LuYo
ActiveSummary
The computed 12-month bankruptcy probability of LuYo is 1.6% (moderate). The 2025 annual accounts show equity of €3.4m and a net result of €101,239. Equity is growing by ~2.8% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability72=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €240,000 at 30 days acceptable
Liquidity ample (current ratio 9.68 against 9.74 in 2024; short-term debt: 2% and cash: 8% of total assets), and 4.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
95.2%
Return on assets
2.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
27 d late
2024
47 d early
2023
99 d early
2022
68 d early
2021
28 d early
2020
44 d early
2019
100 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 51 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 14 June (4 of the last 5 filed years within 51 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€3.4m▲ 3.0%
2024 · €3.3m
Total assets
€3.6m▲ 2.2%
2024 · €3.5m
Net result
€101,239▲ 9.4%
2024 · €92,550
Working capital
€628,815▲ 28.3%
2024 · €490,024
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€106,155▲ 136%€122,145▲ 15.1%€129,568▲ 6.1%€134,263▲ 3.6%€145,606▲ 8.4%
Net result€74,763▲ 131%€86,709▲ 16.0%€84,808▼ 2.2%€92,550▲ 9.1%€101,239▲ 9.4%
Equity€3.1m▲ 2.5%€3.2m▲ 2.8%€3.2m▲ 2.7%€3.3m▲ 2.8%€3.4m▲ 3.0%
Total assets€3.4m▲ 1.6%€3.4m▲ 0.8%€3.5m▲ 2.4%€3.5m▲ 0.9%€3.6m▲ 2.2%
Debt€317,619▼ 6.5%€259,240▼ 18.4%€257,621▼ 0.6%€195,389▼ 24.2%€173,143▼ 11.4%
Working capital€128,487▲ 698%€239,426▲ 86.3%€359,370▲ 50.1%€490,024▲ 36.4%€628,815▲ 28.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.6m
Fixed assets
€2.9m ▼ 2.5%
Current assets
€701,249 ▲ 28.4%
Equity and liabilities €3.6m
Equity
€3.4m ▲ 3.0%
Debt
€173,143 ▼ 11.4%
Debt's share of the balance-sheet total falls from 5.5% to 4.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€221,799▲
2024 · €210,457
Cash flow
€177,433▲
2024 · €168,743
Current ratio
9.68▼
2024 · 9.74
Debt to equity
0.05▼
2024 · 0.06
ROE
2.9%▲
2024 · 2.8%
ROA
2.8%▲
2024 · 2.6%
Interest coverage
97.39▲
2024 · 68.46
Debt ≤ 1 year
€72,434▲
2024 · €56,038
Debt > 1 year
€86,663▼
2024 · €125,734
Income taxes
€47,263▲
2024 · €42,675
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,640 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 95% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
3.6%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 1,640 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €75,305 | €75,394 | €75,789 | €76,193 | €76,193 | = |
| Other operating charges640/8 | €1,136 | €10,653 | €11,942 | €12,237 | €12,618 | ▲ 3.1% |
| Gross operating margin9900 | €182,596 | €208,191 | €217,299 | €222,694 | €234,417 | ▲ 5.3% |
| Operating profit (loss)9901 | €106,155 | €122,145 | €129,568 | €134,263 | €145,606 | ▲ 8.4% |
| Financial income75/76B | €612 | €1,016 | €1,312 | €4,036 | €5,174 | ▲ 28.2% |
| Recurring financial income75 | €612 | €1,016 | €1,312 | €4,036 | €5,174 | ▲ 28.2% |
| Financial charges65/66B | €4,574 | €3,647 | €3,648 | €3,074 | €2,278 | ▼ 25.9% |
| Recurring financial charges65 | €4,574 | €3,647 | €3,648 | €3,074 | €2,278 | ▼ 25.9% |
| Profit (loss) for the period before taxes9903 | €102,193 | €119,513 | €127,232 | €135,225 | €148,503 | ▲ 9.8% |
| Income taxes67/77 | €27,430 | €32,804 | €42,425 | €42,675 | €47,263 | ▲ 10.8% |
| Profit (loss) for the period9904 | €74,763 | €86,709 | €84,808 | €92,550 | €101,239 | ▲ 9.4% |
| Profit (loss) for the period to be appropriated9905 | €74,763 | €86,709 | €84,808 | €92,550 | €101,239 | ▲ 9.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.4m | €3.4m | €3.5m | €3.5m | €3.6m | ▲ 2.2% |
| Fixed assets21/28 | €3.2m | €3.1m | €3.1m | €3.0m | €2.9m | ▼ 2.5% |
| Tangible fixed assets22/27 | €3.2m | €3.1m | €3.1m | €3.0m | €2.9m | ▼ 2.5% |
| Land and buildings22 | €3.2m | €3.1m | €3.1m | €3.0m | €2.9m | ▼ 2.5% |
| Plant, machinery and equipment23 | - | - | €1,287 | €846 | €404 | ▼ 52.2% |
| Current assets29/58 | €192,928 | €281,898 | €439,551 | €546,062 | €701,249 | ▲ 28.4% |
| Amounts receivable within one year40/41 | €29,548 | €24,563 | €46,109 | €31,841 | €26,602 | ▼ 16.5% |
| Trade receivables40 | - | - | - | - | €1,298 | - |
| Other amounts receivable41 | €29,548 | €24,563 | €46,109 | €31,841 | €25,305 | ▼ 20.5% |
| Current investments50/53 | - | - | €250,067 | €262,559 | €385,506 | ▲ 46.8% |
| Cash at bank and in hand54/58 | €162,272 | €256,069 | €141,978 | €250,207 | €289,014 | ▲ 15.5% |
| Deferred charges and accrued income490/1 | €1,108 | €1,266 | €1,396 | €1,455 | €126 | ▼ 91.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.4m | €3.4m | €3.5m | €3.5m | €3.6m | ▲ 2.2% |
| Equity10/15 | €3.1m | €3.2m | €3.2m | €3.3m | €3.4m | ▲ 3.0% |
| Contributions10/11 | €3.0m | €3.0m | €3.0m | €3.0m | €3.0m | = |
| Reserves13 | €89,266 | €175,975 | €260,782 | €353,333 | €454,572 | ▲ 28.7% |
| Distributable reserves133 | €89,266 | €175,975 | €260,782 | €353,333 | €454,572 | ▲ 28.7% |
| Amounts payable17/49 | €317,619 | €259,240 | €257,621 | €195,389 | €173,143 | ▼ 11.4% |
| Amounts payable after more than one year17 | €239,540 | €202,164 | €164,232 | €125,734 | €86,663 | ▼ 31.1% |
| Financial debts170/4 | €239,540 | €202,164 | €164,232 | €125,734 | €86,663 | ▼ 31.1% |
| Amounts payable within one year42/48 | €64,441 | €42,472 | €80,181 | €56,038 | €72,434 | ▲ 29.3% |
| Current portion of amounts payable after more than one year42 | €36,827 | €37,046 | €37,641 | €38,498 | €39,071 | ▲ 1.5% |
| Trade debts44 | €183 | €129 | €116 | €178 | - | - |
| Suppliers440/4 | €183 | €129 | €116 | €178 | - | - |
| Taxes, remuneration and social security45 | €27,430 | €5,297 | €42,425 | €17,363 | €33,362 | ▲ 92.2% |
| Taxes450/3 | €27,430 | €5,297 | €42,425 | €17,363 | €33,362 | ▲ 92.2% |
| Accrued charges and deferred income492/3 | €13,638 | €14,604 | €13,208 | €13,616 | €14,046 | ▲ 3.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €74,763 | €86,709 | €84,808 | €92,550 | €101,239 | ▲ 9.4% |
| + Depreciation and write-downs630 | €75,305 | €75,394 | €75,789 | €76,193 | €76,193 | = |
| Operating cash flow (approximation) | €150,067 | €162,103 | €160,597 | €168,743 | €177,433 | ▲ 5.1% |
| Investment in fixed assets (approximation) | - | -€14,754 | -€1,325 | €0 | €0 | - |
| Change in cash | - | €93,796 | -€114,090 | €108,228 | €38,807 | ▼ 64.1% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2019net €101,239 ▲9.4%
Operating result €145,606, net result €101,239, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 6.64
Current ratio from 2.99 to 6.64; short-term debt falls from €64,441 to €42,472.
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.99
Current ratio from 1.33 to 2.99.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €32,350
Net result €32,350 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.33
Current ratio from 0.40 to 1.33.
31-12
Financial
Equity above €2mEq €3.0m ▲398,758%
Equity rises from €753 to €3.0m.
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Sint-Niklaas · 1 establishment unit since 2019
Ground area
4,554 m²
Building footprint
396 m²
Volume, LiDAR
1,151 m³
Parcel 46446F0400/00B000, Flanders · tallest building 5.0 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LuYo
since 20192.284.892.804
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446F0400/00B000 | Flanders | 4,554 m² | 1 · 396 m² | 5.0 m · 1 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.
Identification & contact
Identification
Legal formPrivate limited company
Founded24-01-2019
Fiscal year end31-12
Contact
E-mail
v.buynder@telenet.beSint-Niklaas
Phone
0475406167Sint-Niklaas
E-invoicing
Reachable via Peppol
Peppol ID
0208:0719363975
Also
9925:BE0719363975
Registered
03-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.