DE LAERE
ActiveDE LAERE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-20
Solvency43▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.92 in 2024; short-term debt: 44.2% and cash: 11% of total assets), and 81.5% 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 47
Relative position
BE, all sectors
reference
Sector 47
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 2025Solvency, return and age of the figures
Solvency
18.5%
Return on assets
-7.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 30.0%
2024 · €59k
2019: €15k
2020: €-16k
2021: €6k
2022: €19k
2023: €37k
2024: €59k
2019 → 2025
Total assets
€224k▼ 20.2%
2024 · €281k
2019: €270k
2020: €202k
2021: €211k
2022: €284k
2023: €300k
2024: €281k
2019 → 2025
Net result
€-18k
2024 · €22k
2019: €11k
2020: €-31k
2021: €22k
2022: €13k
2023: €36k
2024: €22k
2019 → 2025
Working capital
€-23k▼ 147%
2024 · €-9k
2019: €6k
2020: €-18k
2021: €13k
2022: €-13k
2023: €4k
2024: €-9k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€19k▲ 208%€37k▲ 91.6%€59k▲ 59.5%€41k▼ 30.0%
Operating result€28k-€25k▼ 9.5%€50k▲ 98.2%€37k▼ 25.7%€-14k
Net result€22k-€13k▼ 40.9%€36k▲ 177%€22k▼ 39.0%€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €37k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€148k▼ 15.8%
Current assets
€76k▼ 27.5%
Equity and liabilities €224k
Equity
€41k▼ 30.0%
Debt
€183k▼ 17.5%
The debt ratio rises from 78.9% to 81.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €78k
Cash flow
€29k▼
2024 · €63k
Solvency
18.5%▼
2024 · 21.1%
Current ratio
0.77▼
2024 · 0.92
Quick ratio
0.53▼
2024 · 0.72
Debt / equity
4.41▲
2024 · 3.74
ROE
-42.9%▼
2024 · 37.3%
ROA
-7.9%▼
2024 · 7.9%
Interest coverage
6.61▼
2024 · 12.95
Debt
€183k▼
2024 · €222k
Debt ≤ 1 year
€99k▼
2024 · €115k
Debt > 1 year
€83k▼
2024 · €106k
Income taxes
€486▼
2024 · €10k
Staff costs
€177k▼
2024 · €179k
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€281k€224k▼
Fixed assets21/28€176k€148k▼
Intangible fixed assets21€29k€20k▼
Tangible fixed assets22/27€145k€126k▼
Land and buildings22€84k€72k▼
Plant, machinery and equipment23€18k€28k▲
Furniture and vehicles24€38k€23k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€105k€76k▼
Stocks and contracts in progress3€23k€23k=
Stocks30/36€23k€23k=
Amounts receivable within one year40/41€27k€26k▼
Trade receivables40€13k€12k▼
Other amounts receivable41€14k€14k▼
Cash at bank and in hand54/58€53k€25k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€281k€224k▼
Equity10/15€59k€41k▼
Contributions10/11€25k€25k=
Reserves13€34k€19k▼
Tax-exempt reserves132€19k€19k=
Distributable reserves133€16k-
Profit (loss) carried forward14-€-2k
Amounts payable17/49€222k€183k▼
Amounts payable after more than one year17€106k€83k▼
Financial debts170/4€106k€83k▼
Amounts payable within one year42/48€115k€99k▼
Current portion of amounts payable after more than one year42€22k€23k▲
Trade debts44€52k€48k▼
Suppliers440/4€52k€48k▼
Taxes, remuneration and social security45€41k€28k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€27k€25k▼
Accrued charges and deferred income492/3€857€193▼
Income statement
Code20242025
Remuneration, social security and pensions62€179k€177k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€46k▲
Other operating charges640/8€3k€6k▲
Gross operating margin9900€260k€215k▼
Operating profit (loss)9901€37k€-14k▼
Financial income75/76B€390€2k▲
Recurring financial income75€390€2k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€32k€-17k▼
Income taxes67/77€10k€486▼
Profit (loss) for the period9904€22k€-18k▼
Profit (loss) for the period to be appropriated9905€22k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-18k▼
Profit (loss) brought forward from the previous period14P€-9k-
Transfer from equity791/2-€16k
Transfer to equity691/2€13k-
To other reserves6921€13k-
The notes to these accounts (14 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
14-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €36k ▲177%
Operating result €50k, net result €36k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-31k ▼390%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-11
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
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, Zaventem · 1 establishment unit since 1999
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.
Kerkplein 151930 ZaventemGround area
222 m²
Building footprint
175 m²
Parcel 23772C0476/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
DITS DELICATESSEN DE LAERE
since 19992.092.395.314
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0476/00K000 | Flanders | 222 m² | 1 · 175 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 4 entries · 6,675 EUR awarded · 6,675 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 1,800 EUR |
| 2023 | 2 | 5,227 EUR | 3,427 EUR |
| 2022 | 1 | 1,448 EUR | 1,448 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
1 siteZaventem2.092.395.314
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Of 2,475 companies in sector 47279 we hold annual accounts for 948. 783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-1999
Fiscal year end30-06
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
52272
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.