LUX RENOV & CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of LUX RENOV & CONSTRUCT is 3.3% (moderate). The 2025 annual accounts show negative equity (-€5,430) and a net result of -€16,738. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 9% of 7625 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
Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency14▼-34
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 0.9 in 2024; short-term debt: 111% and cash: 26.4% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-11%
Return on assets
-34%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year -€5,430
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
19 d late
2022
28 d late
2021
18 d early
2020
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 20 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€5,430
2024 · €11,308
Total assets
€49,171▼ 1.0%
2024 · €49,687
Net result
-€16,738
2024 · €215
Working capital
-€15,370▼ 309%
2024 · -€3,755
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,671▼ 86.8%-€3,798€3,896€634▼ 83.7%-€15,845
Net result€1,453within the sector's middle half▼ 86.6%-€3,790below the sector's middle half€2,576within the sector's middle half€215within the sector's middle half▼ 91.7%-€16,738below the sector's middle half
Equity€12,307below the sector's middle half▲ 13.4%€8,517below the sector's middle half▼ 30.8%€11,093below the sector's middle half▲ 30.2%€11,308below the sector's middle half▲ 1.9%-€5,430below the sector's middle half
Total assets€32,400below the sector's middle half▼ 10.0%€37,056below the sector's middle half▲ 14.4%€78,664within the sector's middle half▲ 112%€49,687below the sector's middle half▼ 36.8%€49,171below the sector's middle half▼ 1.0%
Debt€20,092▼ 20.1%€28,539▲ 42.0%€67,571▲ 137%€38,379▼ 43.2%€54,601▲ 42.3%
Working capital-€1,316below the sector's middle half-€41below the sector's middle half▲ 96.9%-€4,309below the sector's middle half▼ 10,314%-€3,755below the sector's middle half▲ 12.9%-€15,370below the sector's middle half▼ 309%
Solvency38.0%within the sector's middle half▲ 7.8pp23.0%within the sector's middle half▼ 15.0pp14.1%below the sector's middle half▼ 8.9pp22.8%within the sector's middle half▲ 8.7pp-11.0%below the sector's middle half▼ 33.8pp
Current ratio0.93below the sector's middle half▼ 0.161.00below the sector's middle half▲ 0.060.94below the sector's middle half▼ 0.060.90below the sector's middle half▼ 0.030.72below the sector's middle half▼ 0.18
Return on assets (ROA)4.5%within the sector's middle half▼ 25.7pp-10.2%below the sector's middle half▼ 14.7pp3.3%within the sector's middle half▲ 13.5pp0.4%within the sector's middle half▼ 2.8pp-34.0%below the sector's middle half▼ 34.5pp
Staff (FTE)1.82▲ 11.1%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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
The operating result turns negative in 2025: a loss of €15,845 after €634 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49,171
Fixed assets
€9,940 ▼ 34.0%
Current assets
€39,230 ▲ 13.3%
Key figures and ratios
EBITDA
-€10,282▼
2024 · €7,549
Cash flow
-€11,175▼
2024 · €7,130
Quick ratio
0.53▼
2024 · 0.85
Debt to equity
-10.06▼
2024 · 3.39
Interest coverage
-11.76▼
2024 · 58.67
Debt ≤ 1 year
€54,601▲
2024 · €38,379
Income taxes
€19▼
2024 · €295
Staff costs
€94,197▲
2024 · €84,112
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,010 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €36,153 | €41,094 | €84,112 | €94,197 | ▲ 12.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,238 | €7,341 | €7,756 | €6,915 | €5,563 | ▼ 19.6% |
| Other operating charges640/8 | €664 | €364 | €1,014 | €1,759 | €1,374 | ▼ 21.9% |
| Gross operating margin9900 | €8,573 | €40,060 | €53,761 | €93,420 | €85,289 | ▼ 8.7% |
| Operating profit (loss)9901 | €1,671 | -€3,798 | €3,896 | €634 | -€15,845 | ▼ 2,599% |
| Financial income75/76B | - | €49 | €1 | €5 | - | - |
| Recurring financial income75 | - | €49 | €1 | €5 | - | - |
| Financial charges65/66B | €59 | €110 | €216 | €129 | €874 | ▲ 579% |
| Recurring financial charges65 | €59 | €110 | €216 | €129 | €874 | ▲ 579% |
| Profit (loss) for the period before taxes9903 | €1,612 | -€3,858 | €3,681 | €510 | -€16,719 | ▼ 3,376% |
| Income taxes67/77 | €159 | -€68 | €1,105 | €295 | €19 | ▼ 93.7% |
| Profit (loss) for the period9904 | €1,453 | -€3,790 | €2,576 | €215 | -€16,738 | ▼ 7,883% |
| Profit (loss) for the period to be appropriated9905 | €1,453 | -€3,790 | €2,576 | €215 | -€16,738 | ▼ 7,883% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,400 | €37,056 | €78,664 | €49,687 | €49,171 | ▼ 1.0% |
| Fixed assets21/28 | €13,624 | €8,558 | €15,402 | €15,063 | €9,940 | ▼ 34.0% |
| Tangible fixed assets22/27 | €13,624 | €8,558 | €15,402 | €15,063 | €9,940 | ▼ 34.0% |
| Plant, machinery and equipment23 | €2,876 | €2,676 | €1,254 | €5,942 | €4,550 | ▼ 23.4% |
| Furniture and vehicles24 | €10,748 | €5,882 | €14,148 | €9,121 | €5,390 | ▼ 40.9% |
| Current assets29/58 | €18,776 | €28,498 | €63,262 | €34,624 | €39,230 | ▲ 13.3% |
| Stocks and contracts in progress3 | - | €2,455 | €2,080 | €1,905 | €10,140 | ▲ 432% |
| Stocks30/36 | - | €2,455 | €2,080 | €1,905 | €10,140 | ▲ 432% |
| Amounts receivable within one year40/41 | €17,904 | €20,532 | €45,683 | €23,700 | €15,021 | ▼ 36.6% |
| Trade receivables40 | €15,900 | €17,825 | €41,257 | €23,600 | €9,963 | ▼ 57.8% |
| Other amounts receivable41 | €2,004 | €2,707 | €4,426 | €100 | €5,058 | ▲ 4,958% |
| Cash at bank and in hand54/58 | €490 | €2,391 | €11,785 | €5,032 | €13,004 | ▲ 158% |
| Deferred charges and accrued income490/1 | €382 | €3,120 | €3,714 | €3,987 | €1,065 | ▼ 73.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,400 | €37,056 | €78,664 | €49,687 | €49,171 | ▼ 1.0% |
| Equity10/15 | €12,307 | €8,517 | €11,093 | €11,308 | -€5,430 | ▼ 148% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Outside capital11 | €5,000 | €5,000 | €5,000 | - | - | - |
| Other1109/19 | €5,000 | €5,000 | €5,000 | - | - | - |
| Profit (loss) carried forward14 | €7,307 | €3,517 | €6,093 | €6,308 | -€10,430 | ▼ 265% |
| Amounts payable17/49 | €20,092 | €28,539 | €67,571 | €38,379 | €54,601 | ▲ 42.3% |
| Amounts payable within one year42/48 | €20,092 | €28,539 | €67,571 | €38,379 | €54,601 | ▲ 42.3% |
| Trade debts44 | €3,855 | €19,255 | €47,829 | €27,745 | €28,724 | ▲ 3.5% |
| Suppliers440/4 | €3,855 | €19,255 | €47,829 | €27,745 | €28,724 | ▲ 3.5% |
| Taxes, remuneration and social security45 | €445 | €791 | €3,355 | €4,266 | €7,564 | ▲ 77.3% |
| Taxes450/3 | €445 | - | €1,105 | €3,951 | - | - |
| Remuneration and social security454/9 | - | €791 | €2,250 | €315 | €7,564 | ▲ 2,300% |
| Other amounts payable47/48 | €15,792 | €8,493 | €16,387 | €6,368 | €18,312 | ▲ 188% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,453 | -€3,790 | €2,576 | €215 | -€16,738 | ▼ 7,883% |
| + Depreciation and write-downs630 | €6,238 | €7,341 | €7,756 | €6,915 | €5,563 | ▼ 19.6% |
| Operating cash flow (approximation) | €7,691 | €3,551 | €10,332 | €7,130 | -€11,175 | ▼ 257% |
| Investment in fixed assets (approximation) | - | -€2,276 | -€14,600 | -€6,577 | -€440 | ▲ 93.3% |
| Change in cash | - | €1,901 | €9,394 | -€6,753 | €7,972 | ▲ 218% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
18-06
State Gazette act
Registered office · Statutes amendmentRegistered-office move · Power of attorney5 facts ▸
State Gazette act
Registered office · Statutes amendment
Registered-office move · Power of attorney5 facts ▸
- General meeting, 08-06-2026
- Registered-office move, 6600 Bastogne, Place de la Bastognette 5
- Statutes amendment
- Power of attorney, Tijl DE TROYER
- Power of attorney
2025
31-12
Financial
Weakest financial yearnet -€16,738
Net result drops to -€16,738, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €2,576
Net result €2,576 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.An act published in both Dutch and French appears here once.
2 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 2 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 2. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bastogne · 1 establishment unit since 2020
Ground area
234 m²
Building footprint
141 m²
Parcel 82302B1621/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Place de la Bastognette 5, 6600 Bastogne
since 20202.299.135.273
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82302B1621/00D000 | Wallonia | 234 m² | 1 · 141 m² | - |
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.
Articles of association
Annual meeting
First Thursday of June at 12:00
Duration
Unlimited
Purpose
L’étude et la réalisation de tous travaux de construction,publics et privés,en qualité d’entrepreneur général ou en sous-traitance,la conception et la construction de tous…
Full purpose (7 activities)
- L’étude et la réalisation de tous travaux de construction,publics et privés,en qualité d’entrepreneur général ou en sous-traitance,la conception et la construction de tous bâtiments et édifices,l’étude et la réalisation de décorations tant intérieures qu’extérieures
- Toutes opérations se rapportant directement ou indirectement à l’entretien,la rénovation,les travaux de réparations,d’embellissements,de renouvellement et de modernisation,et la maintenance de tous les types d’ouvrages d’art,de biens immeubles,et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment
- La prestation de conseils et d’assistance tant au point de vue technique qu’administratif et commercial à toutes sociétés et entreprises,pour tout ce qui concerne le secteur des biens immobiliers
- L’acquisition de tous terrains,la construction de tous bâtiments publics et particuliers,l’achat,la vente,la location,la division et le lotissement de tous immeubles
- La prise en considération de tous travaux concernant la distribution de l’eau,du gaz,de l’électricité,etc.,l’établissement et l’exploitation de tous moyens de transport,ports,canaux,routes,etc.
- L’achat,la vente,la location,l’importation,l’exportation de tous matériaux,marchandises,appareils et outillages nécessaires aux travaux de construction,d’entretien,de maintenance,de réparation et de renouvellement des ouvrages d’art et bâtiments
- La préparation,la rédaction et la conclusion en tant que mandataire ou pour compte propre,de tous marchés de travaux publics ou privés ou de fourniture et faite toutes opérations se rattachant à ces objets
Name clause
LUX RENOV & CONSTRUCT
Legal form clause
Société à responsabilité limitée
Registered office clause
Région wallonne, simple décision
Dissolution rule
Délibérant comme en matière de modification des statuts, assemblée générale
Dissolution en tout temps, assemblée générale délibérant dans formes prévues pour modifications aux statuts
Other statement
Appels de fonds, à leur émission
Article 9. Indivisibilité des titres
Contrôle de la société, lorsque la loi l'exige et dans les limites qu'elle prévoit
Article 16. Admission à l’assemblée générale
Séances et procès-verbaux, membres du bureau et actionnaires présents qui le demandent
Tout actionnaire peut donner à toute autre personne,actionnaire ou non,par tout moyen de transmission,procuration écrite, délibérations assemblée générale
Trois semaines, organe d'administration
Répartition bénéfices et réserves, assemblée générale sur proposition organe d'administration
Paiement dividendes et acomptes, article 5:141 CSA,limites art. 5:142 et 5:143
Siège où communications,sommations,assignations,significations valablement faites, élection de domicile
Tribunaux du siège,compétence exclusive, compétence judiciaire
Droit commun, clauses contraires aux dispositions impératives CSA censées non écrites
Share issue rule
Apport en numéraire avec émission de nouvelles actions, ouverture de la souscription
Share class
Nominatives, titulaires peuvent prendre connaissance pour leurs titres
Transfer restriction
Article 10. Cession d’actions
Board rule
Liquidation rule
Dissolution pour quelque cause et à quelque moment, désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments
Liquidation distribution
Biens conservés remis pour être partagés même proportion, actif net réparti entre tous actionnaires en proportion de leurs actions
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Capital over the years
- 18-06-2026 Capital stated in the act · 100 shares
Similar companies · same sector, comparable size
BK RENT
BE 0793.942.426
Zaventem · Eq €11,304
AB-SERVICES BOUWWERKEN
BE 0772.322.512
Halle · Eq €11,316
M.C. BUILDING CONSTRUCTIONS
BE 0682.798.638
Heusden-Zolder · Eq €11,299
CHRYSALIDE-GROUP
BE 1020.426.538
Sint-Genesius-Rode · Eq €11,318
Konstructief Bouw
BE 0697.595.096
Zonhoven · Eq €11,296
Of 29,766 companies in sector 41001 we hold annual accounts for 16,055. 9,740 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
Founded04-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0742890237
Also
9925:BE0742890237
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.