Summary
GROUP LISENS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €3.21M and a net result of €-32k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 57% of 2777 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
30 d late
2022
34 d early
2021
22 d early
2020
16 d late
2019
11 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€3.21M▼ 1.0%
2023 · €3.24M
2018: €2.20M
2019: €3.13M
2020: €3.75M
2021: €3.17M
2022: €3.20M
2023: €3.24M
2018 → 2024
Net result
€-32k
2023 · €33k
2018: €33k
2019: €956k
2020: €612k
2021: €427k
2022: €30k
2023: €33k
2018 → 2024
Total assets
€4.89M▲ 5.1%
2023 · €4.65M
2018: €4.52M
2019: €4.49M
2020: €4.68M
2021: €4.51M
2022: €4.58M
2023: €4.65M
2018 → 2024
Solvency
65.5%▼ 4.0pp
2023 · 69.6%
2018: 48.7%
2019: 69.8%
2020: 80.1%
2021: 70.3%
2022: 69.9%
2023: 69.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€552k-€506k▼ 8.4%€640k▲ 26.5%€721k▲ 12.7%€459k▼ 36.4%
Equity€3.75M-€3.17M▼ 15.3%€3.20M▲ 0.9%€3.24M▲ 1.0%€3.21M▼ 1.0%
Operating result€182k-€63k▼ 65.4%€102k▲ 62.2%€122k▲ 18.9%€58k▼ 52.2%
Net result€612k-€427k▼ 30.3%€30k▼ 93.0%€33k▲ 12.4%€-32k
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 52% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.89M
Fixed assets
€4.25M ▼ 0.1%
Current assets
€643k ▲ 59.8%
Equity and liabilities €4.89M
Equity
€3.21M ▼ 1.0%
Debt
€1.69M ▲ 19.0%
Debt's share of the balance-sheet total rises from 30.4% to 34.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.0%▼
2023 · 1.0%
ROA
-0.6%▼
2023 · 0.7%
Debt ≤ 1 year
€980k▼
2023 · €983k
Debt > 1 year
€635k▲
2023 · €384k
Income taxes
€828▼
2023 · €20k
Staff costs
€263k▼
2023 · €426k
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 · 2024 against 2023 · 61 lines
Balance sheet
Code20232024
Assets
Total assets20/58€4.65M€4.89M▲
Fixed assets21/28€4.25M€4.25M▼
Tangible fixed assets22/27€3k€0▼
Furniture and vehicles24€3k€0▼
Financial fixed assets28€4.25M€4.25M=
Affiliated companies280/1€4.25M€4.25M=
Participating interests280€4.25M€4.25M=
Current assets29/58€402k€643k▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€335k€568k▲
Trade receivables40€322k€277k▼
Other amounts receivable41€14k€291k▲
Cash at bank and in hand54/58€65k€74k▲
Deferred charges and accrued income490/1€1k€614▼
Equity and liabilities
Total equity and liabilities10/49€4.65M€4.89M▲
Equity10/15€3.24M€3.21M▼
Contributions10/11€916k€916k=
Reserves13€2.32M€2.29M▼
Distributable reserves133€2.32M€2.29M▼
Amounts payable17/49€1.42M€1.69M▲
Amounts payable after more than one year17€384k€635k▲
Other amounts payable178/9€384k€635k▲
Amounts payable within one year42/48€983k€980k▼
Financial debts43€6k€6k=
Credit institutions430/8€6k€6k=
Trade debts44€23k€36k▲
Suppliers440/4€23k€36k▲
Taxes, remuneration and social security45€118k€70k▼
Taxes450/3€56k€31k▼
Remuneration and social security454/9€62k€39k▼
Other amounts payable47/48€834k€867k▲
Accrued charges and deferred income492/3€50k€72k▲
Income statement
Code20232024
Operating income70/76A€769k€501k▼
Turnover70€721k€459k▼
Other operating income74€32k€42k▲
Non-recurring operating income76A€15k€0▼
Operating charges60/66A€647k€443k▼
Services and other goods61€215k€175k▼
Remuneration, social security and pensions62€426k€263k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€2k€2k▲
Operating profit (loss)9901€122k€58k▼
Financial income75/76B€15€2k▲
Recurring financial income75€15€2k▲
Other financial income752/9€15€2k▲
Financial charges65/66B€68k€91k▲
Recurring financial charges65€68k€91k▲
Debt charges650€68k€91k▲
Other financial charges652/9-€126
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€54k€-31k▼
Income taxes67/77€20k€828▼
Taxes670/3€20k€828▼
Profit (loss) for the period9904€33k€-32k▼
Profit (loss) for the period to be appropriated9905€33k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€-32k▼
Transfer from equity791/2-€32k
From reserves792-€32k
Transfer to equity691/2€33k€0▼
To other reserves6921€33k€0▼
Social balance
Average headcount (FTE)90874.73.1▼
The notes to these accounts (38 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 · full schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €-32k ▼194%
Net result drops to €-32k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
31-12
Financial
Liquidity times 7current ratio 2.91
Current ratio from 0.43 to 2.91; short-term debt falls from €438k to €134k.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 11 days late
2019
31-12
Financial
Highest result since 2018net €956k ▲2765%
Operating result €273k, net result €956k, both a record.
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 2016
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.
Albertkanaalstraat 1793511 HasseltGround area
2.4 ha
Building footprint
1,054 m²
Parcel 71032A0280/00D002, Flanders. Linked by address, not a title deed.
1 establishment unit
GROUP LISENS
since 20162.260.298.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032A0280/00D002 | Flanders | 2.4 ha | 1 · 1,054 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 2025 · 4 entries · 911 EUR awarded · 911 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 620 EUR | 665 EUR |
| 2024 | 1 | 45 EUR | 0 EUR |
| 2023 | 1 | 0 EUR | 81 EUR |
| 2022 | 1 | 246 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
DE BACKER MANAGEMENT
BE 0678.883.895
Ravels · Eq €3,206,959
BELVEN GROUP
BE 0716.928.681
Mechelen · Eq €3,204,065
Aphilion IM
BE 0466.964.829
Brussel · Eq €3,207,307
DESOMER ERIC
BE 0477.000.270
Sint-Pieters-Woluwe · Eq €3,208,212
De Keuvel
BE 0875.226.545
Knokke-Heist · Eq €3,201,500
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,504 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
Founded22-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.