L.B.H.I.
ActiveSummary
L.B.H.I. has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €33k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-1
Solvency47▼-23
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 3.51 in 2024; short-term debt: 41.6% and cash: 43.4% of total assets), but 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
22.2%
Return on assets
10.8%
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d late
2023
on the day
2022
1 d late
2021
on the day
2020
62 d early
2019
59 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€68k▼ 49.5%
2024 · €135k
2019: €104k
2020: €125k
2021: €146k
2022: €71k
2023: €101k
2024: €135k
2019 → 2025
Total assets
€308k▲ 1.7%
2024 · €303k
2019: €331k
2020: €248k
2021: €271k
2022: €296k
2023: €245k
2024: €303k
2019 → 2025
Net result
€33k▼ 2.6%
2024 · €34k
2019: €30k
2020: €21k
2021: €21k
2022: €25k
2023: €30k
2024: €34k
2019 → 2025
Working capital
€115k▼ 20.5%
2024 · €144k
2019: €-78k
2020: €62k
2021: €103k
2022: €48k
2023: €97k
2024: €144k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€71k▼ 51.2%€101k▲ 41.7%€135k▲ 33.7%€68k▼ 49.5%
Operating result€31k-€36k▲ 14.0%€43k▲ 22.1%€52k▲ 19.5%€50k▼ 4.1%
Net result€21k-€25k▲ 19.1%€30k▲ 18.4%€34k▲ 14.4%€33k▼ 2.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€65k ▼ 35.7%
Current assets
€243k ▲ 20.5%
Equity and liabilities €308k
Equity
€68k ▼ 49.5%
Debt
€239k ▲ 43.0%
Debt's share of the balance-sheet total rises from 55.4% to 77.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€67k▼
2024 · €72k
Cash flow
€50k▼
2024 · €55k
Current ratio
1.89▼
2024 · 3.51
Debt to equity
3.51▲
2024 · 1.24
ROE
48.6%▲
2024 · 25.2%
ROA
10.8%▼
2024 · 11.2%
Interest coverage
8.82▼
2024 · 9.47
Debt ≤ 1 year
€128k▲
2024 · €57k
Debt > 1 year
€100k=
2024 · €100k
Income taxes
€12k▼
2024 · €12k
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 · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€303k€308k▲
Fixed assets21/28€101k€65k▼
Tangible fixed assets22/27€101k€65k▼
Land and buildings22€100k€64k▼
Furniture and vehicles24€1k€639▼
Current assets29/58€201k€243k▲
Amounts receivable within one year40/41€105k€103k▼
Trade receivables40€2k€5k▲
Other amounts receivable41€103k€98k▼
Cash at bank and in hand54/58€94k€134k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€303k€308k▲
Equity10/15€135k€68k▼
Contributions10/11€25k€25k=
Reserves13€15k€15k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€96k€29k▼
Amounts payable17/49€168k€239k▲
Amounts payable after more than one year17€100k€100k=
Other amounts payable178/9€100k€100k=
Amounts payable within one year42/48€57k€128k▲
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€43k€117k▲
Accrued charges and deferred income492/3€10k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€17k▼
Other operating charges640/8€1k€641▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€74k€75k▲
Operating profit (loss)9901€52k€50k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€46k€45k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€34k€33k▼
Profit (loss) for the period to be appropriated9905€34k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€129k▲
Profit (loss) brought forward from the previous period14P€62k€96k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (8 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Highest result since 2019net €34k ▲14.4%
Operating result €52k, net result €34k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Liquidity triplescurrent ratio 3.76
Current ratio from 1.42 to 3.76; short-term debt falls from €114k to €35k.
30-06
Financial
Equity above €100kEq €101k ▲41.7%
5 profitable years in a row build equity to €101k.
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €21k ▼0.7%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Liquidity times 8current ratio 5.43
Current ratio from 0.64 to 5.43; short-term debt falls from €218k to €14k.
2019
03-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
04-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-11
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
4 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, Sint-Martens-Latem · 1 establishment unit since 2001
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.
Kapitteldreef 429830 Sint-Martens-LatemGround area
2,529 m²
Building footprint
259 m²
Volume, LiDAR
1,398 m³
Parcel 44064B0018/00N003, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kapitteldreef 42, 9830 Sint-Martens-Latem
since 20012.095.259.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0018/00N003 | Flanders | 2,528 m² | 1 · 259 m² | 12.2 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.
Similar companies · same sector, comparable size
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JS Wonen
BE 0770.341.930
Waasmunster · Eq €67,961
BELAMCO
BE 0429.930.229
Blankenberge · Eq €68,573
CONSULTIMM
BE 0652.617.879
Brasschaat · Eq €68,631
LANDCOM
BE 0644.676.648
Nazareth-De Pinte · Eq €68,988
Of 3,768 companies in sector 68321 we hold annual accounts for 1,391. 940 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
Founded23-03-2001
Fiscal year end30-06
Activities, NACEBEL 2025
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.