%€133k▲ 89.2%
Operating result€37k-€77k▲ 109%€54k▼ 30.2%€192k▲ 254%
Net result€37k-€42k▲ 13.9%€47k▲ 12.1%€133k▲ 183%
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 254% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€63k ▼ 26.5%
Current assets
€264k ▲ 205%
Equity and liabilities €327k
Equity
€133k ▲ 89.2%
Debt
€195k ▲ 89.8%
Debt's share of the balance-sheet total rises from 59.3% to 59.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€208k▲
2024 · €63k
Cash flow
€150k▲
2024 · €56k
Current ratio
1.36▲
2024 · 0.84
Debt to equity
1.46▲
2024 · 1.46
ROE
100.3%▲
2024 · 67.1%
ROA
40.7%▲
2024 · 27.3%
Interest coverage
258.22▲
2024 · 205.12
Debt ≤ 1 year
€195k▲
2024 · €102k
Income taxes
€57k▲
2024 · €7k
Staff costs
€79k▲
2024 · €71k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€173k€327k▲
Fixed assets21/28€86k€63k▼
Tangible fixed assets22/27€83k€61k▼
Land and buildings22€21k€19k▼
Plant, machinery and equipment23€13k€14k▲
Furniture and vehicles24€49k€27k▼
Financial fixed assets28€3k€3k=
Current assets29/58€87k€264k▲
Amounts receivable within one year40/41€69k€30k▼
Trade receivables40€64k€25k▼
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€17k€234k▲
Equity and liabilities
Total equity and liabilities10/49€173k€327k▲
Equity10/15€70k€133k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€67k€130k▲
Amounts payable17/49€102k€195k▲
Amounts payable within one year42/48€102k€195k▲
Trade debts44€18k€42k▲
Suppliers440/4€18k€42k▲
Taxes, remuneration and social security45€32k€78k▲
Taxes450/3€21k€68k▲
Remuneration and social security454/9€11k€10k▼
Other amounts payable47/48€53k€75k▲
Income statement
Code20242025
Non-recurring operating income76A-€579
Remuneration, social security and pensions62€71k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€17k▲
Other operating charges640/8€12k€32k▲
Non-recurring operating charges66A-€9k
Gross operating margin9900€146k€328k▲
Operating profit (loss)9901€54k€192k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€308€806▲
Recurring financial charges65€308€806▲
Profit (loss) for the period before taxes9903€54k€191k▲
Income taxes67/77€7k€57k▲
Profit (loss) for the period9904€47k€133k▲
Profit (loss) for the period to be appropriated9905€47k€133k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€200k▲
Profit (loss) brought forward from the previous period14P€79k€67k▼
Profit to be distributed694/7€59k€71k▲
Return on contributions (dividend)694€59k€71k▲
The notes to these accounts (8 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €133k ▲183%
Operating result €192k, net result €133k, both a record.
30-09
Financial
Equity above €100kEq €133k ▲89.2%
4 profitable years in a row build equity to €133k.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 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, Vilvoorde · 1 establishment unit since 2021
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.
Schaarbeeklei 201800 VilvoordeGround area
122 m²
Building footprint
92 m²
Parcel 23642D0909/00B017, Flanders. Linked by address, not a title deed.
1 establishment unit
LUPCLIM
since 20212.319.878.328
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0909/00B017 | Flanders | 122 m² | 1 · 92 m² | - |
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
1 categoryLUPCLIM BV41710
Similar companies · same sector, comparable size
NANORIA
BE 0864.401.147
Vorst · Eq €133,617
BUILDING TECHNICAL MANAGEMENT & SERVICES
BE 0883.326.342
Ath · Eq €133,704
Werken Feyaerts
BE 0743.931.996
Tremelo · Eq €134,311
AFBRAAKWERKEN VAN NIEUWENHUYSE
BE 0473.251.320
Holsbeek · Eq €131,430
R & N GENERALE
BE 0506.890.326
Schaarbeek · Eq €130,742
Of 1,365 companies in sector 43110 we hold annual accounts for 632. 499 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 formPrivate limited company
Founded16-07-2021
Fiscal year end30-09
Activities, NACEBEL 2025
43110Demolition
43230Insulation installation
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.