Lurade
ActiveLurade has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159k and a net result of €34k. Equity is growing by ~29% per year across the filed fiscal years. Its solvency ranks better than 77% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 4.04 in 2024; short-term debt: 21.2% and cash: 53.2% of total assets), and 21.2% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
78.8%
Return on assets
17.1%
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 29-04-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
2 d early
2021
3 d early
← before the deadline
after the deadline →
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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▲ 0.8%
2024 · €157k
2021: €71k
2022: €94k
2023: €123k
2024: €157k
2021 → 2025
Total assets
€201k▲ 8.5%
2024 · €186k
2021: €120k
2022: €119k
2023: €220k
2024: €186k
2021 → 2025
Net result
€34k▼ 1.1%
2024 · €35k
2021: €68k
2022: €23k
2023: €29k
2024: €35k
2021 → 2025
Working capital
€95k▲ 10.4%
2024 · €86k
2021: €56k
2022: €33k
2023: €52k
2024: €86k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€94k▲ 32.3%€123k▲ 31.2%€157k▲ 28.3%€159k▲ 0.8%
Operating result€86k-€33k▼ 61.1%€45k▲ 34.7%€52k▲ 15.0%€48k▼ 6.9%
Net result€68k-€23k▼ 66.5%€29k▲ 27.5%€35k▲ 19.3%€34k▼ 1.1%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€64k▼ 10.8%
Current assets
€137k▲ 20.5%
Equity and liabilities €201k
Equity
€159k▲ 0.8%
Debt
€43k▲ 51.4%
The debt ratio rises from 15.2% to 21.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €62k
Cash flow
€45k▼
2024 · €45k
Solvency
78.8%▼
2024 · 84.8%
Current ratio
3.22▼
2024 · 4.04
Quick ratio
3.22▼
2024 · 4.04
Debt / equity
0.27▲
2024 · 0.18
ROE
21.7%▼
2024 · 22.1%
ROA
17.1%▼
2024 · 18.7%
Interest coverage
369.20▲
2024 · 28.75
Debt
€43k▲
2024 · €28k
Debt ≤ 1 year
€43k▲
2024 · €28k
Income taxes
€14k▼
2024 · €15k
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€186k€201k▲
Fixed assets21/28€72k€64k▼
Tangible fixed assets22/27€72k€64k▼
Land and buildings22€66k€59k▼
Plant, machinery and equipment23€211€0▼
Furniture and vehicles24€5k€5k▼
Current assets29/58€114k€137k▲
Amounts receivable within one year40/41€23k€30k▲
Trade receivables40€20k€16k▼
Other amounts receivable41€3k€14k▲
Cash at bank and in hand54/58€87k€107k▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€186k€201k▲
Equity10/15€157k€159k▲
Contributions10/11€3k€3k=
Reserves13€155k€156k▲
Distributable reserves133€155k€156k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€28k€43k▲
Amounts payable within one year42/48€28k€43k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€11k▲
Other amounts payable47/48€24k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8-€387
Non-recurring operating charges66A-€0
Gross operating margin9900€62k€59k▼
Operating profit (loss)9901€52k€48k▼
Financial income75/76B€171€600▲
Recurring financial income75€171€600▲
Non-recurring financial income76B€0€0▼
Financial charges65/66B€2k€159▼
Recurring financial charges65€2k€159▼
Non-recurring financial charges66B€0€0▼
Profit (loss) for the period before taxes9903€50k€48k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€35k€34k▼
Profit (loss) for the period to be appropriated9905€35k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€34k▼
Transfer from equity791/2-€33k
Transfer to equity691/2€35k€34k▼
To other reserves6921€35k€34k▼
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
The notes to these accounts (5 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity triplescurrent ratio 4.04
Current ratio from 1.56 to 4.04; short-term debt falls from €92k to €28k.
30-09
Financial
Equity above €150kEq €157k ▲28.3%
4 profitable years in a row build equity to €157k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €123k ▲31.2%
3 profitable years in a row build equity to €123k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €23k ▼66.5%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Merchtem · 1 establishment unit since 2020
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.
Poverstraat 61785 MerchtemGround area
4,072 m²
Building footprint
453 m²
Volume, LiDAR
1,940 m³
Parcel 23012F0087/00G000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lurade
since 20202.300.379.348
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012F0087/00G000 | Flanders | 4,072 m² | 1 · 453 m² | 8.2 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.
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 7,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2020
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.