L-SAVER
ActiveSummary
The annual accounts of L-SAVER for fiscal year 2024 show a net loss of 58% of total assets. The 2024 annual accounts show equity of €68k and a net result of €-41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 37953 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 16.4 against 34.75 in 2023; short-term debt: 5.2% and cash: 60.6% of total assets), and 5.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
94.8%
Return on assets
-57.5%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
2021222324
2020 to 2024 · latest year €-41k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
30 d early
2022
27 d early
2021
33 d early
2020
32 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€68k▼ 37.8%
2023 · €109k
Total assets
€72k▼ 35.9%
2023 · €112k
Net result
€-41k▼ 67.5%
2023 · €-25k
Working capital
€57k▼ 37.5%
2023 · €91k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€53k-€64k▲ 21.4%€70k▲ 9.1%€-25k€-41k▼ 67.7%
Net result€38k-€46k▲ 20.0%€51k▲ 11.1%€-25k€-41k▼ 67.5%
Equity€38k-€84k▲ 117%€134k▲ 60.1%€109k▼ 18.4%€68k▼ 37.8%
Total assets€61k-€115k▲ 86.9%€160k▲ 39.1%€112k▼ 30.0%€72k▼ 35.9%
Debt€23k-€31k▲ 36.0%€26k▼ 17.0%€3k▼ 89.6%€4k▲ 37.1%
Working capital€36k-€81k▲ 126%€131k▲ 61.3%€91k▼ 30.3%€57k▼ 37.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2024 against €25k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €72k
Fixed assets
€11k ▼ 39.3%
Current assets
€61k ▼ 35.3%
Equity and liabilities €72k
Equity
€68k ▼ 37.8%
Debt
€4k ▲ 37.1%
Debt's share of the balance-sheet total rises from 2.4% to 5.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-34k▼
2023 · €-22k
Cash flow
€-34k▼
2023 · €-22k
Current ratio
16.40▼
2023 · 34.75
Debt to equity
0.05▲
2023 · 0.02
ROE
-60.7%▼
2023 · -22.5%
ROA
-57.5%▼
2023 · -22.0%
Interest coverage
-69.58▼
2023 · -37.05
Debt ≤ 1 year
€4k▲
2023 · €3k
Income taxes
€128▲
2023 · €26
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €934 | €735 | €3k | €7k | ▲ 162% |
| Other operating charges640/8 | - | - | €348 | €665 | €581 | ▼ 12.6% |
| Non-recurring operating charges66A | - | - | €169 | - | - | - |
| Gross operating margin9900 | €55k | €65k | €71k | €-21k | €-34k | ▼ 58.3% |
| Operating profit (loss)9901 | €53k | €64k | €70k | €-25k | €-41k | ▼ 67.7% |
| Financial income75/76B | - | €0 | - | €558 | €572 | ▲ 2.6% |
| Recurring financial income75 | - | €0 | - | €558 | €572 | ▲ 2.6% |
| Financial charges65/66B | - | €763 | €328 | €590 | €491 | ▼ 16.8% |
| Recurring financial charges65 | €847 | €763 | €328 | €590 | €491 | ▼ 16.8% |
| Profit (loss) for the period before taxes9903 | €52k | €63k | €69k | €-25k | €-41k | ▼ 67.2% |
| Income taxes67/77 | €14k | €17k | €18k | €26 | €128 | ▲ 392% |
| Profit (loss) for the period9904 | €38k | €46k | €51k | €-25k | €-41k | ▼ 67.5% |
| Profit (loss) for the period to be appropriated9905 | €38k | €46k | €51k | €-25k | €-41k | ▼ 67.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €61k | €115k | €160k | €112k | €72k | ▼ 35.9% |
| Fixed assets21/28 | €3k | €2k | €3k | €18k | €11k | ▼ 39.3% |
| Tangible fixed assets22/27 | €3k | €2k | €3k | €18k | €11k | ▼ 39.3% |
| Furniture and vehicles24 | - | €2k | €3k | €18k | €11k | ▼ 39.3% |
| Current assets29/58 | €58k | €113k | €157k | €94k | €61k | ▼ 35.3% |
| Amounts receivable within one year40/41 | €17k | €23k | €27k | €13k | €15k | ▲ 11.3% |
| Trade receivables40 | - | €23k | €27k | - | €2k | - |
| Other amounts receivable41 | - | - | - | €13k | €13k | ▼ 0.2% |
| Cash at bank and in hand54/58 | €39k | €89k | €130k | €81k | €43k | ▼ 46.3% |
| Deferred charges and accrued income490/1 | - | - | - | €183 | €3k | ▲ 1,473% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €61k | €115k | €160k | €112k | €72k | ▼ 35.9% |
| Equity10/15 | €38k | €84k | €134k | €109k | €68k | ▼ 37.8% |
| Contributions10/11 | - | €1k | €1k | €1k | €1k | = |
| Reserves13 | €28k | €74k | €119k | €119k | €119k | = |
| Distributable reserves133 | - | €74k | €119k | €119k | €119k | = |
| Profit (loss) carried forward14 | €9k | €9k | €14k | €-10k | €-52k | ▼ 395% |
| Amounts payable17/49 | €23k | €31k | €26k | €3k | €4k | ▲ 37.1% |
| Amounts payable within one year42/48 | €22k | €31k | €26k | €3k | €4k | ▲ 37.1% |
| Trade debts44 | €932 | €990 | €2k | €879 | €962 | ▲ 9.4% |
| Suppliers440/4 | - | €990 | €2k | €879 | €962 | ▲ 9.4% |
| Taxes, remuneration and social security45 | - | €27k | €17k | €2k | €46 | ▼ 97.1% |
| Taxes450/3 | - | €27k | €17k | €2k | €46 | ▼ 97.1% |
| Other amounts payable47/48 | - | €3k | €6k | €249 | €3k | ▲ 983% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €46k | €51k | €-25k | €-41k | ▼ 67.5% |
| + Depreciation and write-downs630 | €2k | €934 | €735 | €3k | €7k | ▲ 162% |
| Operating cash flow (approximation) | €40k | €47k | €52k | €-22k | €-34k | ▼ 55.9% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €-18k | €0 | ▲ 100% |
| Change in cash | - | €51k | €41k | €-49k | €-37k | ▲ 24.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 6current ratio 34.75
Current ratio from 6.04 to 34.75; short-term debt falls from €26k to €3k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €51k ▲11.1%
Operating result €70k, net result €51k, both a record.
31-12
Financial
Equity above €100kEq €134k ▲60.1%
3 profitable years in a row build equity to €134k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2019
Ground area
547 m²
Building footprint
68 m²
Volume, LiDAR
507 m³
Parcel 23412I0229/02C000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L-SAVER
since 20192.294.894.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23412I0229/02C000 | Flanders | 547 m² | 1 · 68 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
2024 to 2025 · 2 entries · 1,296 EUR awarded · 1,296 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 279 EUR | 279 EUR |
| 2024 | 1 | 1,017 EUR | 1,017 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 39,540 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
85699Other educational support services
Scores and ratios are computed by Checked and are not a credit decision.