SEMPRE LUCENTE DIAMONDS
ActiveSummary
SEMPRE LUCENTE DIAMONDS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €734k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-18
Solvency70▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 1.83 in 2024; short-term debt: 54.7% and cash: 10.7% of total assets), but 54.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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
45.3%
Return on assets
0.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €734k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
15 d early
2023
20 d early
2022
17 d early
2021
20 d early
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€734k▲ 1.6%
2024 · €723k
2018: €21k
2019: €14k
2020: €20k
2021: €11k
2022: €129k
2023: €476k
2024: €723k
2018 → 2025
Total assets
€1.62M▲ 3.0%
2024 · €1.57M
2018: €105k
2019: €72k
2020: €75k
2021: €68k
2022: €802k
2023: €1.05M
2024: €1.57M
2018 → 2025
Net result
€12k▼ 95.3%
2024 · €247k
2018: €10k
2019: €-7k
2020: €-13k
2021: €-10k
2022: €118k
2023: €347k
2024: €247k
2018 → 2025
Working capital
€689k▼ 2.7%
2024 · €708k
2018: €74k
2019: €55k
2020: €53k
2021: €41k
2022: €129k
2023: €526k
2024: €708k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€129k▲ 1,108%€476k▲ 269%€723k▲ 51.8%€734k▲ 1.6%
Operating result€-9k-€151k€379k▲ 152%€277k▼ 26.9%€28k▼ 89.8%
Net result€-10k-€118k€347k▲ 193%€247k▼ 28.9%€12k▼ 95.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€45k ▲ 185%
Current assets
€1.58M ▲ 1.1%
Equity and liabilities €1.62M
Equity
€734k ▲ 1.6%
Debt
€887k ▲ 4.1%
Debt's share of the balance-sheet total rises from 54.1% to 54.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▼
2024 · €278k
Cash flow
€15k▼
2024 · €248k
Current ratio
1.78▼
2024 · 1.83
Quick ratio
0.65▼
2024 · 0.80
Debt to equity
1.21▲
2024 · 1.18
ROE
1.6%▼
2024 · 34.1%
ROA
0.7%▼
2024 · 15.7%
Interest coverage
7.74▼
2024 · 80.70
Debt ≤ 1 year
€887k▲
2024 · €851k
Income taxes
€13k▼
2024 · €37k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.57M€1.62M▲
Fixed assets21/28€16k€45k▲
Tangible fixed assets22/27€16k€42k▲
Furniture and vehicles24€12k€27k▲
Other tangible fixed assets26€4k€15k▲
Financial fixed assets28€250€3k▲
Current assets29/58€1.56M€1.58M▲
Stocks and contracts in progress3€875k€1,000k▲
Stocks30/36€875k€1,000k▲
Amounts receivable within one year40/41€356k€402k▲
Trade receivables40€356k€400k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€328k€174k▼
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.62M▲
Equity10/15€723k€734k▲
Contributions10/11€19k€19k=
Reserves13€704k€716k▲
Distributable reserves133€704k€716k▲
Amounts payable17/49€852k€887k▲
Amounts payable after more than one year17€0-
Other amounts payable178/9€0-
Amounts payable within one year42/48€851k€887k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€749k€852k▲
Suppliers440/4€749k€852k▲
Taxes, remuneration and social security45€84k€15k▼
Taxes450/3€84k€15k▼
Other amounts payable47/48€19k€20k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€569€1k▲
Gross operating margin9900€278k€33k▼
Operating profit (loss)9901€277k€28k▼
Financial income75/76B€11k€426▼
Recurring financial income75€11k€426▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€284k€25k▼
Income taxes67/77€37k€13k▼
Profit (loss) for the period9904€247k€12k▼
Profit (loss) for the period to be appropriated9905€247k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€247k€12k▼
Transfer to equity691/2€247k€12k▼
To other reserves6921€247k€12k▼
The notes to these accounts (11 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €723k ▲51.8%
3 profitable years in a row build equity to €723k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €347k ▲193%
Operating result €379k, net result €347k, both a record.
31-12
Financial
Equity above €200kEq €476k ▲269%
2 profitable years in a row build equity to €476k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €118k
Net result €118k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €129k ▲1108%
Equity rises from €11k to €129k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
Show earlier events
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
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
6 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, Antwerpen · 1 establishment unit since 2007
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.
Hoveniersstraat 352018 AntwerpenGround area
3,196 m²
Building footprint
1,411 m²
Volume, LiDAR
37,750 m³
Parcel 11808H1182/00V018, Flanders · tallest building 42.0 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
Hoveniersstraat 35, 2018 Antwerpen
since 20072.161.038.749
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00V018 | Flanders | 3,196 m² | 1 · 1,411 m² | 42.0 m · 12 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ARPANDIAM
BE 0873.922.488
Antwerpen · Eq €730,350
SUR JEWEL
BE 0428.105.045
Antwerpen · Eq €730,138
CRYSTAL GEMS
BE 0422.952.068
Antwerpen · Eq €740,308
SAACHI GEMS
BE 0849.886.086
Antwerpen · Eq €740,890
ULTIMATE DIAMONDS
BE 0451.653.279
Antwerpen · Eq €744,351
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 488 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2007
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jan@semprelucente.diamonds