LA PREVOYANCE FUNERAIRE
ActiveLA PREVOYANCE FUNERAIRE has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €148k. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+9
Solvency33▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 9.26 against 9.08 in 2024; short-term debt: 6.4% and cash: 0.7% of total assets), but 91.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
Sector 70
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
8.5%
Return on assets
9.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 14%
← weakest
strongest →
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
31 d early
2023
42 d early
2022
4 d early
2021
2 d early
2020
33 d early
2019
17 d late
← 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, abbreviated schema
Turnover
€810k
EBIT margin
2.0%
Net result
€148k▲ 478%
2024 · €26k
2018: €-3k
2019: €37k
2020: €7k
2021: €16k
2022: €10k
2023: €55k
2024: €26k
2018 → 2025
Working capital
€841k▼ 9.8%
2024 · €932k
2018: €-2k
2019: €63k
2020: €88k
2021: €119k
2022: €117k
2023: €104k
2024: €932k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€810k
Equity€57k-€67k▲ 17.3%€122k▲ 82.7%€112k▼ 8.2%€135k▲ 20.5%
Operating result€-68k-€16k€41k▲ 157%€22k▼ 45.9%€128k▲ 472%
Net result€16k-€10k▼ 36.9%€55k▲ 460%€26k▼ 53.6%€148k▲ 478%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 472% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.60M
Fixed assets
€655k▼ 7.9%
Current assets
€942k▼ 10.0%
Equity and liabilities €1.60M
Equity
€135k▲ 20.5%
Debt
€1.46M▼ 11.2%
The debt ratio falls from 93.6% to 91.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€184k▲
2024 · €79k
Cash flow
€204k▲
2024 · €82k
Solvency
8.5%▲
2024 · 6.4%
Current ratio
9.26▲
2024 · 9.08
Quick ratio
9.26▲
2024 · 9.08
Debt / equity
10.82▼
2024 · 14.68
ROE
109.8%▲
2024 · 22.9%
ROA
9.3%▲
2024 · 1.5%
Interest coverage
72.75▲
2024 · 13.09
Debt
€1.46M▼
2024 · €1.65M
Debt ≤ 1 year
€102k▼
2024 · €115k
Debt > 1 year
€1.36M▼
2024 · €1.53M
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€1.76M€1.60M▼
Fixed assets21/28€711k€655k▼
Intangible fixed assets21€681k€632k▼
Tangible fixed assets22/27€30k€23k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Other tangible fixed assets26€30k€23k▼
Financial fixed assets28€319€0▼
Current assets29/58€1.05M€942k▼
Amounts receivable after more than one year29€947k€908k▼
Other amounts receivable291€947k€908k▼
Amounts receivable within one year40/41€62k€23k▼
Trade receivables40€20k€22k▲
Other amounts receivable41€42k€691▼
Cash at bank and in hand54/58€38k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.60M▼
Equity10/15€112k€135k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€104k€127k▲
Amounts payable17/49€1.65M€1.46M▼
Amounts payable after more than one year17€1.53M€1.36M▼
Financial debts170/4€71k€34k▼
Advances received on contracts in progress176€1.46M€1.33M▼
Amounts payable within one year42/48€115k€102k▼
Current portion of amounts payable after more than one year42€52k€38k▼
Financial debts43-€16k
Credit institutions430/8-€16k
Trade debts44€28k€29k▲
Suppliers440/4€28k€29k▲
Taxes, remuneration and social security45€0€18k▲
Taxes450/3€0€18k▲
Other amounts payable47/48€36k-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€56k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€300€1k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€81k€187k▲
Operating profit (loss)9901€22k€128k▲
Financial income75/76B€17k€23k▲
Recurring financial income75€17k€23k▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€33k€148k▲
Income taxes67/77€8k-
Profit (loss) for the period9904€26k€148k▲
Transfer to tax-exempt reserves689-€39k
Profit (loss) for the period to be appropriated9905€26k€110k▲
Appropriation of the result
Profit (loss) to be appropriated9906€140k€214k▲
Profit (loss) brought forward from the previous period14P€114k€104k▼
Profit to be distributed694/7€36k€87k▲
Return on contributions (dividend)694€36k€87k▲
The notes to these accounts (13 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €148k ▲478%
Operating result €128k, net result €148k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity times 6current ratio 9.08
Current ratio from 1.42 to 9.08; short-term debt falls from €246k to €115k.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €100kEq €122k ▲82.7%
5 profitable years in a row build equity to €122k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ukkel · 2 establishment units since 1988
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.
Stillelaan 571180 UkkelGround area
1,043 m²
Building footprint
263 m²
Volume, LiDAR
1,949 m³
2 parcels, Brussels · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
LA PRÉVOYANCE FUNÉRAIRE (LPF) / SOCIÉTÉ BRUXELLOISE DE CRÉMATION (SBC) / BRABANTSE UITVAART MAATSCHAPPIJ (BUM) / SOCIÉTÉ GÉNÉRALE DE CRÉMATION (SGC)
since 19882.037.873.790
FUNÉRAILLES MICHEL (FMI) / SOCIÉTÉ MONTOISE DE CRÉMATION (SMC) / SOCIÉTÉ NAMUROISE DE CRÉMATION (SNC) / VLAAMSE CREMATIE MAATSCHAPPIJ (VCM)
since 20192.289.754.185
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614F0083/00Z008 | Brussels | 860 m² | 1 · 178 m² | 5.8 m · 2 fl. |
| 21446D0030/00C010 | Brussels | 182 m² | 1 · 85 m² | 18.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-1988
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
93031
23700Cutting, shaping and finishing of stone
46190Agents in non-specialised wholesale trade
96301Funeral services
96302Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.l-p-f.be
E-mail:info@l-p-f.be