Financials
- Fiscal year
- 2025
- Total assets
- €474,400
- Loss
- -€133,148
- Solvency
- 19.9%
Total assets▼ 0.9%
Net result
20182025
LUX-SEL
ActiveSummary
The annual accounts of LUX-SEL for fiscal year 2025 show a net loss of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €94,557 and a net result of -€133,148. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 5451 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Overview
What they do
Non-specialised wholesale trade
NACE 46900NACE 36111Wholesale trade NACE 46442
1 site
How big
€474,400total assets 2025
- Staff
- 1.8 FTE
- Equity
- €94,557
- Loss
- -€133,148
Who decides
- Parent
- BEMINA · 100%
Accounts 24 d early0 of 6 deeds read
Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €133,148 (FY 2025)- Equity €94,557 (19.9% of total assets)+ Figures for FY 2025 (filed 07-07-2026)+ Founded in 1990Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 18% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
45-28
equity 19.9% of total assets
Liquidity
27-23
short-term debt 66.2% · cash 9.9%
Profitability
0-45
return on assets -28.1%
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Loss of €133,148 (FY 2025) raises the probability
- Equity €94,557 (19.9% of total assets) raises the probability
- Figures for FY 2025 (filed 07-07-2026) lowers the probability
- Founded in 1990 lowers the probability for this profile
Credit up to €5,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.23 against 2.47 in 2024; short-term debt: 66.2% and cash: 9.9% of total assets), and 80.1% 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 (NACE 46, micro). Better than this share of them on solvency 31%, liquidity 25%, profitability 6%, growth against the median 8%. 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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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 5451 sector peers (2025).
NBB · sector comparisonPosition among 5451 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
6 d late
2023
34 d early
2022
63 d late
2021
31 d late
2020
50 d early
2019
12 d late
← 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 1 day after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 6 August (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Weakest financial yearnet -€133,148
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Board & ownership
- Parent
- BEMINA · 100%
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 07-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 06-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Non-specialised wholesale tradeNACE 46900
- Founded
- 10-05-1990
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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