Cédric Lannoy
ActiveCédric Lannoy has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €314k and a net result of €99k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 77% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.04 against 5.45 in 2023; short-term debt: 19.4% and cash: 14.6% of total assets), and 19.4% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2024Solvency, return and age of the figures
Solvency
80.6%
Return on assets
25.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
25 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€314k▲ 45.7%
2023 · €216k
2022: €124k
2023: €216k
2022 → 2024
Total assets
€390k▲ 50.9%
2023 · €259k
2022: €197k
2023: €259k
2022 → 2024
Net result
€99k▲ 7.8%
2023 · €91k
2022: €109k
2023: €91k
2022 → 2024
Working capital
€305k▲ 60.4%
2023 · €190k
2022: €122k
2023: €190k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€124k-€216k▲ 73.6%€314k▲ 45.7%
Operating result€146k-€117k▼ 19.7%€114k▼ 2.1%
Net result€109k-€91k▼ 16.3%€99k▲ 7.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 2% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €390k
Fixed assets
€9k▼ 64.7%
Current assets
€381k▲ 63.4%
Equity and liabilities €390k
Equity
€314k▲ 45.7%
Debt
€76k▲ 76.9%
The debt ratio rises from 16.5% to 19.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€131k▲
2023 · €126k
Cash flow
€115k▲
2023 · €100k
Solvency
80.6%▼
2023 · 83.5%
Current ratio
5.04▼
2023 · 5.45
Quick ratio
5.04▼
2023 · 5.45
Debt / equity
0.24▲
2023 · 0.20
ROE
31.4%▼
2023 · 42.4%
ROA
25.3%▼
2023 · 35.4%
Interest coverage
484.52▲
2023 · 97.66
Debt
€76k▲
2023 · €43k
Debt ≤ 1 year
€76k▲
2023 · €43k
Income taxes
€30k▲
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€259k€390k▲
Fixed assets21/28€25k€9k▼
Tangible fixed assets22/27€25k€9k▼
Furniture and vehicles24€25k€9k▼
Current assets29/58€233k€381k▲
Amounts receivable within one year40/41€112k€315k▲
Trade receivables40€1k€1k▲
Other amounts receivable41€110k€313k▲
Current investments50/53€75k-
Cash at bank and in hand54/58€37k€57k▲
Deferred charges and accrued income490/1€9k€9k=
Equity and liabilities
Total equity and liabilities10/49€259k€390k▲
Equity10/15€216k€314k▲
Contributions10/11€15k€15k=
Reserves13€201k€299k▲
Distributable reserves133€201k€299k▲
Amounts payable17/49€43k€76k▲
Amounts payable within one year42/48€43k€76k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€41k€73k▲
Taxes450/3€41k€73k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€16k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€129k€132k▲
Operating profit (loss)9901€117k€114k▼
Financial income75/76B€4k€15k▲
Recurring financial income75€4k€15k▲
Financial charges65/66B€1k€270▼
Recurring financial charges65€1k€270▼
Profit (loss) for the period before taxes9903€119k€129k▲
Income taxes67/77€28k€30k▲
Profit (loss) for the period9904€91k€99k▲
Profit (loss) for the period to be appropriated9905€91k€99k▲
Appropriation of the result
Profit (loss) to be appropriated9906€201k€99k▼
Profit (loss) brought forward from the previous period14P€109k€0▼
Transfer to equity691/2€201k€99k▼
To other reserves6921€201k€99k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
31-12
Financial
Weakest financial yearnet €91k ▼16.3%
Net result drops to €91k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.45
Current ratio from 2.68 to 5.45; short-term debt falls from €73k to €43k.
31-12
Financial
Equity above €200kEq €216k ▲73.6%
2 profitable years in a row build equity to €216k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2021
29-10
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 2021
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.
Chemin des Messes 431380 LasneGround area
4,214 m²
Building footprint
337 m²
Volume, LiDAR
1,965 m³
Parcel 25076F0359/00D000, Wallonia · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cédric Lannoy
since 20212.326.791.557
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0359/00D000 | Wallonia | 4,214 m² | 1 · 337 m² | 10.8 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.
Structure & network
Ownership & control
1 partyCédric LannoyBE 0773.601.724
controls
Where this company holds controlthis company sits on their board1
7 locations
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,863 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.