CLAUDE Laetitia
ActiveSummary
CLAUDE Laetitia has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €60k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency32▼-68
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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 86
Relative position
BE, all sectors
reference
Sector 86
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 2025Solvency, return and age of the figures
Solvency
7%
Return on assets
81.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 12%
← weakest
strongest →
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 23-04-2026, 99 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
99 d early
2024
34 d early
2023
37 d early
2022
123 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
€5k▼ 96.7%
2024 · €152k
2022: €36k
2023: €89k
2024: €152k
2022 → 2025
Total assets
€73k▼ 61.6%
2024 · €190k
2022: €50k
2023: €109k
2024: €190k
2022 → 2025
Net result
€60k▼ 5.3%
2024 · €63k
2022: €31k
2023: €53k
2024: €63k
2022 → 2025
Working capital
€4k▼ 97.1%
2024 · €151k
2022: €36k
2023: €89k
2024: €151k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€36k-€89k▲ 150%€152k▲ 70.5%€5k▼ 96.7%
Operating result€40k-€70k▲ 71.7%€81k▲ 16.6%€77k▼ 5.1%
Net result€31k-€53k▲ 74.2%€63k▲ 17.6%€60k▼ 5.3%
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 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€728 ▼ 47.8%
Current assets
€72k ▼ 61.7%
Equity and liabilities €73k
Equity
€5k ▼ 96.7%
Debt
€68k ▲ 77.9%
Debt's share of the balance-sheet total rises from 20.1% to 93.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€78k▼
2024 · €82k
Cash flow
€60k▼
2024 · €63k
Current ratio
1.06▼
2024 · 4.94
Debt to equity
13.37▲
2024 · 0.25
ROA
81.6%▲
2024 · 33.1%
Interest coverage
229.66▼
2024 · 480.72
Debt ≤ 1 year
€68k▲
2024 · €38k
Income taxes
€17k▼
2024 · €18k
A ratio outside any meaningful range has been withheld (balance sheet total €73k, equity €5k).
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€190k€73k▼
Fixed assets21/28€1k€728▼
Tangible fixed assets22/27€1k€728▼
Furniture and vehicles24€1k€728▼
Current assets29/58€189k€72k▼
Amounts receivable after more than one year29€7k€0▼
Other amounts receivable291€7k€0▼
Amounts receivable within one year40/41€42k€22k▼
Trade receivables40-€15
Other amounts receivable41€42k€22k▼
Cash at bank and in hand54/58€139k€47k▼
Deferred charges and accrued income490/1€785€4k▲
Equity and liabilities
Total equity and liabilities10/49€190k€73k▼
Equity10/15€152k€5k▼
Contributions10/11€5k€5k=
Reserves13€145k€0▼
Distributable reserves133€145k€0▼
Profit (loss) carried forward14€2k€77▼
Amounts payable17/49€38k€68k▲
Amounts payable within one year42/48€38k€68k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€37k€5k▼
Taxes450/3€37k€5k▼
Other amounts payable47/48-€61k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€604€666▲
Other operating charges640/8€1k€521▼
Gross operating margin9900€83k€78k▼
Operating profit (loss)9901€81k€77k▼
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€170€338▲
Recurring financial charges65€170€338▲
Profit (loss) for the period before taxes9903€81k€77k▼
Income taxes67/77€18k€17k▼
Profit (loss) for the period9904€63k€60k▼
Profit (loss) for the period to be appropriated9905€63k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€61k▼
Profit (loss) brought forward from the previous period14P€4k€2k▼
Transfer from equity791/2-€145k
Transfer to equity691/2€65k€0▼
To other reserves6921€65k€0▼
Profit to be distributed694/7-€206k
Return on contributions (dividend)694-€206k
The notes to these accounts (8 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €63k ▲17.6%
Operating result €81k, net result €63k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲70.5%
3 profitable years in a row build equity to €152k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB 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, Ferrières
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 du Ravet 84190 FerrièresGround area
397 m²
Building footprint
112 m²
Volume, LiDAR
552 m³
Parcel 61065A1108/00S000, Wallonia · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61065A1108/00S000 | Wallonia | 397 m² | 1 · 112 m² | 5.9 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.
Similar companies · same sector, comparable size
TRISC
BE 0792.852.561
Tournai · Eq €5,109
Lambaerts Cindy
BE 0774.556.876
Heist-op-den-Berg · Eq €5,044
LSSE
BE 0754.376.027
Grâce-Hollogne · Eq €5,000
AMBER AERTS
BE 1002.556.663
Laakdal · Eq €5,180
SOINS INFIRMIERS - FC
BE 0752.663.976
Mons · Eq €4,962
Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 838 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
Founded22-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.