MAC - INVER
ActiveMAC - INVER has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.00M and a net result of €27k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-2
Solvency62▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 3.91 in 2024; short-term debt: 47.4% and cash: 1.4% of total assets), but 63.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
36.8%
Return on assets
1%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
17 d early
2023
7 d early
2022
35 d early
2021
2 d early
2020
31 d late
2019
31 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€27k▲ 83.6%
2024 · €15k
2018: €-106k
2019: €8k
2020: €175k
2021: €13k
2022: €128k
2023: €-36k
2024: €15k
2018 → 2025
Working capital
€1.15M▲ 3.9%
2024 · €1.11M
2018: €904k
2019: €927k
2020: €1.13M
2021: €1.07M
2022: €1.13M
2023: €1.11M
2024: €1.11M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€869k-€997k▲ 14.7%€961k▼ 3.7%€975k▲ 1.5%€1.00M▲ 2.7%
Operating result€32k-€188k▲ 492%€-33k€32k€65k▲ 100%
Net result€13k-€128k▲ 890%€-36k€15k€27k▲ 83.6%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 100% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.72M
Fixed assets
€282k▼ 11.4%
Current assets
€2.44M▲ 63.9%
Equity and liabilities €2.72M
Equity
€1.00M▲ 2.7%
Debt
€1.72M▲ 107%
The debt ratio rises from 46.1% to 63.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€138k▲
2024 · €101k
Cash flow
€100k▲
2024 · €83k
Solvency
36.8%▼
2024 · 53.9%
Current ratio
1.89▼
2024 · 3.91
Quick ratio
1.01▼
2024 · 1.11
Debt / equity
1.72▲
2024 · 0.85
ROE
2.7%▲
2024 · 1.5%
ROA
1.0%▲
2024 · 0.8%
Interest coverage
1.94▼
2024 · 2.22
Debt
€1.72M▲
2024 · €833k
Debt ≤ 1 year
€1.29M▲
2024 · €381k
Debt > 1 year
€269k▼
2024 · €331k
Income taxes
€17k▲
2024 · €7k
Staff costs
€637k▼
2024 · €691k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.81M€2.72M▲
Fixed assets21/28€318k€282k▼
Intangible fixed assets21€1k€590▼
Tangible fixed assets22/27€317k€281k▼
Plant, machinery and equipment23€24k€20k▼
Furniture and vehicles24€34k€25k▼
Other tangible fixed assets26€259k€236k▼
Current assets29/58€1.49M€2.44M▲
Stocks and contracts in progress3€1.07M€1.14M▲
Stocks30/36€1.07M€1.14M▲
Amounts receivable within one year40/41€346k€1.19M▲
Trade receivables40€72k€84k▲
Other amounts receivable41€274k€1.11M▲
Cash at bank and in hand54/58€24k€37k▲
Deferred charges and accrued income490/1€52k€70k▲
Equity and liabilities
Total equity and liabilities10/49€1.81M€2.72M▲
Equity10/15€975k€1.00M▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€775k€802k▲
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Distributable reserves133€755k€782k▲
Amounts payable17/49€833k€1.72M▲
Amounts payable after more than one year17€331k€269k▼
Financial debts170/4€331k€269k▼
Amounts payable within one year42/48€381k€1.29M▲
Current portion of amounts payable after more than one year42€67k€51k▼
Financial debts43€94k€93k▼
Credit institutions430/8€94k€93k▼
Trade debts44€118k€129k▲
Suppliers440/4€118k€129k▲
Taxes, remuneration and social security45€100k€147k▲
Taxes450/3€28k€73k▲
Remuneration and social security454/9€72k€74k▲
Other amounts payable47/48€806€871k▲
Accrued charges and deferred income492/3€121k€162k▲
Income statement
Code20242025
Non-recurring operating income76A€372-
Remuneration, social security and pensions62€691k€637k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€73k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€796k€779k▼
Operating profit (loss)9901€32k€65k▲
Financial income75/76B€34k€50k▲
Recurring financial income75€34k€50k▲
Financial charges65/66B€45k€71k▲
Recurring financial charges65€45k€71k▲
Profit (loss) for the period before taxes9903€21k€44k▲
Income taxes67/77€7k€17k▲
Profit (loss) for the period9904€15k€27k▲
Profit (loss) for the period to be appropriated9905€15k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€27k▲
Transfer to equity691/2€15k€27k▲
To other reserves6921€15k€27k▲
Social balance
Average headcount (FTE)908715.913.5▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €1MEq €1.00M ▲2.7%
2 profitable years in a row build equity to €1.00M.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €175k ▲2226%
Operating result €211k, net result €175k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.28
Current ratio from 2.04 to 4.28; short-term debt falls from €888k to €345k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mol · 3 establishment units since 1998
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.
Berkebossenlaan 32400 MolGround area
1.3 ha
Building footprint
1.0 ha
Volume, LiDAR
20,617 m³
4 parcels, Flanders · tallest building 17.5 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
LUCAS CREATIV
since 19982.011.595.601
LUCAS CREATIV
since 20022.011.596.193
Lucas Creativ
since 20042.143.156.107
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0046/00C002 | Flanders | 8,410 m² | 1 · 6,957 m² | 16.8 m |
| 13025G0875/00X025 | Flanders | 2,994 m² | 1 · 1,750 m² | 8.9 m · 2 fl. |
| 36015A0855/00P000 | Flanders | 1,438 m² | 1 · 1,430 m² | 6.2 m · 2 fl. |
| 11423B0250/00Z000 | Flanders | 432 m² | 1 · 162 m² | 17.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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BOS
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DITEC
BE 0449.291.726
Turnhout · Eq €1.01M
POELERIE JACQUEMIN
BE 0538.678.711
Aywaille · Eq €990k
BOLLIEBOOM
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Tienen · Eq €1.01M
Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-11-1975
Fiscal year end31-12
Trade name
Lucas Creativ
Activities, NACEBEL
47789Other retail sale of new goods
52498
46499Wholesale of other household goods
51478
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.lucascreativ.be
Phone:036466492