Luvic

Active

Private limited companyfounded 20242 yrs activeMoerenstraat 33, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 1007.934.819

Summary

Luvic has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,085 and a net result of €22,085. The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch Report Compare

LuvicActiveChecked score 69/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€31,026total assets 2025

Equity: €23,085
Profit: €22,085

Turnover not published (abridged schema)

Financial health

69 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.9%

Structure

Accounts 2 d early0 of 1 deed read

Why 69- Founded in 2024- No main activity registered- Size: total assets €31,026+ Liquidity: current ratio 3.91, cash €31,026Show the evidence

Checked score

Score 2025

69 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 78% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 99

equity 74.4% of total assets

Liquidity 90

short-term debt 25.6% · cash 100.0%

Profitability 100

return on assets 71.2%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 12 months 11-2025: 3.6%highest value 12-2025: 3.6%▼ -0.5% vs 11-2025 01-2026: 3.5%▼ -3.2% vs 12-2025 02-2026: 0.6%▼ -81.7% vs 01-2026 03-2026: 0.6%▼ -2.2% vs 02-2026lowest value 04-2026: 0.6%● 0.0% vs 03-2026lowest value 05-2026: 0.8%▲ +32.5% vs 04-2026 06-2026: 0.8%● 0.0% vs 05-2026 07-2026: 0.8%▼ -0.1% vs 06-2026 08-2026: 0.8%● 0.0% vs 07-2026 09-2026: 0.9%▲ +3.9% vs 08-2026 10-2026: 0.9%▲ +3.4% vs 09-2026

Liquidity: current ratio 3.91, cash €31,026 lowers the probability
Founded in 2024 raises the probability for this profile
No main activity registered raises the probability
Size: total assets €31,026 raises the probability for this profile

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 3.91; short-term debt: 25.6% and cash: 100% of total assets), and 25.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 62%, liquidity 81%, profitability 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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