Skip to content

Luxarel

Active Risk: not assessed
Private limited companyfounded 20242 yrs activeSterpenich, rue de Grass 101, 6700 Arlon, BelgiumKBO/BCE: BE 1012.798.972
Summary

Luxarel 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 €20,426 and a net result of €14,503. Its solvency ranks better than 9% of 5587 sector peers (fiscal year 2025). The company has been active since 2024 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.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
8 d early
2024
7 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 1 day before 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 26 August 2024, Luxarel was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Equity
€20,426▲ 245%
2024 · €5,924
Net result
€14,503
2024 · -€2,576
Total assets
€374,890▼ 3.8%
2024 · €389,743
Solvency
5.4%▲ 3.9pp
2024 · 1.5%
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
Line20242025
Operating result€3,556-€26,858▲ 655%
Net result-€2,576below the sector's middle half-€14,503within the sector's middle half
Equity€5,924below the sector's middle half-€20,426below the sector's middle half▲ 245%
Total assets€389,743below the sector's middle half-€374,890below the sector's middle half▼ 3.8%
Debt€383,819-€354,464▼ 7.6%
Working capital-€178,024within the sector's middle half--€192,699within the sector's middle half▼ 8.2%
Solvency1.5%below the sector's middle half-5.4%below the sector's middle half▲ 3.9pp
Current ratio0.10below the sector's middle half-0.03below the sector's middle half▼ 0.07
Return on assets (ROA)-0.7%below the sector's middle half-3.9%within the sector's middle half▲ 4.5pp
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 abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000€30,000Operating result 2024: €3,556€3,556Net result 2024: -€2,576-€2,576Operating result 2025: €26,858€26,858Net result 2025: €14,503€14,50320242025-€10,000€0€10,000€20,000€30,000Operating result 2024: €3,556€3,560Net result 2024: -€2,576-€2,580Operating result 2025: €26,858€26,900Net result 2025: €14,503€14,50020242025
The operating result rises in 2025; 2025 is 655% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374,890
Fixed assets €369,668 =
Current assets €5,223 ▼ 74.0%
Equity and liabilities €374,890
Equity €20,426 ▲ 245%
Debt €354,464 ▼ 7.6%
Debt's share of the balance-sheet total falls from 98.5% to 94.6%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
71.0%▲
2024 · -43.5%
Debt ≤ 1 year
€197,921▼
2024 · €198,099
Debt > 1 year
€155,893▼
2024 · €184,974
Income taxes
€3,994▲
2024 · €360
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€389,743€374,890▼
Fixed assets21/28€369,668€369,668=
Financial fixed assets28€369,668€369,668=
Current assets29/58€20,075€5,223▼
Amounts receivable within one year40/41€10,285€456▼
Trade receivables40€10,285€456▼
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€9,790€4,767▼
Equity and liabilities
Total equity and liabilities10/49€389,743€374,890▼
Equity10/15€5,924€20,426▲
Contributions10/11€8,500€8,500=
Profit (loss) carried forward14-€2,576€11,926▲
Amounts payable17/49€383,819€354,464▼
Amounts payable after more than one year17€184,974€155,893▼
Financial debts170/4€184,974€155,893▼
Amounts payable within one year42/48€198,099€197,921▼
Current portion of amounts payable after more than one year42€30,171€31,450▲
Trade debts44€1,524€765▼
Suppliers440/4€1,524€765▼
Taxes, remuneration and social security45€14,964€18,059▲
Taxes450/3€11,184€14,276▲
Remuneration and social security454/9€3,781€3,783▲
Other amounts payable47/48€151,440€147,647▼
Accrued charges and deferred income492/3€746€649▼
Income statement Code20242025
Other operating charges640/8-€793
Gross operating margin9900€3,556€27,651▲
Operating profit (loss)9901€3,556€26,858▲
Financial charges65/66B€5,773€8,361▲
Recurring financial charges65€5,773€8,361▲
Profit (loss) for the period before taxes9903-€2,217€18,496▲
Income taxes67/77€360€3,994▲
Profit (loss) for the period9904-€2,576€14,503▲
Profit (loss) for the period to be appropriated9905-€2,576€14,503▲
Appropriation of the result
Profit (loss) to be appropriated9906-€2,576€11,926▲
Profit (loss) brought forward from the previous period14P--€2,576

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Other operating charges640/8-€793-
Gross operating margin9900€3,556€27,651▲ 678%
Operating profit (loss)9901€3,556€26,858▲ 655%
Financial charges65/66B€5,773€8,361▲ 44.8%
Recurring financial charges65€5,773€8,361▲ 44.8%
Profit (loss) for the period before taxes9903-€2,217€18,496▲ 934%
Income taxes67/77€360€3,994▲ 1,010%
Profit (loss) for the period9904-€2,576€14,503▲ 663%
Profit (loss) for the period to be appropriated9905-€2,576€14,503▲ 663%
Line20242025Change
Assets
Total assets20/58€389,743€374,890▼ 3.8%
Fixed assets21/28€369,668€369,668=
Financial fixed assets28€369,668€369,668=
Current assets29/58€20,075€5,223▼ 74.0%
Amounts receivable within one year40/41€10,285€456▼ 95.6%
Trade receivables40€10,285€456▼ 95.6%
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€9,790€4,767▼ 51.3%
Equity and liabilities
Total equity and liabilities10/49€389,743€374,890▼ 3.8%
Equity10/15€5,924€20,426▲ 245%
Contributions10/11€8,500€8,500=
Profit (loss) carried forward14-€2,576€11,926▲ 563%
Amounts payable17/49€383,819€354,464▼ 7.6%
Amounts payable after more than one year17€184,974€155,893▼ 15.7%
Financial debts170/4€184,974€155,893▼ 15.7%
Amounts payable within one year42/48€198,099€197,921▼ 0.1%
Current portion of amounts payable after more than one year42€30,171€31,450▲ 4.2%
Trade debts44€1,524€765▼ 49.8%
Suppliers440/4€1,524€765▼ 49.8%
Taxes, remuneration and social security45€14,964€18,059▲ 20.7%
Taxes450/3€11,184€14,276▲ 27.7%
Remuneration and social security454/9€3,781€3,783▲ 0.1%
Other amounts payable47/48€151,440€147,647▼ 2.5%
Accrued charges and deferred income492/3€746€649▼ 12.9%
Line20242025Change
Profit (loss) for the period9904-€2,576€14,503▲ 663%
Operating cash flow (approximation)-€2,576€14,503▲ 663%
Investment in fixed assets (approximation)-€0-
Change in cash--€5,023-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
23-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Back to profitnet €14,503
Net result €14,503 after one loss-making year.
07-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It 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
1 act for this company is 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, Arlon · 1 establishment unit since 2024
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Sterpenich, rue de Grass 1016700 Arlon
1 establishment unit
Luxarel
Sterpenich, rue de Grass 101, 6700 ArlonHoldings
since 20242.363.731.335

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2024 list no shareholders, and no other source names one.

Holdings 1

According to the 2024 annual accounts of Luxarel and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 7,461 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
Founded26-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:1012798972
Registered 25-11-2025

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.