Summary
LUVRI 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 €674,211 and a net result of €31,852. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 8091 sector peers (fiscal year 2025). The company has been active since 1993 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 · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
28 d late
2023
9 d late
2022
22 d late
2020
4 d early
2019
3 d early
2018
7 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 21 November (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€674,211▲ 5.0%
2024 · €642,359
Net result
€31,852▲ 52.5%
2024 · €20,890
Total assets
€1.3m▼ 3.4%
2024 · €1.3m
Solvency
52.6%▲ 4.2pp
2024 · 48.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202022202320242025
Operating result€28,346▼ 15.3%€53,976-€22,901▼ 57.6%€45,580▲ 99.0%€58,319▲ 28.0%
Net result€4,753within the sector's middle half▼ 81.2%€39,198within the sector's middle half-€4,103within the sector's middle half▼ 89.5%€20,890within the sector's middle half▲ 409%€31,852within the sector's middle half▲ 52.5%
Equity€578,168above the sector's middle half▲ 0.8%€617,366above the sector's middle half-€621,469above the sector's middle half▲ 0.7%€642,359above the sector's middle half▲ 3.4%€674,211above the sector's middle half▲ 5.0%
Total assets€1.5mabove the sector's middle half▼ 3.1%€1.4mabove the sector's middle half-€1.4mabove the sector's middle half▼ 3.2%€1.3mabove the sector's middle half▼ 3.7%€1.3mabove the sector's middle half▼ 3.4%
Debt€747,097▼ 6.0%€673,784-€628,203▼ 6.8%€561,731▼ 10.6%€489,664▼ 12.8%
Working capital-€68,632below the sector's middle half▼ 15.8%-€77,145below the sector's middle half--€90,745below the sector's middle half▼ 17.6%-€88,423below the sector's middle half▲ 2.6%-€77,445below the sector's middle half▲ 12.4%
Solvency38.8%within the sector's middle half▲ 1.5pp43.4%within the sector's middle half-45.2%within the sector's middle half▲ 1.8pp48.4%within the sector's middle half▲ 3.3pp52.6%within the sector's middle half▲ 4.2pp
Current ratio0.12below the sector's middle half▼ 0.070.23below the sector's middle half-0.19below the sector's middle half▼ 0.040.14below the sector's middle half▼ 0.050.09below the sector's middle half▼ 0.05
Return on assets (ROA)0.3%below the sector's middle half▼ 1.3pp2.8%within the sector's middle half-0.3%below the sector's middle half▼ 2.5pp1.6%within the sector's middle half▲ 1.3pp2.5%within the sector's middle half▲ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€1.3m ▼ 2.9%
Current assets
€8,030 ▼ 44.6%
Equity and liabilities €1.3m
Equity
€674,211 ▲ 5.0%
Provisions
€117,028 ▼ 3.9%
Debt
€489,664 ▼ 12.8%
Debt's share of the balance-sheet total falls from 42.4% to 38.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.7%▲
2024 · 3.3%
Debt ≤ 1 year
€85,475▼
2024 · €102,909
Debt > 1 year
€397,530▼
2024 · €454,235
Income taxes
€16,003▲
2024 · €12,046
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47,462 | €80,957 | €44,299 | €44,092 | €44,143 | ▲ 0.1% |
| Other operating charges640/8 | - | €11,970 | €7,226 | €7,800 | €7,886 | ▲ 1.1% |
| Gross operating margin9900 | €83,824 | €146,903 | €74,426 | €97,471 | €110,348 | ▲ 13.2% |
| Operating profit (loss)9901 | €28,346 | €53,976 | €22,901 | €45,580 | €58,319 | ▲ 28.0% |
| Financial income75/76B | - | €2 | €1 | - | - | - |
| Recurring financial income75 | €7 | €2 | €1 | - | - | - |
| Financial charges65/66B | - | €34,208 | €17,382 | €17,393 | €15,213 | ▼ 12.5% |
| Recurring financial charges65 | €20,063 | €34,208 | €17,382 | €17,393 | €15,213 | ▼ 12.5% |
| Profit (loss) for the period before taxes9903 | €8,291 | €19,770 | €5,521 | €28,187 | €43,107 | ▲ 52.9% |
| Transfer from deferred taxes780 | - | €33,882 | €4,749 | €4,749 | €4,749 | = |
| Income taxes67/77 | €9,156 | €14,454 | €6,166 | €12,046 | €16,003 | ▲ 32.9% |
| Profit (loss) for the period9904 | €4,753 | €39,198 | €4,103 | €20,890 | €31,852 | ▲ 52.5% |
| Transfer from tax-exempt reserves789 | - | €24,931 | €14,247 | €14,247 | €14,247 | = |
| Transfer to tax-exempt reserves689 | - | €25,572 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €18,130 | €38,558 | €18,350 | €35,136 | €46,099 | ▲ 31.2% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 3.4% |
| Fixed assets21/28 | €1.5m | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 2.9% |
| Tangible fixed assets22/27 | €1.5m | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 2.9% |
| Land and buildings22 | - | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 3.3% |
| Furniture and vehicles24 | - | €661 | €220 | - | €5,364 | - |
| Current assets29/58 | €9,694 | €22,654 | €20,725 | €14,486 | €8,030 | ▼ 44.6% |
| Amounts receivable within one year40/41 | €3,337 | - | €16,546 | €11,196 | - | - |
| Trade receivables40 | - | - | €8,712 | €9,378 | - | - |
| Other amounts receivable41 | - | - | €7,834 | €1,819 | - | - |
| Cash at bank and in hand54/58 | €2,625 | €8,528 | - | - | €4,790 | - |
| Deferred charges and accrued income490/1 | - | €14,126 | €4,180 | €3,290 | €3,239 | ▼ 1.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 3.4% |
| Equity10/15 | €578,168 | €617,366 | €621,469 | €642,359 | €674,211 | ▲ 5.0% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €503,412 | €504,053 | €489,806 | €475,560 | €461,313 | ▼ 3.0% |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | - | €393,822 | €379,576 | €365,329 | €351,083 | ▼ 3.9% |
| Distributable reserves133 | - | €104,030 | €104,030 | €104,030 | €104,030 | = |
| Profit (loss) carried forward14 | €12,756 | €51,313 | €69,663 | €104,800 | €150,898 | ▲ 44.0% |
| Provisions and deferred taxes16 | €165,157 | €131,274 | €126,525 | €121,776 | €117,028 | ▼ 3.9% |
| Deferred taxes168 | - | €131,274 | €126,525 | €121,776 | €117,028 | ▼ 3.9% |
| Amounts payable17/49 | €747,097 | €673,784 | €628,203 | €561,731 | €489,664 | ▼ 12.8% |
| Amounts payable after more than one year17 | €665,018 | €569,560 | €512,755 | €454,235 | €397,530 | ▼ 12.5% |
| Financial debts170/4 | - | €569,560 | €512,755 | €454,235 | €397,530 | ▼ 12.5% |
| Amounts payable within one year42/48 | €78,326 | €99,799 | €111,470 | €102,909 | €85,475 | ▼ 16.9% |
| Current portion of amounts payable after more than one year42 | - | €55,148 | €56,804 | €58,520 | €56,705 | ▼ 3.1% |
| Financial debts43 | - | - | €7,959 | €540 | - | - |
| Credit institutions430/8 | - | - | €7,959 | €540 | - | - |
| Trade debts44 | €4,887 | €1,193 | €626 | €192 | €1,317 | ▲ 587% |
| Suppliers440/4 | - | €1,193 | €626 | €192 | €1,317 | ▲ 587% |
| Taxes, remuneration and social security45 | - | €12,831 | €12,144 | €7,713 | €7,540 | ▼ 2.2% |
| Taxes450/3 | - | €10,434 | €9,683 | €5,213 | €7,540 | ▲ 44.6% |
| Remuneration and social security454/9 | - | €2,397 | €2,460 | €2,500 | - | - |
| Other amounts payable47/48 | - | €30,627 | €33,937 | €35,944 | €19,914 | ▼ 44.6% |
| Accrued charges and deferred income492/3 | - | €4,425 | €3,977 | €4,587 | €6,659 | ▲ 45.2% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,753 | €39,198 | €4,103 | €20,890 | €31,852 | ▲ 52.5% |
| + Depreciation and write-downs630 | €47,462 | €80,957 | €44,299 | €44,092 | €44,143 | ▲ 0.1% |
| Operating cash flow (approximation) | €52,215 | €120,155 | €48,402 | €64,982 | €75,995 | ▲ 16.9% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | -€5,636 | - |
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
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2023
09-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
31-03
Financial
Weakest financial yearnet €4,103 ▼89.5%
Net result drops to €4,103, the lowest in the series; recovery starts the following year.
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
31-03
Financial
Highest result since 2019net €39,198 ▲725%
Net result €39,198, the highest in the series.
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
29-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Deinze · 1 establishment unit since 1993
Ground area
1,794 m²
Building footprint
300 m²
Volume, LiDAR
1,793 m³
Parcel 44065A0242/00W000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Leernsesteenweg 262, 9800 Deinze
since 19932.063.905.325
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44065A0242/00W000 | Flanders | 1,794 m² | 1 · 300 m² | 10.9 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 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,368 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded25-05-1993
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450162152
Also
9925:BE0450162152
Registered
11-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.