LUTIMMO BUILD
ActiveLUTIMMO BUILD has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €546k and a net result of €108k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+3
Solvency78=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 1.56 in 2024; short-term debt: 27.1% and cash: 39.2% of total assets), and 47.3% 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 · 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
52.7%
Return on assets
10.5%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
25 d early
2024
25 d early
2023
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€108k▲ 53.5%
2024 · €71k
2023: €91k
2024: €71k
2023 → 2025
Working capital
€417k▲ 252%
2024 · €118k
2023: €66k
2024: €118k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€367k-€438k▲ 19.3%€546k▲ 24.8%
Operating result€136k-€112k▼ 17.4%€113k▲ 0.7%
Net result€91k-€71k▼ 22.1%€108k▲ 53.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€338k▼ 32.7%
Current assets
€698k▲ 111%
Equity and liabilities €1.04M
Equity
€546k▲ 24.8%
Debt
€490k▲ 23.8%
The debt ratio falls from 47.5% to 47.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€127k▲
2024 · €126k
Cash flow
€123k▲
2024 · €85k
Solvency
52.7%▲
2024 · 52.5%
Current ratio
2.48▲
2024 · 1.56
Quick ratio
2.48▲
2024 · 1.56
Debt / equity
0.90▼
2024 · 0.90
ROE
19.9%▲
2024 · 16.1%
ROA
10.5%▲
2024 · 8.5%
Interest coverage
13.18▲
2024 · 12.23
Debt
€490k▲
2024 · €396k
Debt ≤ 1 year
€281k▲
2024 · €213k
Debt > 1 year
€189k▲
2024 · €183k
Income taxes
€35k▲
2024 · €32k
Staff costs
€62k▲
2024 · €62k
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€833k€1.04M▲
Fixed assets21/28€502k€338k▼
Tangible fixed assets22/27€352k€338k▼
Land and buildings22€344k€334k▼
Plant, machinery and equipment23€1k€310▼
Other tangible fixed assets26€7k€4k▼
Financial fixed assets28€150k-
Current assets29/58€331k€698k▲
Amounts receivable after more than one year29€20k€30k▲
Other amounts receivable291€20k€30k▲
Amounts receivable within one year40/41€49k€261k▲
Trade receivables40€29k€245k▲
Other amounts receivable41€20k€16k▼
Cash at bank and in hand54/58€262k€407k▲
Equity and liabilities
Total equity and liabilities10/49€833k€1.04M▲
Equity10/15€438k€546k▲
Contributions10/11€1k€1k=
Reserves13€159k€229k▲
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Tax-exempt reserves132€28k€28k=
Distributable reserves133€130k€200k▲
Profit (loss) carried forward14€278k€317k▲
Amounts payable17/49€396k€490k▲
Amounts payable after more than one year17€183k€189k▲
Financial debts170/4€183k€149k▼
Other amounts payable178/9-€40k
Amounts payable within one year42/48€213k€281k▲
Current portion of amounts payable after more than one year42€49k€47k▼
Trade debts44€96k€208k▲
Suppliers440/4€96k€208k▲
Taxes, remuneration and social security45€24k€16k▼
Taxes450/3€15k€6k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€44k€10k▼
Accrued charges and deferred income492/3-€20k
Income statement
Code20242025
Remuneration, social security and pensions62€62k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€159€2k▲
Gross operating margin9900€188k€190k▲
Operating profit (loss)9901€112k€113k▲
Financial income75/76B€1k€40k▲
Recurring financial income75€1k€4k▲
Non-recurring financial income76B-€36k
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€103k€143k▲
Income taxes67/77€32k€35k▲
Profit (loss) for the period9904€71k€108k▲
Profit (loss) for the period to be appropriated9905€71k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€328k€387k▲
Profit (loss) brought forward from the previous period14P€258k€278k▲
Transfer to equity691/2€50k€70k▲
To other reserves6921€50k€70k▲
Social balance
Average headcount (FTE)9087-61,873.0
The notes to these accounts (9 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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Highest result since 2023net €108k ▲53.5%
Net result €108k, the highest in the series.
30-06
Financial
Equity above €500kEq €546k ▲24.8%
3 profitable years in a row build equity to €546k.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €71k ▼22.1%
Net result drops to €71k, the lowest in the series; recovery starts the following year.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Assesse · 1 establishment unit since 2014
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 des Grands Joncs 385336 AssesseGround area
2,635 m²
Building footprint
142 m²
Parcel 92028A0012/00A002, Wallonia. Linked by address, not a title deed.
1 establishment unit
LUTIMMO BUILD
since 20142.232.977.612
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92028A0012/00A002 | Wallonia | 2,635 m² | 1 · 142 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.
Similar companies · same sector, comparable size
BOUWBEDRIJF J. VAN HAMME
BE 0417.604.893
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GREEN CONSTRUCT
BE 0895.551.312
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MAGISTER ONTWIKKELING
BE 0885.592.083
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WINGMAN
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BOUWWERKEN LANNEER PATRICK
BE 0505.725.930
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 8,890 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2014
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
68310Real estate agency activities
68311Real estate activities
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43341Painting of buildings
43350Other building finishing work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.