ET. LALOUX
ActiveET. LALOUX has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €890k and a net result of €106k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 501 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
72
/ 100
Healthy▼ -28 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▲+9
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 9.64 in 2023), and 33.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
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
66.2%
Return on assets
7.9%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
29 d late
2022
32 d late
2021
153 d late
2020
152 d late
2019
101 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€890k▼ 18.9%
2023 · €1.10M
2018: €634k
2019: €745k
2020: €759k
2021: €891k
2022: €986k
2023: €1.10M
2018 → 2024
Total assets
€1.35M▲ 10.5%
2023 · €1.22M
2018: €738k
2019: €807k
2020: €869k
2021: €1.00M
2022: €1.11M
2023: €1.22M
2018 → 2024
Net result
€106k▼ 4.5%
2023 · €111k
2018: €122k
2019: €112k
2020: €99k
2021: €132k
2022: €95k
2023: €111k
2018 → 2024
Working capital
€852k▼ 18.1%
2023 · €1.04M
2018: €614k
2019: €730k
2020: €666k
2021: €801k
2022: €913k
2023: €1.04M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€759k-€891k▲ 17.3%€986k▲ 10.7%€1.10M▲ 11.3%€890k▼ 18.9%
Operating result€137k-€186k▲ 35.2%€133k▼ 28.6%€156k▲ 17.9%€108k▼ 30.7%
Net result€99k-€132k▲ 33.1%€95k▼ 27.9%€111k▲ 17.2%€106k▼ 4.5%
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 31% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.35M
Fixed assets
€38k▼ 32.5%
Current assets
€1.31M▲ 12.6%
Equity and liabilities €1.35M
Equity
€890k▼ 18.9%
Debt
€455k▲ 278%
The debt ratio rises from 9.9% to 33.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€127k▼
2023 · €174k
Cash flow
€124k▼
2023 · €129k
Solvency
66.2%▼
2023 · 90.1%
Current ratio
2.87▼
2023 · 9.64
Quick ratio
2.73▼
2023 · 9.21
Debt / equity
0.51▲
2023 · 0.11
ROE
11.9%▲
2023 · 10.1%
ROA
7.9%▼
2023 · 9.1%
Interest coverage
-99.67▼
2023 · 110.25
Debt
€455k▲
2023 · €120k
Debt ≤ 1 year
€455k▲
2023 · €120k
Income taxes
€35k▼
2023 · €46k
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€1.22M€1.35M▲
Fixed assets21/28€56k€38k▼
Tangible fixed assets22/27€56k€38k▼
Land and buildings22€20k€19k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€33k€16k▼
Financial fixed assets28€172€172=
Current assets29/58€1.16M€1.31M▲
Stocks and contracts in progress3€52k€64k▲
Stocks30/36€36k€54k▲
Contracts in progress37€16k€10k▼
Amounts receivable within one year40/41€29k€31k▲
Trade receivables40€29k€17k▼
Other amounts receivable41€163€15k▲
Current investments50/53€798k€800k▲
Cash at bank and in hand54/58€278k€408k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.35M▲
Equity10/15€1.10M€890k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.03M€828k▼
Non-distributable reserves130/1€10k€6k▼
Legal reserve130€10k€6k▼
Distributable reserves133€1.03M€822k▼
Amounts payable17/49€120k€455k▲
Amounts payable within one year42/48€120k€455k▲
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Advances received on contracts in progress46€94k€141k▲
Taxes, remuneration and social security45€15k€5k▼
Taxes450/3€12k€5k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€4k€302k▲
Accrued charges and deferred income492/3-€84
Income statement
Code20232024
Remuneration, social security and pensions62€-2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€6k€9k▲
Gross operating margin9900€178k€135k▼
Operating profit (loss)9901€156k€108k▼
Financial income75/76B€2k€31k▲
Recurring financial income75€2k€31k▲
Financial charges65/66B€2k€-1k▼
Recurring financial charges65€2k€-1k▼
Profit (loss) for the period before taxes9903€157k€141k▼
Income taxes67/77€46k€35k▼
Profit (loss) for the period9904€111k€106k▼
Profit (loss) for the period to be appropriated9905€111k€106k▼
Appropriation of the result
Profit (loss) to be appropriated9906€157k€106k▼
Profit (loss) brought forward from the previous period14P€46k-
Transfer from equity791/2-€313k
Transfer to equity691/2€157k€106k▼
To other reserves6921€157k€106k▼
Profit to be distributed694/7-€313k
Return on contributions (dividend)694-€313k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €1MEq €1.10M ▲11.3%
6 profitable years in a row build equity to €1.10M.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €95k ▼27.9%
Net result drops to €95k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
31-12
Financial
Highest result since 2018net €132k ▲33.1%
Operating result €186k, net result €132k, both a record.
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 152 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
2016
17-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Namur · 1 establishment unit since 1989
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.
Chaussée de Waterloo(SS) 4045002 NamurGround area
691 m²
Building footprint
257 m²
Volume, LiDAR
2,213 m³
2 parcels, Wallonia · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ET. LALOUX
since 19892.042.729.235
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0387/00G020 | Wallonia | 365 m² | 1 · 113 m² | 6.9 m · 2 fl. |
| 92094A0130/00R000 | Wallonia | 326 m² | 1 · 144 m² | 12.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 736 companies in sector 23700 we hold annual accounts for 489. 357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-12-1988
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
26700
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.
General meetings
2 convocationsExtraordinary general meeting
Agenda
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. (Her)Benoemingen. Divers. (AOPC11103652/29.06) (27454) HOF TEN WIJNGAERDE, naamloze vennootschap Zetel : te 8000 Brugge, Wijngaardstraat 7-9 Ondernemingsnummer 0432.841.714 De aandeelhouders worden uitgenodigd op de gewone en de daar- opvolgende buitengewone algemene vergadering, die zullen gehouden worden op 14 juli 2011, om 14 uur, te 8000 Brugge, Duinenabdijstraat 13, met volgende agenda : 1) Verslag van de raad van bestuur. Goedkeu- ring van de jaarrekening met betrekking tot het boekjaar afgesloten op 31 december 2010. Bestemming van het resultaat. 2) Kwijting aan de leden van de raad van bestuur. 3) Vers ...
General meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. Divers. (AOPC-1-8-07127/ 03.06)