Comité du lait
ActiveComité du lait has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.28M and a net result of €31k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 80% of 187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▲+2
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 5.45 against 8.16 in 2024), and 15.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
84.8%
Return on assets
0.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
64 d late
2023
79 d early
2022
17 d late
2021
28 d late
2020
82 d early
2019
49 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€31k▲ 176%
2024 · €11k
2018: €1k
2019: €5k
2020: €6k
2021: €2k
2022: €-525k
2023: €8k
2024: €11k
2018 → 2025
Working capital
€4.13M▼ 10.1%
2024 · €4.59M
2018: €5.68M
2019: €5.37M
2020: €5.15M
2021: €5.07M
2022: €4.53M
2023: €4.81M
2024: €4.59M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.75M-€5.23M▼ 9.1%€5.23M▲ 0.2%€5.24M▲ 0.2%€5.28M▲ 0.6%
Operating result€-42k-€-314k▼ 649%€-111k▲ 64.8%€-123k▼ 11.4%€-7k▲ 94.3%
Net result€2k-€-525k€8k€11k▲ 40.2%€31k▲ 176%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €123k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.20M
Fixed assets
€1.14M▼ 0.6%
Current assets
€5.05M▼ 3.3%
Equity and liabilities €6.22M
Equity
€5.28M▲ 0.6%
Provisions
€0▼ 100%
Debt
€943k▲ 1.5%
The debt ratio rises from 14.6% to 15.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€352k▲
2024 · €195k
Cash flow
€390k▲
2024 · €330k
Solvency
84.8%▲
2024 · 82.2%
Current ratio
5.45▼
2024 · 8.16
Quick ratio
5.41▼
2024 · 8.07
Debt / equity
0.18▲
2024 · 0.18
ROE
0.6%▲
2024 · 0.2%
ROA
0.5%▲
2024 · 0.2%
Interest coverage
87.68▲
2024 · -5.18
Debt
€943k▲
2024 · €929k
Debt ≤ 1 year
€927k▲
2024 · €641k
Debt > 1 year
€400=
2024 · €400
Income taxes
€17k▼
2024 · €22k
Staff costs
€2.62M▲
2024 · €2.59M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€6.38M€6.22M▼
Formation expenses20-€21k
Fixed assets21/28€1.15M€1.14M▼
Intangible fixed assets21€65k€154k▲
Tangible fixed assets22/27€1.04M€940k▼
Land and buildings22€333k€302k▼
Plant, machinery and equipment23€480k€389k▼
Furniture and vehicles24€222k€249k▲
Financial fixed assets28€51k€50k▼
Current assets29/58€5.23M€5.05M▼
Stocks and contracts in progress3€55k€32k▼
Stocks30/36€55k€32k▼
Amounts receivable within one year40/41€757k€884k▲
Trade receivables40€757k€884k▲
Current investments50/53€4.14M€3.20M▼
Cash at bank and in hand54/58€242k€624k▲
Deferred charges and accrued income490/1€32k€317k▲
Equity and liabilities
Total equity and liabilities10/49€6.38M€6.22M▼
Equity10/15€5.24M€5.28M▲
Contributions10/11€4.85M€4.85M=
Capital10€4.85M€4.85M=
Profit (loss) carried forward14€392k€423k▲
Provisions and deferred taxes16€206k€0▼
Provisions for liabilities and charges160/5€206k€0▼
Pensions and similar obligations160€161k€0▼
Other liabilities and charges164/5€45k€0▼
Amounts payable17/49€929k€943k▲
Amounts payable after more than one year17€400€400=
Other amounts payable178/9€400€400=
Amounts payable within one year42/48€641k€927k▲
Trade debts44€259k€465k▲
Suppliers440/4€259k€465k▲
Taxes, remuneration and social security45€335k€362k▲
Taxes450/3€69k€89k▲
Remuneration and social security454/9€265k€273k▲
Accrued charges and deferred income492/3€288k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2.59M€2.62M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€319k€359k▲
Other operating charges640/8€159k€203k▲
Gross operating margin9900€2.90M€3.38M▲
Operating profit (loss)9901€-123k€-7k▲
Financial income75/76B€119k€59k▼
Recurring financial income75€119k€59k▼
Financial charges65/66B€-38k€4k▲
Recurring financial charges65€-38k€4k▲
Profit (loss) for the period before taxes9903€33k€48k▲
Income taxes67/77€22k€17k▼
Profit (loss) for the period9904€11k€31k▲
Profit (loss) for the period to be appropriated9905€11k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€392k€423k▲
Profit (loss) brought forward from the previous period14P€381k€392k▲
Social balance
Average headcount (FTE)908738.036.4▼
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €31k ▲176%
Net result €31k, the highest in the series.
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 64 days late
2024
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €-525k ▼30522%
Net result drops to €-525k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 28 days late
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 49 days late
2019
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2025
Jean LIEBEN
CurrentDirector (executive) · since 12-05-2025
Jean-François HEYMANS
CurrentDirector (executive) · since 12-05-2025
Patrick DUIZINGS Miermont
CurrentDirector · since 27-04-2023
12-05-2025
Jean LIEBEN: Appointed as Director (executive)
12-05-2025
Jean-François HEYMANS: Appointed as Director (executive)
27-04-2023
Patrick DUIZINGS Miermont: Appointed as Director
Location & real-estate footprint
Registered office, Herve · 1 establishment unit since 1986
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 de Herve 1044651 HerveGround area
8,133 m²
Building footprint
514 m²
Parcel 63006D0310/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
COMITE DU LAIT DES PROVINCES DE LIEGE NAMUR LUXEMBOURG ET DU BRABANT WALLON ET HAINAUT
since 19862.159.207.528
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006D0310/00C000 | Wallonia | 8,133 m² | 1 · 514 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
5299004FLCP5QIKKZ870
Similar companies · same sector, comparable size
RIC
BE 0428.603.012
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Association des Propriétaires de Récipients a Gaz comprimés, liquéfiés ou dissous
BE 0407.199.070
Brussel · Eq €5.33M
SERVIER R & D BENELUX
BE 0433.543.775
Anderlecht · Eq €5.41M
BACHELET GROUP
BE 0403.885.333
Liège · Eq €5.48M
LABO DERVA
BE 0424.612.847
Heusden-Zolder · Eq €4.93M
Of 2,136 companies in sector 71209 we hold annual accounts for 1,079. 236 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded03-12-1986
Fiscal year end31-12
Abbreviation FR
CdL
Activities, NACEBEL
71209Other technical testing and analysis
72109Other research and development on natural sciences
73100
74302
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.