LutopiaK
ActiveSummary
The annual accounts of LutopiaK for fiscal year 2025 show a net loss of 58% of total assets and of 54% of the equity at the start of that year. The 2025 annual accounts show equity of €15k and a net result of €-18k. Its solvency ranks better than 45% of 31694 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency75▼-3
Growth32
Track record82
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.99 against 2.15 in 2024; short-term debt: 50.2% and cash: 99.8% of total assets), but 50.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.8%
Return on assets
-58.4%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 53.9%
2024 · €34k
2024: €34k
2024 → 2025
Total assets
€31k▼ 50.7%
2024 · €63k
2024: €63k
2024 → 2025
Net result
€-18k
2024 · €36k
2024: €36k
2024 → 2025
Working capital
€15k▼ 53.9%
2024 · €34k
2024: €34k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€34k-€15k▼ 53.9%
Operating result€43k-€-18k
Net result€36k-€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €43k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €31k
Equity
€15k ▼ 53.9%
Debt
€16k ▼ 46.9%
Debt's share of the balance-sheet total rises from 46.6% to 50.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.99▼
2024 · 2.15
Debt to equity
1.01▲
2024 · 0.87
ROE
-117.1%▼
2024 · 108.2%
ROA
-58.4%▼
2024 · 57.8%
Debt ≤ 1 year
€16k▼
2024 · €29k
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€63k€31k▼
Current assets29/58€63k€31k▼
Amounts receivable within one year40/41€9k€76▼
Trade receivables40€8k-
Other amounts receivable41€428€76▼
Cash at bank and in hand54/58€52k€31k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€63k€31k▼
Equity10/15€34k€15k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€26k€8k▼
Amounts payable17/49€29k€16k▼
Amounts payable within one year42/48€29k€16k▼
Trade debts44€3k€425▼
Suppliers440/4€3k€425▼
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€12k€7k▼
Remuneration and social security454/9€2k€7k▲
Other amounts payable47/48€12k€2k▼
Income statement
Code20242025
Other operating charges640/8€898€528▼
Gross operating margin9900€44k€-18k▼
Operating profit (loss)9901€43k€-18k▼
Financial income75/76B€79€234▲
Recurring financial income75€79€234▲
Financial charges65/66B€74€48▼
Recurring financial charges65€74€48▼
Profit (loss) for the period before taxes9903€43k€-18k▼
Income taxes67/77€7k-
Profit (loss) for the period9904€36k€-18k▼
Profit (loss) for the period to be appropriated9905€36k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€8k▼
Profit (loss) brought forward from the previous period14P-€26k
Profit to be distributed694/7€10k-
Directors or managers695€10k-
The notes to these accounts (1 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
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, Knokke-Heist · 1 establishment unit since 2023
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.
Albertlaan 488300 Knokke-HeistGround area
104 m²
Building footprint
104 m²
Volume, LiDAR
1,091 m³
Parcel 31333H0043/00_000, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LutopiaK
since 20232.354.107.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333H0043/00_000 | Flanders | 104 m² | 1 · 104 m² | 14.8 m · 4 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.
Similar companies · same sector, comparable size
THE SPARKLE LAB
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BE 0442.168.956
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RPW
BE 0691.829.338
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VERMEER GROEP
BE 0726.951.058
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SOUNDS CLEAR
BE 1029.368.552
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 27,800 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
Founded19-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.