Financials
- Fiscal year
- 2025
- Total assets
- €71,424
- Loss
- -€40,792
- Solvency
- 6.9%
Total assets▼ 77.6%
Net result
20182025
DI LUCIO
ActiveSummary
The annual accounts of DI LUCIO for fiscal year 2025 show a net loss of 57% of total assets and of 89% of the equity at the start of that year. The 2025 annual accounts show equity of €4,928 and a net result of -€40,792. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 8619 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.5% (low).
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
1 site
Size
€71,424total assets 2025
- Staff
- 0.8 FTE
- Equity
- €4,928
- Loss
- -€40,792
Turnover not published (abridged schema)
Structure
- Board
- 2 members
Accounts 30 d early1 of 4 deeds read
Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €40,792, the second in a row (FY 2025)- Sector Construction of residential and non-residential buildings (NACE 41)- 1 of the last 3 late+ Liquidity: current ratio 0.97, cash €51,660Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 19% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
32-7
equity 6.9% of total assets
Liquidity
50+7
short-term debt 93.1% · cash 72.3%
Profitability
0-8
return on assets -57.1%
Bankruptcy probability, 12 months
1.5%
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
11-2024: 0.2%
12-2024: 0.2%● 0.0% vs 11-2024
01-2025: 0.2%▼ -1.2% vs 12-2024lowest value
02-2025: 0.2%● 0.0% vs 01-2025lowest value
03-2025: 0.2%● 0.0% vs 02-2025lowest value
04-2025: 0.3%▲ +10.5% vs 03-2025
05-2025: 0.3%▼ -1.8% vs 04-2025
06-2025: 0.3%▼ -2.6% vs 05-2025
07-2025: 0.3%▲ +21.5% vs 06-2025
08-2025: 0.5%▲ +68.8% vs 07-2025
09-2025: 0.6%▲ +18.9% vs 08-2025
10-2025: 1.5%▲ +131% vs 09-2025highest value
11-2025: 1.5%● 0.0% vs 10-2025highest value
12-2025: 1.5%● 0.0% vs 11-2025highest value
01-2026: 1.4%▼ -1.6% vs 12-2025
02-2026: 1.4%● 0.0% vs 01-2026
03-2026: 1.4%▼ -1.4% vs 02-2026
04-2026: 1.4%▼ -0.5% vs 03-2026
05-2026: 1.4%▼ -2.3% vs 04-2026
06-2026: 1.3%▼ -3.8% vs 05-2026
07-2026: 1.3%▲ +0.8% vs 06-2026
08-2026: 1.5%▲ +8.3% vs 07-2026
09-2026: 1.5%● 0.0% vs 08-2026
10-2026: 1.5%● 0.0% vs 09-2026
- Loss of €40,792, the second in a row (FY 2025) raises the probability
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Liquidity: current ratio 0.97, cash €51,660 lowers the probability
- 1 of the last 3 late raises the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.97 against 1.15 in 2024; short-term debt: 93.1% and cash: 72.3% of total assets), and 93.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 16%, liquidity 51%, profitability 5%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€40,792
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 8619 sector peers (2025).
NBB · sector comparisonPosition among 8619 sector peers
Solvency
better than 16%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
41 d late
2023
9 d late
2022
9 d late
2021
9 d early
2020
2 d early
2019
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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. Usually files around 9 August (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Resignation: PESSER Lucien Mario Maurice Ghislain…Appointments: PESSER Mickaël (director) and…
- Weakest financial yearnet -€40,792
Key points
By topic
Board & ownership
- Board
- 2 members
Go to Board & ownership
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 01-07-2026Annual accounts filed
- 05-06-2026Resignation: PESSER Lucien Mario Maurice Ghislain (director…
- 31-12-2025Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 24-12-2003
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 2
- Purpose
- Le commerce sous toutes ses formes, dont le commerce ambulant, l’e-commerce, le commerce…
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