PRO LUX FINANCE
ActivePRO LUX FINANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €92k and a net result of €458k. Its solvency ranks better than 8% of 487 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 487 sector peers (2025).
NBB · sector comparisonPosition among 487 sector peers
Solvency
better than 8%
← 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 18-05-2026, 74 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
74 d early
2024
77 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€92k▲ 165%
2024 · €35k
2024: €35k
2024 → 2025
Net result
€458k▼ 57.6%
2024 · €1.08M
2024: €1.08M
2024 → 2025
Total assets
€3.46M▼ 15.4%
2024 · €4.08M
2024: €4.08M
2024 → 2025
Solvency
2.7%▲ 1.8pp
2024 · 0.9%
2024: 0.9%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€35k-€92k▲ 165%
Operating result€1.20M-€581k▼ 51.7%
Net result€1.08M-€458k▼ 57.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.46M
Fixed assets
€2.41M▼ 11.6%
Current assets
€1.05M▼ 22.9%
Equity and liabilities €3.46M
Equity
€92k▲ 165%
Debt
€3.36M▼ 16.9%
The debt ratio falls from 99.1% to 97.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
2.7%▲
2024 · 0.9%
ROE
494.7%
ROA
13.2%▼
2024 · 26.4%
Debt
€3.36M▼
2024 · €4.05M
Debt ≤ 1 year
€1.43M▼
2024 · €1.93M
Debt > 1 year
€1.85M▼
2024 · €2.10M
Income taxes
€36k▲
2024 · €28k
Staff costs
€1.10M▼
2024 · €1.42M
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€4.08M€3.46M▼
Fixed assets21/28€2.73M€2.41M▼
Intangible fixed assets21€2.60M€2.29M▼
Tangible fixed assets22/27€127k€118k▼
Furniture and vehicles24€127k€118k▼
Financial fixed assets28€800-
Current assets29/58€1.36M€1.05M▼
Current investments50/53€300k€200k▼
Cash at bank and in hand54/58€416k€226k▼
Deferred charges and accrued income490/1€640k€619k▼
Equity and liabilities
Total equity and liabilities10/49€4.08M€3.46M▼
Equity10/15€35k€92k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€29k€86k▲
Amounts payable17/49€4.05M€3.36M▼
Amounts payable after more than one year17€2.10M€1.85M▼
Financial debts170/4€2.10M€1.85M▼
Amounts payable within one year42/48€1.93M€1.43M▼
Current portion of amounts payable after more than one year42€261k€268k▲
Trade debts44€24k€4k▼
Suppliers440/4€24k€4k▼
Taxes, remuneration and social security45€215k€234k▲
Taxes450/3€54k€72k▲
Remuneration and social security454/9€160k€163k▲
Other amounts payable47/48€1.43M€924k▼
Accrued charges and deferred income492/3€21k€88k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€1.42M€1.10M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€508k€344k▼
Other operating charges640/8€15k€6k▼
Non-recurring operating charges66A€45€1k▲
Gross operating margin9900€3.15M€2.03M▼
Operating profit (loss)9901€1.20M€581k▼
Financial income75/76B€2k€8k▲
Recurring financial income75€2k€8k▲
Financial charges65/66B€100k€96k▼
Recurring financial charges65€100k€96k▼
Profit (loss) for the period before taxes9903€1.11M€493k▼
Income taxes67/77€28k€36k▲
Profit (loss) for the period9904€1.08M€458k▼
Profit (loss) for the period to be appropriated9905€1.08M€458k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.08M€486k▼
Profit (loss) brought forward from the previous period14P-€29k
Profit to be distributed694/7€1.05M€400k▼
Directors or managers695€1.05M€400k▼
Social balance
Average headcount (FTE)908713.415.8▲
The notes to these accounts (17 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
NBB filing
Directors · office · real estate
Directors
4 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, Habay · 4 establishment units since 2023
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.
Rue des Rames 226720 HabayGround area
1.1 ha
Building footprint
1,998 m²
Volume, LiDAR
739 m³
3 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
PRO LUX FINANCE
since 20232.344.161.485
PRO LUX FINANCE
since 20232.347.239.553
PRO LUX FINANCE
since 20232.347.239.652
PRO LUX FINANCE
since 20232.347.239.751
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81001A0067/00N000 | Wallonia | 7,677 m² | 1 · 1,569 m² | - |
| 91015B0469/00B008 | Wallonia | 2,144 m² | 1 · 305 m² | - |
| 85014B0789/00S003 | Wallonia | 754 m² | 1 · 124 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,038 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2023
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:arnaud.etien@ing.com
Phone:+3263212150
Phone:063212150