Summary
LUVA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €328,551 and a net result of €82,775. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 5547 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 08-04-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
49 d early
2023
32 d early
2022
12 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#9 company by equity in Haaltert, Finance and insurance sector
Equity
€328,551▲ 28.5%
2024 · €255,776
Net result
€82,775▲ 15.7%
2024 · €71,520
Total assets
€440,537▲ 0.7%
2024 · €437,323
Solvency
74.6%▲ 16.1pp
2024 · 58.5%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€11,658-€256,983€103,888▼ 59.6%€122,546▲ 18.0%
Net result-€11,787-€191,043€71,520▼ 62.6%€82,775▲ 15.7%
Equity-€6,787-€184,256€255,776▲ 38.8%€328,551▲ 28.5%
Total assets€73-€428,805▲ 585,459%€437,323▲ 2.0%€440,537▲ 0.7%
Debt€6,860-€244,549▲ 3,465%€181,547▼ 25.8%€111,986▼ 38.3%
Working capital-€6,787-€9,322€71,576▲ 668%€92,085▲ 28.7%
Solvency-9268.2%-43.0%▲ 9311.2pp58.5%▲ 15.5pp74.6%▲ 16.1pp
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €440,537
Fixed assets
€282,225 ▼ 6.3%
Current assets
€158,312 ▲ 16.3%
Equity and liabilities €440,537
Equity
€328,551 ▲ 28.5%
Debt
€111,986 ▼ 38.3%
Debt's share of the balance-sheet total falls from 41.5% to 25.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
25.2%▼
2024 · 28.0%
ROA
18.8%▲
2024 · 16.4%
Debt ≤ 1 year
€66,227▲
2024 · €64,496
Debt > 1 year
€45,359▼
2024 · €108,989
Income taxes
€34,992▲
2024 · €25,264
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,120 | €19,025 | €19,025 | = |
| Other operating charges640/8 | €709 | €1,007 | €528 | €544 | ▲ 3.0% |
| Gross operating margin9900 | -€10,949 | €259,109 | €123,441 | €142,115 | ▲ 15.1% |
| Operating profit (loss)9901 | -€11,658 | €256,983 | €103,888 | €122,546 | ▲ 18.0% |
| Financial income75/76B | - | - | €0 | €270 | ▲ 2,699,100% |
| Recurring financial income75 | - | - | €0 | €270 | ▲ 2,699,100% |
| Financial charges65/66B | €129 | €5,275 | €7,104 | €5,049 | ▼ 28.9% |
| Recurring financial charges65 | €129 | €5,275 | €7,104 | €5,049 | ▼ 28.9% |
| Profit (loss) for the period before taxes9903 | -€11,787 | €251,708 | €96,785 | €117,767 | ▲ 21.7% |
| Income taxes67/77 | - | €60,665 | €25,264 | €34,992 | ▲ 38.5% |
| Profit (loss) for the period9904 | -€11,787 | €191,043 | €71,520 | €82,775 | ▲ 15.7% |
| Profit (loss) for the period to be appropriated9905 | -€11,787 | €191,043 | €71,520 | €82,775 | ▲ 15.7% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €73 | €428,805 | €437,323 | €440,537 | ▲ 0.7% |
| Fixed assets21/28 | - | €319,255 | €301,250 | €282,225 | ▼ 6.3% |
| Tangible fixed assets22/27 | - | €94,005 | €74,980 | €55,955 | ▼ 25.4% |
| Furniture and vehicles24 | - | €94,005 | €74,980 | €55,955 | ▼ 25.4% |
| Financial fixed assets28 | - | €225,250 | €226,270 | €226,270 | = |
| Current assets29/58 | €73 | €109,549 | €136,072 | €158,312 | ▲ 16.3% |
| Amounts receivable within one year40/41 | - | €72,568 | €78,700 | €138,480 | ▲ 76.0% |
| Trade receivables40 | - | €1,368 | €7,500 | €67,280 | ▲ 797% |
| Other amounts receivable41 | - | €71,200 | €71,200 | €71,200 | = |
| Cash at bank and in hand54/58 | €73 | €36,849 | €57,239 | €19,696 | ▼ 65.6% |
| Deferred charges and accrued income490/1 | - | €133 | €133 | €136 | ▲ 2.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €73 | €428,805 | €437,323 | €440,537 | ▲ 0.7% |
| Equity10/15 | -€6,787 | €184,256 | €255,776 | €328,551 | ▲ 28.5% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | €179,256 | €250,776 | €323,551 | ▲ 29.0% |
| Distributable reserves133 | - | €179,256 | €250,776 | €323,551 | ▲ 29.0% |
| Profit (loss) carried forward14 | -€11,787 | €0 | - | €0 | - |
| Amounts payable17/49 | €6,860 | €244,549 | €181,547 | €111,986 | ▼ 38.3% |
| Amounts payable after more than one year17 | - | €143,748 | €108,989 | €45,359 | ▼ 58.4% |
| Financial debts170/4 | - | €143,748 | €108,989 | €45,359 | ▼ 58.4% |
| Amounts payable within one year42/48 | €6,860 | €100,227 | €64,496 | €66,227 | ▲ 2.7% |
| Current portion of amounts payable after more than one year42 | - | €33,789 | €34,758 | €27,405 | ▼ 21.2% |
| Financial debts43 | - | - | - | €3,789 | - |
| Credit institutions430/8 | - | - | - | €3,789 | - |
| Trade debts44 | €720 | €0 | €978 | €6,256 | ▲ 540% |
| Suppliers440/4 | €720 | €0 | €978 | €6,256 | ▲ 540% |
| Taxes, remuneration and social security45 | - | €60,737 | €26,194 | €20,145 | ▼ 23.1% |
| Taxes450/3 | - | €60,737 | €26,194 | €20,145 | ▼ 23.1% |
| Other amounts payable47/48 | €6,140 | €5,702 | €2,566 | €8,633 | ▲ 236% |
| Accrued charges and deferred income492/3 | - | €574 | €8,062 | €400 | ▼ 95.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€11,787 | €191,043 | €71,520 | €82,775 | ▲ 15.7% |
| + Depreciation and write-downs630 | - | €1,120 | €19,025 | €19,025 | = |
| Operating cash flow (approximation) | -€11,787 | €192,162 | €90,545 | €101,800 | ▲ 12.4% |
| Investment in fixed assets (approximation) | - | - | -€1,020 | €0 | ▲ 100% |
| Change in cash | - | €36,776 | €20,390 | -€37,543 | ▼ 284% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €200,000Eq €255,776 ▲38.8%
2 profitable years in a row build equity to €255,776.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €191,043
Net result €191,043 after one loss-making year.
30-09
Financial
Liquidity times 102current ratio 1.09
Current ratio from 0.01 to 1.09.
30-09
Financial
Equity above €150,000Eq €184,256
Equity rises from -€6,787 to €184,256.
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Haaltert · 1 establishment unit since 2020
Ground area
597 m²
Building footprint
103 m²
Volume, LiDAR
583 m³
Parcel 41024A0938/00F000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUVA
since 20202.357.108.908
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024A0938/00F000 | Flanders | 597 m² | 1 · 103 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,730 companies in sector 64210 we hold annual accounts for 19,772. 13,779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-12-2020
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.