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L.E.F.

Active
Private limited companyfounded 199333 yrs activeCraenendonck 1, 3000 Leuven, BelgiumKBO/BCE: BE 0449.678.835
Summary

L.E.F. has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80,263 and a net result of -€29,953. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 13458 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
L.E.F.ActiveChecked score 66/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of clothing, excluding workwear and underwear
NACE 46423Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 51421
2 sites
Size
€284,966total assets 2025
Staff
2 FTE
Equity
€80,263
Loss
-€29,953
Turnover not published (abridged schema)
Financial health
66 Healthy Checked score 2025
Bankruptcy chance 12 m
0.8%
Structure
Accounts 45 d early0 of 1 deed read
Why 66- Loss of €29,953 (FY 2025)- Liquidity: current ratio 1.15, cash €460, halved+ Founded in 1993+ Size: total assets €284,966Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 23% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 53-8
equity 28.2% of total assets
Liquidity 27-5
short-term debt 47.1% · cash 0.2%
Profitability 6-33
return on assets -10.5%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.3%lowest value 12-2024: 0.3%● 0.0% vs 11-2024lowest value 01-2025: 0.3%● 0.0% vs 12-2024lowest value 02-2025: 0.3%● 0.0% vs 01-2025lowest value 03-2025: 0.3%● 0.0% vs 02-2025lowest value 04-2025: 0.3%▲ +9.8% vs 03-2025 05-2025: 0.3%▼ -0.7% vs 04-2025 06-2025: 0.3%▼ -5.1% vs 05-2025 07-2025: 0.3%▲ +32.3% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%▼ -2.3% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▼ -0.3% vs 03-2026 05-2026: 0.3%▲ +0.9% vs 04-2026 06-2026: 0.3%▼ -2.3% vs 05-2026 07-2026: 0.8%▲ +149% vs 06-2026highest value 08-2026: 0.8%● 0.0% vs 07-2026highest value 09-2026: 0.8%● 0.0% vs 08-2026highest value 10-2026: 0.8%● 0.0% vs 09-2026highest value
  • Loss of €29,953 (FY 2025) raises the probability
  • Founded in 1993 lowers the probability for this profile
  • Size: total assets €284,966 lowers the probability for this profile
  • Liquidity: current ratio 1.15, cash €460, halved raises the probability
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.23 in 2024; short-term debt: 47.1% and cash: 0.2% of total assets), and 71.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 38%, liquidity 25%, profitability 14%, growth against the median 16%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €29,953 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1993
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €284,966
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.15, cash €460, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 d early
2024
37 d early
2023
44 d early
2023
126 d early
2022
25 d early
2021
37 d late
2020
25 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 31 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 18 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€29,953
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Caution: Among the weakest 9% on net resultsector median €5,579 · 13,466 companies -€29,953 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View
  • Active since 1993founded 23-03-1993 33 years View

By topic

Financials

Fiscal year
2025
Total assets
€284,966
Loss
-€29,953
Solvency
28.2%
Total assets▼ 6.8%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 16-06-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 24-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Wholesale of clothing, excluding workwear and underwearNACE 46423
Founded
23-03-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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