Checked.be
Active
BE 0458.386.564Public limited company
LUX MOTO
Aachener Strasse 67A ·4780 Sankt Vith, Belgium· 30 yrs active
Sector: Retail sale of motorcycles and motorcycle parts and accessories
(47830)
Conclusion
LUX MOTO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219k and a net result of €17k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 9900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €219k |
| Net result | €17k |
| Staff (FTE) | 3.4 |
| Better than sector | 65% |
Financial profile
73
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
84
Profitability
38
Solvency
92
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1996, 30 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
84
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€18k
estimate, not credit advice
Score history
81
2021
69
2022
81
2023
81
2024
84
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.84 (≥ 1.5)
+10
Quick ratio
Quick ratio 0.35 (< 0.6)
-5
Leverage
Debt/equity 0.93 (< 1.0)
+10
Profitability
ROE 8%
+3
Interest coverage
Interest coverage 15.6× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 13-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~4.8%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 51.9% | 37.6% | |
| Net result | €17k | €31k | |
| Equity | €219k | €261k | |
| Gross operating margin | €173k | €227k | |
| Staff costs | €123k | €159k |
€44k
+149.7%
21-25
€17k
+391.8%
21-25
€39k
+162.5%
21-25
€422k
+15.4%
21-25
€219k
+8.2%
21-25
€153k
-14.4%
21-25
3
+25.9%
21-25
€123k
+8.9%
21-25
€2k
+106.3%
21-25
€203k
+24.2%
21-25
€181k
+11.0%
21-25
€22k
+187.8%
21-25
1.84
-12.0%
21-25
0.35
-48.2%
21-25
51.9%
-6.2%
21-25
0.93
+14.8%
21-25
7.6%
+354.3%
21-25
4.0%
+326.2%
21-25
15.58
+49.9%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | full schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €44k | €18k | €26k | €33k | €30k |
| Net profit | €17k | €3k | €8k | €14k | €17k |
| Cash flow | €39k | €15k | €22k | €27k | €26k |
| Staff costs | €123k | €113k | €101k | €55k | €76k |
| Income taxes | €2k | €1k | €2k | €4k | €3k |
| Dividends | - | - | - | - | - |
| Total assets | €422k | €366k | €307k | €405k | €311k |
| Equity | €219k | €202k | €199k | €190k | €177k |
| Debt | €203k | €163k | €108k | €215k | €135k |
| of which ≤ 1y | €181k | €163k | €100k | €203k | €114k |
| of which > 1y | €22k | - | €8k | €12k | €21k |
| Working capital | €153k | €178k | €171k | €174k | €159k |
| Employees (FTE) | 3.4 | 2.7 | 2.4 | 1.8 | 2.0 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.84 | 2.09 | 2.70 | 1.86 | 2.40 |
| Quick ratio | 0.35 | 0.67 | 0.64 | 0.59 | 0.88 |
| Working capital ratio | 36.2% | 48.8% | 55.7% | 43.0% | 51.2% |
| Solvency | 51.9% | 55.3% | 64.8% | 47.0% | 56.7% |
| Debt / equity | 0.93 | 0.81 | 0.54 | 1.13 | 0.76 |
| Long-term debt ratio | 0.10 | - | 0.04 | 0.06 | 0.12 |
| Interest coverage | 15.58 | 10.40 | 12.81 | 16.87 | 18.21 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 4.0% | 0.9% | 2.8% | 3.4% | 5.5% |
| ROE | 7.6% | 1.7% | 4.3% | 7.3% | 9.6% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €422k | €366k | €307k | €405k | €311k |
| Fixed assets | 21/28 | €88k | €24k | €36k | €28k | €38k |
| Tangible fixed assets | 22/27 | €88k | €24k | €36k | €28k | €38k |
| Current assets | 29/58 | €334k | €342k | €271k | €377k | €273k |
| Stocks & contracts in progress | 3 | €271k | €232k | €207k | €257k | €173k |
| Amounts receivable within one year | 40/41 | €45k | €97k | €57k | €57k | €31k |
| Cash & bank | 54/58 | €16k | €11k | €6k | €61k | €67k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €422k | €366k | €307k | €405k | €311k |
| Equity | 10/15 | €219k | €202k | €199k | €190k | €177k |
| Contributions / capital | 10/11 | €62k | €62k | €62k | €62k | €62k |
| Reserves | 13 | €5k | €5k | €5k | €5k | €5k |
| Accumulated profits (losses) | 14 | €152k | €136k | €132k | €124k | €110k |
| Amounts payable | 17/49 | €203k | €163k | €108k | €215k | €135k |
| Amounts payable after one year | 17 | €22k | - | €8k | €12k | €21k |
| Amounts payable within one year | 42/48 | €181k | €163k | €100k | €203k | €114k |
| Trade debts payable within one year | 44 | €153k | €115k | €57k | €181k | €94k |
| Income statement | ||||||
| Gross operating margin | 9900 | €173k | €134k | €131k | €92k | €112k |
| Operating result | 9901 | €22k | €6k | €12k | €20k | €22k |
| Financial income | 75 | €55 | €8 | €8 | €32 | €26 |
| Financial charges | 65 | €3k | €2k | €2k | €2k | €2k |
| Result before taxes | 9903 | €19k | €4k | €10k | €18k | €20k |
| Income taxes | 67/77 | €2k | €1k | €2k | €4k | €3k |
| Net result for the period | 9904 | €17k | €3k | €8k | €14k | €17k |
| Result to be appropriated | 9905 | €17k | €3k | €8k | €14k | €17k |
Legal Structure
| NACE primary | Retail sale of motorcycles and motorcycle parts and accessories(47830) |
| Legal form | Public limited company(014) |
| Incorporation | 19-07-1996 |
| Status | Active |
| Postal code | 4780 |
Establishment units
Aachener Strasse 67 A, 4780 Sankt Vith
since 19962.077.538.377
Updates
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼59.9%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €202k ▲1.7%
4 profitable years in a row build equity to €202k.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
General maintenance and repair of cars and light vans (up to 3.5 tonnes)9531145402Retail sale of motorcycles and motorcycle parts and accessories478305010350200Retail sale of cars and light vans (up to 3.5 tonnes)47811Retail sale of motor vehicle parts and accessories4782050302
Names & trade names
| Legal nameDE | LUX MOTO |
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