MAT LUC CONSTRUCT
Open bankruptcyA bankruptcy procedure is open for MAT LUC CONSTRUCT according to publications in the Belgian State Gazette; curator: HEIDI DE CAUWER.
Summary
The 2024 annual accounts show equity of €51,506 and a net result of €20,206.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Ghent, Ghent division
- Declared bankrupt
- 23 September 2025
- Supervising judge
- Toon Sorgeloos
- Official Gazette
- 30-09-2025 (pdf) ↗search the document for 2025/139020
Curator
- Heidi De CauwerHouten Schoen 14, 9100 Sint- Niklaasheidi.decauwer@gmail.com
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.
File a claim in RegSol ↗
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Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help. Full guide for creditors
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 03-02-2025, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not filed
2024
3 d late
2023
2 d early
2022
22 d late
2021
26 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 12 days after the deadline, and 56% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Address check Are there other customers at risk in your own list?Debtor check How is the Other postal and courier activities sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€51,506▲ 31.1%
2023 · €39,300
Total assets
€81,187▼ 5.0%
2023 · €85,431
Net result
€20,206▲ 141%
2023 · €8,395
Working capital
€51,506▲ 31.2%
2023 · €39,261
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
Line2021202220232024
Operating result€41,126-€17,819▼ 56.7%€10,892▼ 38.9%€25,726▲ 136%
Net result€35,648-€11,257▼ 68.4%€8,395▼ 25.4%€20,206▲ 141%
Equity€25,148-€36,405▲ 44.8%€39,300▲ 8.0%€51,506▲ 31.1%
Total assets€50,000-€96,545▲ 93.1%€85,431▼ 11.5%€81,187▼ 5.0%
Debt€24,852-€60,140▲ 142%€46,131▼ 23.3%€29,681▼ 35.7%
Working capital€13,522-€34,867▲ 158%€39,261▲ 12.6%€51,506▲ 31.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 136% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €81,187
Equity
€51,506 ▲ 31.1%
Debt
€29,681 ▼ 35.7%
Debt's share of the balance-sheet total falls from 54.0% to 36.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25,765▲
2023 · €12,391
Cash flow
€20,245▲
2023 · €9,894
Current ratio
2.74▲
2023 · 1.85
Debt to equity
0.58▼
2023 · 1.17
ROE
39.2%▲
2023 · 21.4%
ROA
24.9%▲
2023 · 9.8%
Interest coverage
10.23▲
2023 · 4.88
Debt ≤ 1 year
€29,681▼
2023 · €46,131
Income taxes
€5,147▲
2023 · €2,201
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,999 | €1,541 | €1,499 | €39 | ▼ 97.4% |
| Other operating charges640/8 | - | €5,611 | €1,188 | €45 | ▼ 96.2% |
| Gross operating margin9900 | €47,333 | €24,971 | €13,579 | €25,810 | ▲ 90.1% |
| Operating profit (loss)9901 | €41,126 | €17,819 | €10,892 | €25,726 | ▲ 136% |
| Financial income75/76B | - | €1,488 | €2,240 | €2,145 | ▼ 4.3% |
| Recurring financial income75 | €1,022 | €1,488 | €2,240 | €2,145 | ▼ 4.3% |
| Financial charges65/66B | - | €1,278 | €2,537 | €2,518 | ▼ 0.7% |
| Recurring financial charges65 | €16 | €1,278 | €2,537 | €2,518 | ▼ 0.7% |
| Profit (loss) for the period before taxes9903 | €42,132 | €18,029 | €10,596 | €25,353 | ▲ 139% |
| Income taxes67/77 | €6,485 | €6,772 | €2,201 | €5,147 | ▲ 134% |
| Profit (loss) for the period9904 | €35,648 | €11,257 | €8,395 | €20,206 | ▲ 141% |
| Profit (loss) for the period to be appropriated9905 | €35,648 | €11,257 | €8,395 | €20,206 | ▲ 141% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €50,000 | €96,545 | €85,431 | €81,187 | ▼ 5.0% |
| Fixed assets21/28 | €11,625 | €1,537 | €39 | - | - |
| Tangible fixed assets22/27 | €11,625 | €1,537 | €39 | - | - |
| Furniture and vehicles24 | - | €1,537 | €39 | - | - |
| Current assets29/58 | €38,375 | €95,007 | €85,392 | €81,187 | ▼ 4.9% |
| Amounts receivable within one year40/41 | €31,987 | €94,233 | €85,360 | €78,649 | ▼ 7.9% |
| Trade receivables40 | - | €65,063 | €49,089 | €32,365 | ▼ 34.1% |
| Other amounts receivable41 | - | €29,170 | €36,271 | €46,285 | ▲ 27.6% |
| Cash at bank and in hand54/58 | €6,388 | - | - | €2,538 | - |
| Deferred charges and accrued income490/1 | - | €774 | €32 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €50,000 | €96,545 | €85,431 | €81,187 | ▼ 5.0% |
| Equity10/15 | €25,148 | €36,405 | €39,300 | €51,506 | ▲ 31.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €300 | €300 | €300 | €300 | = |
| Non-distributable reserves130/1 | - | €300 | €300 | €300 | = |
| Reserves not available under the articles1311 | - | €300 | €300 | €300 | = |
| Profit (loss) carried forward14 | €21,848 | €33,105 | €36,000 | €48,206 | ▲ 33.9% |
| Amounts payable17/49 | €24,852 | €60,140 | €46,131 | €29,681 | ▼ 35.7% |
| Amounts payable within one year42/48 | €24,852 | €60,140 | €46,131 | €29,681 | ▼ 35.7% |
| Financial debts43 | - | €1,010 | €1,647 | - | - |
| Credit institutions430/8 | - | €1,010 | €1,647 | - | - |
| Trade debts44 | €2,368 | €43,074 | €27,536 | €195 | ▼ 99.3% |
| Suppliers440/4 | - | €43,074 | €27,536 | €195 | ▼ 99.3% |
| Taxes, remuneration and social security45 | - | €16,057 | €11,448 | €21,486 | ▲ 87.7% |
| Taxes450/3 | - | €13,257 | €9,048 | €8,821 | ▼ 2.5% |
| Remuneration and social security454/9 | - | €2,800 | €2,400 | €12,665 | ▲ 428% |
| Other amounts payable47/48 | - | - | €5,500 | €8,000 | ▲ 45.5% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,648 | €11,257 | €8,395 | €20,206 | ▲ 141% |
| + Depreciation and write-downs630 | €2,999 | €1,541 | €1,499 | €39 | ▼ 97.4% |
| Operating cash flow (approximation) | €38,647 | €12,798 | €9,894 | €20,245 | ▲ 105% |
| Investment in fixed assets (approximation) | - | €8,547 | €0 | - | - |
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
2025
30-09
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Gent · event 23-09-2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €8,395 ▼25.4%
Net result drops to €8,395, the lowest in the series.
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
SignalFinancial 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.
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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, Gent · 1 establishment unit since 2020
Ground area
284 m²
Building footprint
262 m²
Volume, LiDAR
1,718 m³
2 parcels, Flanders, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
144
companies at this address
See who is registered here
1 establishment unit
MAT LUC CONSTRUCT
since 20202.301.817.126
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0052/00R006 | Flanders | 214 m² | 1 · 202 m² | 11.8 m · 3 fl. |
| 92121A0603/00D003 | Wallonia | 71 m² | 1 · 60 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | HEIDI DE CAUWER HOUTEN SCHOEN 14, 9100 SINT-
NIKLAAS |
23-09-2025 → present |
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Of 4,920 companies in sector 53200 we hold annual accounts for 1,323. 1,105 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
Founded27-01-2020
Fiscal year end30-06
Activities, NACEBEL 2025
53200Other postal and courier activities
43310Plastering work
43331Floor and wall tiling
43341Painting of buildings
43410Roofing work
43990Other specialised construction activities
49410Freight transport by road
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.