AANNEMINGEN JOEL LAVENS
ActiveSummary
AANNEMINGEN JOEL LAVENS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.50M and a net result of €58k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-1
Solvency94▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 3.93 in 2024; short-term debt: 25.9% and cash: 24.4% of total assets), and 31.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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
68.9%
Return on assets
2.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
3 d late
2022
25 d late
2021
27 d late
2020
1 d early
2019
1 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.50M▲ 4.0%
2024 · €1.45M
2019: €1.23M
2020: €1.20M
2021: €1.24M
2022: €1.33M
2023: €1.39M
2024: €1.45M
2019 → 2025
Total assets
€2.19M▲ 16.2%
2024 · €1.88M
2019: €1.98M
2020: €1.45M
2021: €1.49M
2022: €1.58M
2023: €1.65M
2024: €1.88M
2019 → 2025
Net result
€58k▼ 0.6%
2024 · €59k
2019: €-14k
2020: €-39k
2021: €42k
2022: €90k
2023: €60k
2024: €59k
2019 → 2025
Working capital
€1.14M▼ 10.8%
2024 · €1.27M
2019: €993k
2020: €884k
2021: €807k
2022: €954k
2023: €1.12M
2024: €1.27M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.24M-€1.33M▲ 7.3%€1.39M▲ 4.5%€1.45M▲ 4.2%€1.50M▲ 4.0%
Operating result€47k-€102k▲ 117%€83k▼ 18.8%€82k▼ 1.8%€81k▼ 0.8%
Net result€42k-€90k▲ 117%€60k▼ 33.6%€59k▼ 2.1%€58k▼ 0.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.19M
Fixed assets
€483k ▲ 179%
Current assets
€1.70M ▼ 0.3%
Equity and liabilities €2.19M
Equity
€1.50M ▲ 4.0%
Debt
€681k ▲ 56.8%
Debt's share of the balance-sheet total rises from 23.1% to 31.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€260k▲
2024 · €233k
Cash flow
€238k▲
2024 · €210k
Current ratio
3.00▼
2024 · 3.93
Quick ratio
2.91▼
2024 · 3.81
Debt to equity
0.45▲
2024 · 0.30
ROE
3.9%▼
2024 · 4.1%
ROA
2.7%▼
2024 · 3.1%
Interest coverage
58.73▼
2024 · 210.95
Debt ≤ 1 year
€567k▲
2024 · €434k
Debt > 1 year
€114k
Income taxes
€18k▼
2024 · €23k
Staff costs
€63k▲
2024 · €60k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.88M€2.19M▲
Fixed assets21/28€173k€483k▲
Intangible fixed assets21-€20k
Tangible fixed assets22/27€172k€463k▲
Plant, machinery and equipment23€79k€287k▲
Furniture and vehicles24€93k€176k▲
Financial fixed assets28€540€540=
Current assets29/58€1.71M€1.70M▼
Stocks and contracts in progress3€55k€55k=
Contracts in progress37€55k€55k=
Amounts receivable within one year40/41€794k€1.11M▲
Trade receivables40€589k€935k▲
Other amounts receivable41€205k€179k▼
Cash at bank and in hand54/58€853k€532k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.88M€2.19M▲
Equity10/15€1.45M€1.50M▲
Contributions10/11€751k€751k=
Reserves13€695k€754k▲
Non-distributable reserves130/1€60k€60k=
Reserves not available under the articles1311€60k€60k=
Tax-exempt reserves132€20k€20k=
Distributable reserves133€615k€674k▲
Amounts payable17/49€434k€681k▲
Amounts payable after more than one year17-€114k
Financial debts170/4-€114k
Amounts payable within one year42/48€434k€567k▲
Current portion of amounts payable after more than one year42-€33k
Financial debts43€17k€7k▼
Credit institutions430/8€17k€7k▼
Trade debts44€322k€435k▲
Suppliers440/4€322k€435k▲
Advances received on contracts in progress46€92k€92k=
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€60k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€151k€179k▲
Other operating charges640/8€161k€212k▲
Gross operating margin9900€454k€535k▲
Operating profit (loss)9901€82k€81k▼
Financial income75/76B€1k€36▼
Recurring financial income75€1k€36▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€82k€76k▼
Income taxes67/77€23k€18k▼
Profit (loss) for the period9904€59k€58k▼
Profit (loss) for the period to be appropriated9905€59k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€58k▼
Transfer to equity691/2€59k€58k▼
To other reserves6921€59k€58k▼
Social balance
Average headcount (FTE)90870.60.8▲
The notes to these accounts (19 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
03-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 3 days late
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
31-03
Financial
Highest result since 2019net €90k ▲117%
Operating result €102k, net result €90k, both a record.
2021
27-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 27 days late
31-03
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-09
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
3 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, Kontich · 1 establishment unit since 1988
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.
Valveken 32550 KontichGround area
6,465 m²
Building footprint
938 m²
Volume, LiDAR
5,309 m³
Parcel 11024F0391/00P000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AANNEMINGEN LAVENS JOEL BVBA
since 19882.040.626.315
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024F0391/00P000 | Flanders | 6,465 m² | 1 · 938 m² | 7.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 489 EUR awarded · 489 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 53 EUR | 53 EUR |
| 2024 | 1 | 436 EUR | 436 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 1,416 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
Founded21-09-1988
Fiscal year end31-03
Activities, NACEBEL 2025
42110Construction of roads and motorways
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.