BUREAU LAREDO
ActiveBUREAU LAREDO has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €11k and a net result of €14k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 15867 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency59▲+43
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.95 against 1.26 in 2023; short-term debt: 50% and cash: 8.2% of total assets), but 65.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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 →
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 2024Solvency, return and age of the figures
Solvency
34.1%
Return on assets
44.1%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-11-2025, 95 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
95 d late
2023
91 d late
2022
64 d late
2021
57 d late
2020
103 d late
2019
144 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€11k
2023 · €-3k
2018: €-57k
2019: €-6k
2020: €-25k
2021: €-26k
2022: €-22k
2023: €-3k
2018 → 2024
Total assets
€32k▼ 10.3%
2023 · €36k
2018: €33k
2019: €45k
2020: €39k
2021: €39k
2022: €36k
2023: €36k
2018 → 2024
Net result
€14k▼ 22.8%
2023 · €18k
2018: €-46k
2019: €51k
2020: €-19k
2021: €-1k
2022: €5k
2023: €18k
2018 → 2024
Working capital
€15k▲ 110%
2023 · €7k
2018: €-47k
2019: €11k
2020: €-11k
2021: €-23k
2022: €-17k
2023: €7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-25k-€-26k▼ 5.4%€-22k▲ 18.4%€-3k▲ 85.2%€11k
Operating result€-5k-€5k€5k▲ 2.7%€19k▲ 257%€15k▼ 20.0%
Net result€-19k-€-1k▲ 92.7%€5k€18k▲ 278%€14k▼ 22.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €32k
Fixed assets
€750▼ 9.9%
Current assets
€31k▼ 10.3%
Equity and liabilities €32k
Equity
€11k
Debt
€21k
Debt finances 65.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€15k▼
2023 · €19k
Cash flow
€14k▼
2023 · €19k
Solvency
34.1%▲
2023 · -8.9%
Current ratio
1.95▲
2023 · 1.26
Quick ratio
1.34▲
2023 · 0.86
Debt / equity
1.93▲
2023 · -12.22
ROE
129.1%
ROA
44.1%▼
2023 · 51.2%
Interest coverage
14.17▼
2023 · 27.10
Debt
€21k▼
2023 · €39k
Debt ≤ 1 year
€16k▼
2023 · €28k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€36k€32k▼
Fixed assets21/28€832€750▼
Tangible fixed assets22/27€82€0▼
Furniture and vehicles24€82-
Financial fixed assets28€750€750=
Current assets29/58€35k€31k▼
Stocks and contracts in progress3€11k€10k▼
Stocks30/36€11k€10k▼
Amounts receivable within one year40/41€24k€19k▼
Trade receivables40€24k€18k▼
Other amounts receivable41€62€480▲
Cash at bank and in hand54/58€29€3k▲
Deferred charges and accrued income490/1€140€140=
Equity and liabilities
Total equity and liabilities10/49€36k€32k▼
Equity10/15€-3k€11k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-24k€-9k▲
Amounts payable17/49€39k€21k▼
Amounts payable within one year42/48€28k€16k▼
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Other amounts payable47/48€6k-
Accrued charges and deferred income492/3€11k€5k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€402€82▼
Other operating charges640/8-€117
Gross operating margin9900€19k€15k▼
Operating profit (loss)9901€19k€15k▼
Financial charges65/66B€718€1k▲
Recurring financial charges65€718€1k▲
Profit (loss) for the period before taxes9903€18k€14k▼
Profit (loss) for the period9904€18k€14k▼
Profit (loss) for the period to be appropriated9905€18k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-9k▲
Profit (loss) brought forward from the previous period14P€-42k€-24k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 95 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
11-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 103 days late
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 144 days late
2019
31-12
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.35
Current ratio from 0.38 to 1.35; short-term debt falls from €76k to €31k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 145 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Vorst · 1 establishment unit since 1993
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.
Oude Vijversstraat 401190 VorstGround area
1,894 m²
Building footprint
682 m²
Volume, LiDAR
5,046 m³
Parcel 21382C0028/00G003, Brussels · tallest building 8.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Oude Vijversstraat 40, 1190 Vorst
since 19932.061.190.216
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0028/00G003 | Brussels | 1,894 m² | 1 · 682 m² | 8.8 m · 3 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.
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SCRIPTURA
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Of 165 companies in sector 46491 we hold annual accounts for 90. 26 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-02-1993
Fiscal year end31-12
Activities, NACEBEL
46491Wholesale trade
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.