Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 42 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LUCARDI from Kortrijk, company number BE0538505891, closed financial year 2025 with a result of € 4,266 after tax. For that financial year LUCARDI recorded a gross margin of € 304,838 and equity of € 275,954. Compared with financial year 2024, the result moved from € 37,326 to € 4,266. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 21, 2026.
€ 275,954
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 4,266
▼ 89% vs 2024
Profit after tax over the fiscal year.
€ 63,065
▼ 31% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 100,954.
People and assets in 2025
€ 154,338
▲ 31% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 52,111
Of which on lease € 17,211.
Debts at end 2025
€ 635,216
€ 76,367 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 28,810
▲ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 14,620
▼ 29% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 242,296 | € 294,767 | € 290,321 | € 304,838 | ▲ 5% |
| Profit after taxes | € 7,516 | € 34,885 | € 37,326 | € 4,266 | ▼ 89% |
| Equity | € 207,477 | € 234,362 | € 271,688 | € 275,954 | ▲ 2% |
| Total debts | € 716,365 | € 679,954 | € 785,223 | € 758,530 | ▼ 3% |
| Cash | € 82,147 | € 97,063 | € 90,943 | € 63,065 | ▼ 31% |
| Land & buildings | € 655,394 | € 626,028 | € 730,944 | € 726,102 | ▼ 1% |
| Retained profit | € 32,477 | € 59,362 | € 96,688 | € 100,954 | ▲ 4% |
| Dividend | € 0 | € 8,000 | € 0 | € 0 | |
| Bank debt | € 482,612 | € 513,858 | € 636,714 | € 635,216 | |
| Balance sheet total | € 923,842 | € 914,316 | € 1,056,911 | € 1,034,484 | ▼ 2% |
Key figures of LUCARDI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to LUCARDI?
What happened at LUCARDI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 4,266 (▼ 89% vs 2024). Source: NBB ↗
- Sanne Lena Callens became a director. NBB
- New establishment in Kortrijk. KBO
- Bram Mark Coelembier became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 7,516 profit in 2022 to € 4,266 profit in 2025.
Paid € 44,627 in corporate taxes since 2022.
Best year ever: 2024, with € 37,326 profit.
Paid out € 8,000 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind LUCARDI are Sanne Lena Callens and Bram Mark Coelembier.
Directors
According to the 2025 annual accounts
Sanne Lena Callens
Director
since 2015
Bram Mark Coelembier
Director
since 2013
Establishments
Establishment units
Physical locations of this company
Bozestraat(Heu) 17
8501 Kortrijk
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Details
- Company number
- 0538.505.891
- VAT number
- BE 0538.505.891
- Registered office
- Bozestraat(Heu) 17, 8501 Kortrijk
- Names & denominations
- LUCARDI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 September 2013
- Peppol
- Active · Active since 12 Nov 2025
- Contact
- lucardiheule.be
- Activities · NACE
Vervaardiging van cacao, chocolade en suikerwerk
Vervaardiging van roomijs en ander consumptie-ijs
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Detailhandel in chocolade en suikerwerk
Groothandel in suiker, chocolade en suikerwerk