Equity
-€23,858
Debts exceed assets in financial year 2025.
LUZ EDIFICIOS
Overview
Lifetime
2 annual accounts with figures on one time axispeak €10,279 (2025)
€10,279▲ €12,339
lowest -€17,569 (2024)
-€8,289▲ €9,280
peak -€15,569 (2024)
-€23,858▼ €8,289
€351,460▲ 34.3%
Board2 names since 2023
2 directorsRADERMECKER Laure Caroline Didier and 1 other
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from -€2,060 to €10,279Loss of €8,289Registered office moved to Mons 23-04Equity from -€15,569 to -€23,858Debts from €261,621 to €351,460Cash from €15,825 to €2,114
Key points
from the 2025 annual accountsLosses
-€25,858 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Turnover
≈ €78,000 estimated
The micro format states no turnover.
Debts
€351,460 107% of the balance sheet
Financial debts 58%Suppliers 4%Other 38%
Of this, €148,829 falls due within a year.
Investments
€17,600 1.6 × depreciation
Green is investment, beige is depreciation. Machinery stands 73.8% higher than in 2024.
Starting capital
€2,000 20 shares
2025 accounts filed 28 days after the deadline
Checked score
53
Fair
Financially stronger than 14% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.4%
01-2025: 2.4%● unchanged vs 12-2024
02-2025: 2.4%● unchanged vs 01-2025
03-2025: 2.9%▲ +0.5 percentage points vs 02-2025
04-2025: 3.0%▲ +0.1 percentage points vs 03-2025
05-2025: 8.7%▲ +5.7 percentage points vs 04-2025
06-2025: 8.7%● unchanged vs 05-2025
07-2025: 8.8%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 8.8%● unchanged vs 07-2025highest value
09-2025: 1.7%▼ -7.1 percentage points vs 08-2025
10-2025: 1.7%● unchanged vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 2.2%▲ +0.5 percentage points vs 03-2026
05-2026: 2.5%▲ +0.3 percentage points vs 04-2026
06-2026: 2.9%▲ +0.4 percentage points vs 05-2026
07-2026: 3.0%▲ +0.1 percentage points vs 06-2026
08-2026: 3.6%▲ +0.6 percentage points vs 07-2026
09-2026: 1.4%▼ -2.2 percentage points vs 08-2026lowest value
10-2026: 1.4%● unchanged vs 09-2026lowest value
11-2026: 1.4%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
1 change of registered office in 24 months
lowers risk
Size: total assets €327,602
No main activity registered
Figures for financial year 2025 (filed on 29-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 13% of them on solvency, 16% on liquidity, 20% on profitability and 9% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,555 companies had the same profile as LUZ EDIFICIOS has now. Each dot stands for 4 companies, two years later.
91.6%
were still trading
3.6%
stopped another way
4.6%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LUZ EDIFICIOS itself: 1.4% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,555 companies, not a prediction for LUZ EDIFICIOS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.61 (0.39 in 2024), below 1. Short-term debt is 45.4% and cash 0.6% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€23,858
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
28 days late
2024
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 2 accounts on average 27 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SLEIMAN Sélim Fouad Urbain 10 sharesdeed of 04-12-2023
- RADERMECKER Laure Caroline Didier 10 sharesdeed of 04-12-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002835884
Registered office moved to Mons
New registered office: Digue des Peupliers, 47 à 7000 Mons · Previous registered office: rue de Thirimont, 8 à Mons · General meeting of 27-03-2025 · Gazette deed
First establishment
Luz Edificios - LuzE, Digue des Peupliers 47, Mons
Incorporation
Founding capital of €2,000, 20 shares · Founders: SLEIMAN Sélim Fouad Urbain and RADERMECKER Laure Caroline Didier · Appointments: SLEIMAN Sélim Fouad Urbain (director) and RADERMECKER Laure Caroline Didier (director) · published on 04-12-2023 · Gazette deed
Official details
Source: KBO- Status
- Active since 30-11-2023Normal situation
- Activity
- “La gestion et le développement, dans son sens le plus large, d’un patrimoine immobilier…” (deed in French)From the articles, 7 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.354.200.6887000 Mons, since 30-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 23-09-2025
Annual accounts 2025
- €10,279
- €8,289▼ 52.8%
- -€23,858▼ 53.2%
- €327,602▲ 33.1%
- Filing
- Filed on 28-08-2026
Insights on LUZ EDIFICIOS
LUZ EDIFICIOS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€23,858) and a net result of -€8,289.
The computed 12-month bankruptcy probability is 1.4% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late€10,279
▲ €12,339
-€1,860
▲ €8,860
-€8,289
▲ €9,280
-€58,506
▼ €34,185
-7.3%
▼ 1.0 percentage points
0.61
▲ 0.21
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €78,000. Estimated: probably between €36,000 and €190,000.
Balance sheet
balance sheet total €327,602 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
327,602 | 246,052 | |
21/28 |
237,279 | 230,227 | |
22/27 |
237,279 | 230,227 | |
22 |
201,859 | 209,853 | |
23 |
35,420 | 20,375 | |
29/58 |
90,322 | 15,825 | |
40/41 |
88,200 | - | |
40 |
88,200 | - | |
54/58 |
2,114 | 15,825 | |
490/1 |
9 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
327,602 | 246,052 | |
10/15 |
-23,858 | -15,569 | |
10/11 |
2,000 | 2,000 | |
14 |
-25,858 | -17,569 | |
17/49 |
351,460 | 261,621 | |
17 |
202,631 | 219,468 | |
170/4 |
202,631 | 219,468 | |
42/48 |
148,829 | 40,147 | |
42 |
12,847 | 8,432 | |
44 |
15,612 | 84 | |
440/4 |
15,612 | 84 | |
47/48 |
120,370 | 31,631 | |
492/3 |
- | 2,007 | |
| Income statement | |||
9900 |
10,279 | -2,060 | |
630 |
11,160 | 8,660 | |
640/8 |
979 | - | |
9901 |
-1,860 | -10,720 | |
65/66B |
6,429 | 6,849 | |
65 |
6,429 | 6,849 | |
9903 |
-8,289 | -17,569 | |
9904 |
-8,289 | -17,569 | |
9905 |
-8,289 | -17,569 | |
| Appropriation of the result | |||
9906 |
-25,858 | -17,569 | |
14P |
-17,569 | - | |
| Document | |||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00445808.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 9,300 | -2,060 | ||
| 2,871 | -8,909 | ||
| 17,600 | 238,887 | ||
| -13,711 | - | ||
| -58,506 | -24,322 | ||
| -7.3% | -6.3% | ||
| 0.61 | 0.39 | ||
| -2.5% | -7.1% | ||
| 1.45 | -0.30 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €17,600 | €238,887 |
| €11,160 | €8,660 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on LUZ EDIFICIOS
The operating result for 2025 is a loss of €1,860, smaller than the loss of €10,720 in 2024.
Equity is negative. Debt (€351,460) exceeds the balance-sheet total (€327,602).
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 04-12-2023
term without a fixed end
also on the board of 1 other company
Director (not named in the articles)
appointed by deed of 04-12-2023
term without a fixed end
Mandates through the years
2 names, the dashed line is todayRADERMECKER Laure Caroline Didier
Director (not named in the articles)
Director (not named in the articles)
SLEIMAN Sélim Fouad Urbain
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- RADERMECKER Laure Caroline Didier
- Director (not named in the articles), appointed by deed of 04-12-2023, still in office
- SLEIMAN Sélim Fouad Urbain
- Director (not named in the articles), appointed by deed of 04-12-2023, still in office
Control
This company
LUZ EDIFICIOS
Equity -€23,858
Loss €8,289 in 2025
Capital
- Contribution
- €2,000
- Shares
- 20
- Contribution per share
- €100
- Equity per share
- -€1,193 in 2025
- Source
- deed of 04-12-2023
Articles of association
deed of 04-12-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 04-12-2023 ↗
- SLEIMAN Sélim Fouad Urbain 10 shares (50%) · €1,000
- RADERMECKER Laure Caroline Didier 10 shares (50%) · €1,000
Network & group
No group
LUZ EDIFICIOS has no parent and no holdings in its annual accounts.
At the same address
Digue des Peupliers 47, 7000 Mons · 3 other companies| CMecker
registered office since 19-12-2022 · founded in 2022 |
total assets €844,592 (2025) 0794.990.917 |
| DMecker
registered office since 13-07-2020 · founded in 2020 |
total assets €498,009 (2025) 0750.603.420 |
| EVX HOLDING
registered office since 26-04-2026 |
founded in 2026 1037.310.476 |
Earlier ties
| DMecker via RADERMECKER Laure Caroline Didier, no longer at DMecker · Director (not named in the articles) · deed of 15-07-2020 founded in 2020 |
total assets €498,009 (2025) |
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
CMecker
via RADERMECKER Laure Caroline Didier · Director (not named in the articles) · deed of 21-12-2022
Founded in 2022 · total assets €844,592 (2025)
→
Timeline
Timeline
6 events since 2023Filings
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 28 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1002835884
Annual accounts 2024 filed PDFmicro format · 26 days late
Registered office moved to MonsNew registered office: Digue des Peupliers, 47 à 7000 Mons · Previous registered office: rue de Thirimont, 8 à Mons · General meeting of 27-03-20252 points ▸
- General meeting, 27-03-2025
- Registered-office move, Digue des Peupliers, 47 à 7000 Mons
2024
First establishment Luz Edificios - LuzE, Digue des Peupliers 47, Mons
2023
IncorporationFounding capital of €2,000, 20 shares · Founders: SLEIMAN Sélim Fouad Urbain and RADERMECKER Laure Caroline Didier · Appointments: SLEIMAN Sélim Fouad Urbain (director) and RADERMECKER Laure Caroline Didier (director) · published on 04-12-20239 points ▸
- Founder, SLEIMAN Sélim Fouad Urbain (comparant)
- Founder, RADERMECKER Laure Caroline Didier (comparant)
- Founding capital, €2,000, 20 shares
- 20 shares
- Registered office clause, rue de Thirimont 8, 7000 Mons
- Board rule, 2
- Director appointment, SLEIMAN Sélim Fouad Urbain (director (not named in the articles))
- Director appointment, RADERMECKER Laure Caroline Didier (director (not named in the articles))
- Power of attorney, Mathieu Durant
- The deed holds 5 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1002.835.884
- VAT number
- BE 1002.835.884
- Peppol ID
- 0208:1002835884
- Other Peppol ID
- 9925:BE1002835884
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 30-11-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of Junedeed of 04-12-2023 (in French)
- Peppol
- Reachable since 23-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LUZ EDIFICIOS in French
- Abbreviation
- LuzE in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 04-12-2023 (in French)
Activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La gestion et le développement, dans son sens le plus large, d’un patrimoine immobilier et mobilier; Dans ce cadre et en s’abstenant de…”deed of 04-12-2023 (in French)
7 activities
- La gestion et le développement, dans son sens le plus large, d’un patrimoine immobilier et mobilier.
- Dans ce cadre et en s’abstenant de poser personnellement des actes à caractère commercial, valoriser ce patrimoine par des actes de gestion et même de disposition s’il échet, tels que : achat, vente, aménagements, location et leasing, prises de participations dans d’autres sociétés, dans l’élaboration de projets relatifs à la gestion de patrimoine en général.
- Soutenir d’autres sociétés dans leur développement par une aide à leur gestion et par la mise de capitaux à leur disposition, conférer ou accepter des garanties tant personnelles que réelles.
- Elle dispose, d’une manière générale, d’une pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement, entièrement ou partiellement, la réalisation de cet objet.
- Elle peut s'intéresser par voie d'association, d'apport, de fusion, d'intervention financière ou autrement dans toutes sociétés, associations ou entreprises dont l'objet est identique, analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés.
- Elle peut exercer les fonctions d’administrateur ou liquidateur dans d’autres sociétés.
- La société peut se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées, au sens le plus large.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Luz Edificios - LuzE registered office Digue des Peupliers 47, 7000 Mons 46180 Agents specialised in the wholesale of other particular products | 30-11-2024 | 2.354.200.688 |
Buildings and parcels at the address
- Ground area
- 630 m²
- Buildings
- 159 m²
- Volume, LiDAR
- 1,397 m³
- Tallest building
- 18.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 53053D0223/00V005 | 630 m² | 1 · 159 m² | 18.6 m · 2 |