L.I.A. · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of L.I.A. is 0.5% (very low). The 2025 annual accounts show equity of €41k and a net result of €353. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 1161 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

3 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.5% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€353-96.6%

Working capital€8k-23.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~25.2%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	25.6%	55.2%	better than 27% of 1161 sector peers
Net result	€353	€24k	better than 15% of 1160 sector peers
Equity	€41k	€51k	better than 43% of 1161 sector peers
Gross operating margin	€13k	€44k	better than 20% of 1160 sector peers
Staff costs	€0	€14k	higher than 5% of 178 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P27

Improving position over 2020-2025 · n=407-3379

Net result P15

Stable position over 2020-2025 · n=407-3379

Equity P43

Stable position over 2020-2025 · n=407-3381

Gross operating margin P20

Stable position over 2020-2025 · n=406-3376

Describes the position versus peers, not a forecast.

EBITDA

€11k

-55.3% -91% vs sector

Net profit

€353

-96.6% -99% vs sector

Cash flow

€9k

-56.1% -92% vs sector

Total assets

€160k

-3.7% -85% vs sector

Equity

€41k

+0.9% -96% vs sector

Working capital

€8k

-23.6% -98% vs sector

Employees (FTE)

1

+12.5% -72% vs sector

Staff costs

€0

-100.0% -100% vs sector

Income taxes

€817

-77.0% -97% vs sector

Dividends

€0

-100.0% -100% vs sector

Debt

€119k

-5.2% -29% vs sector

Debt ≤ 1y

€46k

-0.5% -62% vs sector

Debt > 1y

€72k

-8.1% +100% vs sector

Current ratio

1.17

-4.2% -70% vs sector

Quick ratio

1.17

-4.2% -70% vs sector

Solvency

25.6%

+4.7% -70% vs sector

Debt / equity

2.91

-6.0% far above sector median

ROE

0.9%

-96.7% -88% vs sector

ROA

0.2%

-96.5% -96% vs sector

Interest coverage

6.21

-50.3% -56% vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€11k
Net profit	€353
Cash flow	€9k
Staff costs	€0
Income taxes	€817
Dividends	-
Total assets	€160k
Equity	€41k
Debt	€119k
of which ≤ 1y	€46k
of which > 1y	€72k
Working capital	€8k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.17
Quick ratio	1.17
Working capital ratio	4.9%
Solvency	25.6%
Debt / equity	2.91
Long-term debt ratio	1.74
Interest coverage	6.21
Gross margin	-
Net margin	-
ROA	0.2%
ROE	0.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €107k · 66.5% Current assets €54k · 33.5%

Equity & liabilities

Equity €41k · 25.6% Debt €119k · 74.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€160k
Fixed assets	21/28	€107k
Intangible fixed assets	21	€180
Tangible fixed assets	22/27	€106k
Current assets	29/58	€54k
Amounts receivable within one year	40/41	€11k
Cash & bank	54/58	€41k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€160k
Equity	10/15	€41k
Contributions / capital	10/11	€19k
Reserves	13	€22k
Amounts payable	17/49	€119k
Amounts payable after one year	17	€72k
Amounts payable within one year	42/48	€46k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€13k
Operating result	9901	€3k
Financial charges	65	€2k
Result before taxes	9903	€1k
Income taxes	67/77	€817
Net result for the period	9904	€353
Result to be appropriated	9905	€353

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

71 / 100 Healthy

050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

L.I.A.

Godveerdegemstraat 101a, 9620 ZottegemHandelsbemiddeling in de niet-gespecialiseerde groothandel

since 20182.280.117.731

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area457 m²

Buildings1

Building footprint169 m²

Volume (LiDAR)1,259 m³

Tallest building15.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)