LUPO PREMIUM
ActiveThe computed 12-month bankruptcy probability of LUPO PREMIUM is 1.9% (moderate). The 2025 annual accounts show equity of €28k and a net result of €11k. Its solvency ranks better than 43% of 18207 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency51▼-24
Growth52
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.44 in 2024; short-term debt: 50.3% and cash: 21.6% of total assets), and 74.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
25.7%
Return on assets
9.5%
Age of the figures
9 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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 58.5%
2024 · €18k
2024: €18k
2024 → 2025
Total assets
€111k▲ 208%
2024 · €36k
2024: €36k
2024 → 2025
Net result
€11k▼ 37.0%
2024 · €17k
2024: €17k
2024 → 2025
Working capital
€3k▼ 68.6%
2024 · €8k
2024: €8k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€18k-€28k▲ 58.5%
Operating result€22k-€15k▼ 34.3%
Net result€17k-€11k▼ 37.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€53k▲ 428%
Current assets
€58k▲ 124%
Equity and liabilities €111k
Equity
€28k▲ 58.5%
Debt
€82k▲ 358%
The debt ratio rises from 50.1% to 74.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €26k
Cash flow
€19k▼
2024 · €20k
Solvency
25.7%▼
2024 · 49.9%
Current ratio
1.05▼
2024 · 1.44
Quick ratio
0.87▼
2024 · 0.99
Debt / equity
2.90▲
2024 · 1.00
ROE
36.9%▼
2024 · 92.9%
ROA
9.5%▼
2024 · 46.4%
Interest coverage
29.58▼
2024 · 148.99
Debt
€82k▲
2024 · €18k
Debt ≤ 1 year
€56k▲
2024 · €18k
Debt > 1 year
€27k
Income taxes
€3k▼
2024 · €6k
Staff costs
€24k▲
2024 · €673
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€36k€111k▲
Fixed assets21/28€10k€53k▲
Tangible fixed assets22/27€10k€53k▲
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€557€46k▲
Current assets29/58€26k€58k▲
Stocks and contracts in progress3€8k€10k▲
Stocks30/36€8k€10k▲
Amounts receivable within one year40/41€11k€22k▲
Trade receivables40€5k€13k▲
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€7k€24k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€36k€111k▲
Equity10/15€18k€28k▲
Contributions10/11€3k€3k=
Reserves13€15k€25k▲
Distributable reserves133€15k€25k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€82k▲
Amounts payable after more than one year17-€27k
Financial debts170/4-€27k
Amounts payable within one year42/48€18k€56k▲
Current portion of amounts payable after more than one year42€4k€10k▲
Trade debts44€10k€12k▲
Suppliers440/4€10k€12k▲
Taxes, remuneration and social security45€3k€11k▲
Taxes450/3€3k€5k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€2k€24k▲
Income statement
Code20242025
Remuneration, social security and pensions62€673€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€28k€50k▲
Operating profit (loss)9901€22k€15k▼
Financial income75/76B€169€31▼
Recurring financial income75€169€31▼
Financial charges65/66B€175€782▲
Recurring financial charges65€175€782▲
Profit (loss) for the period before taxes9903€22k€14k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€17k€11k▼
Profit (loss) for the period to be appropriated9905€17k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€11k▼
Transfer to equity691/2€15k€11k▼
To other reserves6921€15k€11k▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (11 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Kasterlee · 1 establishment unit since 2024
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.
Herentalsesteenweg 92460 KasterleeGround area
902 m²
Building footprint
258 m²
Parcel 13018C0079/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
Jorun Huybrechts
since 20242.360.117.886
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13018C0079/00P000 | Flanders | 902 m² | 1 · 258 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.
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ROWI AUTO SERVICE
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UNIPOC
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Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 684 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2024
Fiscal year end31-12
Trade name NL
JORUN HUYBRECHTS
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.