IAN LESSER
ActiveIAN LESSER has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €94k. Its solvency ranks better than 72% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+47
Growth52
Track record82
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity ample (current ratio 4.07 against 1.39 in 2024; short-term debt: 24.5% and cash: 3.7% of total assets), and 24.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
75.5%
Return on assets
45.3%
Age of the figures
9 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 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
on the day
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 150%
2024 · €63k
2024: €63k
2024 → 2025
Total assets
€208k▼ 6.2%
2024 · €221k
2024: €221k
2024 → 2025
Net result
€94k▼ 48.3%
2024 · €182k
2024: €182k
2024 → 2025
Working capital
€156k▲ 154%
2024 · €61k
2024: €61k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€63k-€157k▲ 150%
Operating result€233k-€121k▼ 48.2%
Net result€182k-€94k▼ 48.3%
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 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€899▼ 34.6%
Current assets
€207k▼ 6.0%
Equity and liabilities €208k
Equity
€157k▲ 150%
Debt
€51k▼ 68.0%
The debt ratio falls from 71.7% to 24.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€121k▼
2024 · €233k
Cash flow
€95k▼
2024 · €182k
Solvency
75.5%▲
2024 · 28.3%
Current ratio
4.07▲
2024 · 1.39
Quick ratio
4.07▲
2024 · 1.39
Debt / equity
0.32▼
2024 · 2.53
ROE
60.0%▼
2024 · 290.5%
ROA
45.3%▼
2024 · 82.3%
Interest coverage
16.70▼
2024 · 71.70
Debt
€51k▼
2024 · €159k
Debt ≤ 1 year
€51k▼
2024 · €159k
Income taxes
€27k▼
2024 · €54k
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€221k€208k▼
Fixed assets21/28€1k€899▼
Tangible fixed assets22/27€1k€899▼
Plant, machinery and equipment23€1k€899▼
Current assets29/58€220k€207k▼
Amounts receivable within one year40/41€110k€195k▲
Trade receivables40€23k-
Other amounts receivable41€87k€195k▲
Cash at bank and in hand54/58€104k€8k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€221k€208k▼
Equity10/15€63k€157k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€58k€152k▲
Amounts payable17/49€159k€51k▼
Amounts payable within one year42/48€159k€51k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€70k€50k▼
Taxes450/3€70k€50k▼
Other amounts payable47/48€87k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51€475▲
Other operating charges640/8€50-
Gross operating margin9900€233k€121k▼
Operating profit (loss)9901€233k€121k▼
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€237k€121k▼
Income taxes67/77€54k€27k▼
Profit (loss) for the period9904€182k€94k▼
Profit (loss) for the period to be appropriated9905€182k€94k▼
Appropriation of the result
Profit (loss) to be appropriated9906€182k€152k▼
Profit (loss) brought forward from the previous period14P-€58k
Profit to be distributed694/7€125k-
Return on contributions (dividend)694€125k-
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 4.07
Current ratio from 1.39 to 4.07; short-term debt falls from €159k to €51k.
31-12
Financial
Equity above €150kEq €157k ▲150%
2 profitable years in a row build equity to €157k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Tervuren · 1 establishment unit since 2024
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.
Boterstraat 183080 TervurenGround area
1,436 m²
Building footprint
198 m²
Volume, LiDAR
1,076 m³
Parcel 24114B0157/00D000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boterstraat 18, 3080 Tervuren
since 20242.359.723.354
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114B0157/00D000 | Flanders | 1,436 m² | 1 · 198 m² | 8.7 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.
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CREATICAL
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,423 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2024
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.