THOMAS & LUKAS
ActiveSummary
The computed 12-month bankruptcy probability of THOMAS & LUKAS is 1.7% (moderate). The 2025 annual accounts show equity of €96k and a net result of €-21k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 13305 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-34
Solvency92▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.7 in 2024; short-term debt: 30.6% and cash: 3.1% of total assets), and 33% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67%
Return on assets
-15%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
125 d early
2023
63 d early
2022
84 d early
2021
71 d early
2020
64 d early
2019
51 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, micro schema
Equity
€96k▼ 18.3%
2024 · €117k
2018: €64k
2019: €60k
2020: €73k
2021: €101k
2022: €107k
2023: €117k
2024: €117k
2018 → 2025
Total assets
€143k▼ 24.3%
2024 · €189k
2018: €101k
2019: €143k
2020: €135k
2021: €191k
2022: €189k
2023: €215k
2024: €189k
2018 → 2025
Net result
€-21k
2024 · €1k
2018: €7k
2019: €-3k
2020: €12k
2021: €29k
2022: €6k
2023: €24k
2024: €1k
2018 → 2025
Working capital
€-23k▼ 34.1%
2024 · €-17k
2018: €18k
2019: €6k
2020: €28k
2021: €27k
2022: €9k
2023: €6k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€107k▲ 5.5%€117k▲ 9.7%€117k=€96k▼ 18.3%
Operating result€35k-€5k▼ 86.1%€35k▲ 618%€10k▼ 70.8%€-18k
Net result€29k-€6k▼ 80.4%€24k▲ 328%€1k▼ 95.4%€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€122k ▼ 18.6%
Current assets
€21k ▼ 46.2%
Equity and liabilities €143k
Equity
€96k ▼ 18.3%
Debt
€47k ▼ 34.2%
Debt's share of the balance-sheet total falls from 38.0% to 33.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €47k
Cash flow
€9k▼
2024 · €38k
Current ratio
0.48▼
2024 · 0.70
Debt to equity
0.49▼
2024 · 0.61
ROE
-22.4%▼
2024 · 1.0%
ROA
-15.0%▼
2024 · 0.6%
Interest coverage
4.19▼
2024 · 20.99
Debt ≤ 1 year
€44k▼
2024 · €56k
Debt > 1 year
€3k▼
2024 · €16k
Income taxes
€524▼
2024 · €7k
Staff costs
€138k▲
2024 · €90k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€189k€143k▼
Fixed assets21/28€150k€122k▼
Tangible fixed assets22/27€149k€121k▼
Land and buildings22€21k€21k▲
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€62k€38k▼
Other tangible fixed assets26€58k€55k▼
Financial fixed assets28€1k€1k=
Current assets29/58€39k€21k▼
Amounts receivable within one year40/41€386€13k▲
Trade receivables40-€2k
Other amounts receivable41€386€11k▲
Cash at bank and in hand54/58€34k€4k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€189k€143k▼
Equity10/15€117k€96k▼
Contributions10/11€19k€19k=
Reserves13€79k€79k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€76k€76k=
Profit (loss) carried forward14€19k€-2k▼
Amounts payable17/49€72k€47k▼
Amounts payable after more than one year17€16k€3k▼
Financial debts170/4€16k€3k▼
Amounts payable within one year42/48€56k€44k▼
Current portion of amounts payable after more than one year42€13k€12k▼
Trade debts44€16k€11k▼
Suppliers440/4€16k€11k▼
Taxes, remuneration and social security45€18k€20k▲
Taxes450/3€5k€3k▼
Remuneration and social security454/9€13k€18k▲
Other amounts payable47/48€9k-
Income statement
Code20242025
Remuneration, social security and pensions62€90k€138k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€31k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€250-
Gross operating margin9900€138k€152k▲
Operating profit (loss)9901€10k€-18k▼
Financial income75/76B€144€225▲
Recurring financial income75€144€225▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€8k€-21k▼
Income taxes67/77€7k€524▼
Profit (loss) for the period9904€1k€-21k▼
Profit (loss) for the period to be appropriated9905€1k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€-2k▼
Profit (loss) brought forward from the previous period14P€19k€19k=
Profit to be distributed694/7€1k-
Return on contributions (dividend)694€1k-
The notes to these accounts (12 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-21k ▼2022%
Net result drops to €-21k, the lowest in the series.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €29k ▲131%
Operating result €35k, net result €29k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲39.4%
2 profitable years in a row build equity to €101k.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Blégny · 1 establishment unit since 2008
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 de la Source 54671 BlégnyGround area
751 m²
Building footprint
166 m²
Parcel 62095B0073/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Friterie Le Chalet
since 20082.170.395.883
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62095B0073/00T000 | Wallonia | 751 m² | 1 · 166 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlégny2.170.395.883
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 7,872 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
Founded21-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.