LA TIERRA

Active

Private limited companyfounded 20205 yrs activeMeir 18, 2430 Laakdal, BelgiumKBO/BCE: BE 0759.582.353

The computed 12-month bankruptcy probability of LA TIERRA is 6.1% (elevated). The 2025 annual accounts show equity of €110k and a net result of €18k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 13270 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability82▼-9

Solvency90▲+12

Growth52=

Track record94

Bankruptcy probability, 12 months

6.1% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days only on tighter terms

Liquidity ample (current ratio 1.68 against 1.36 in 2024; short-term debt: 29.8% and cash: 36.5% of total assets), and 35.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

64.5%

Return on assets

10.4%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

2 d early

2024

25 d late

2023

18 d early

2022

5 d early

2021

3 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€110k▲ 19.1%

2024 · €92k

2021: €40k 2022: €56k 2023: €65k 2024: €92k

2021 → 2025

Total assets

€171k▼ 1.7%

2024 · €174k

2021: €115k 2022: €133k 2023: €135k 2024: €174k

2021 → 2025

Net result

€18k▼ 43.4%

2024 · €31k

2021: €41k 2022: €16k 2023: €10k 2024: €31k

2021 → 2025

Working capital

€34k▲ 22.8%

2024 · €28k

2021: €25k 2022: €29k 2023: €4k 2024: €28k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€40k-€56k▲ 40.1%€65k▲ 16.2%€92k▲ 42.4%€110k▲ 19.1%

Operating result€57k-€29k▼ 49.5%€17k▼ 40.9%€51k▲ 202%€35k▼ 32.6%

Net result€41k-€16k▼ 61.3%€10k▼ 38.6%€31k▲ 218%€18k▼ 43.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 33% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €171k

50.1%

49.9%

Fixed assets €86k▲ 24.9%

Current assets €85k▼ 19.1%

Equity and liabilities €171k

64.5%

35.5%

Equity €110k▲ 19.1%

Debt €60k▼ 25.5%

The debt ratio falls from 46.7% to 35.5%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€65k▼

2024 · €81k

Cash flow

€48k▼

2024 · €61k

Solvency

64.5%▲

2024 · 53.3%

Current ratio

1.68▲

2024 · 1.36

Quick ratio

1.54▲

2024 · 1.28

Debt / equity

0.55▼

2024 · 0.88

ROE

16.1%▼

2024 · 33.8%

ROA

10.4%▼

2024 · 18.0%

Interest coverage

6.88▼

2024 · 9.37

Debt

€60k▼

2024 · €81k

Debt ≤ 1 year

€51k▼

2024 · €77k

Debt > 1 year

€10k▲

2024 · €4k

Income taxes

€7k▼

2024 · €12k

Staff costs

€151k▲

2024 · €113k

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€174k€171k▼

Fixed assets21/28€68k€86k▲

Tangible fixed assets22/27€68k€86k▲

Land and buildings22€5k€4k▼

Plant, machinery and equipment23€26k€48k▲

Furniture and vehicles24€33k€27k▼

Leasing and similar rights25€5k€931▼

Other tangible fixed assets26-€5k

Current assets29/58€105k€85k▼

Stocks and contracts in progress3€6k€7k▲

Stocks30/36€6k€7k▲

Amounts receivable within one year40/41€23k€11k▼

Trade receivables40€22k€10k▼

Other amounts receivable41€644€960▲

Cash at bank and in hand54/58€76k€62k▼

Deferred charges and accrued income490/1-€5k

Equity and liabilities

Total equity and liabilities10/49€174k€171k▼

Equity10/15€92k€110k▲

Contributions10/11€5k€5k=

Reserves13€87k€105k▲

Distributable reserves133€87k€105k▲

Amounts payable17/49€81k€60k▼

Amounts payable after more than one year17€4k€10k▲

Financial debts170/4€4k€10k▲

Amounts payable within one year42/48€77k€51k▼

Current portion of amounts payable after more than one year42€14k€8k▼

Trade debts44€34k€26k▼

Suppliers440/4€34k€26k▼

Taxes, remuneration and social security45€19k€17k▼

Taxes450/3€7k€2k▼

Remuneration and social security454/9€12k€15k▲

Other amounts payable47/48€10k€747▼

Income statement Code20242025

Remuneration, social security and pensions62€113k€151k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€30k▲

Other operating charges640/8€9k€5k▼

Gross operating margin9900€202k€221k▲

Operating profit (loss)9901€51k€35k▼

Financial income75/76B€329€63▼

Recurring financial income75€329€63▼

Financial charges65/66B€9k€9k▲

Recurring financial charges65€9k€9k▲

Profit (loss) for the period before taxes9903€43k€25k▼

Income taxes67/77€12k€7k▼

Profit (loss) for the period9904€31k€18k▼

Profit (loss) for the period to be appropriated9905€31k€18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€31k€18k▼

Transfer to equity691/2€28k€18k▼

To other reserves6921€28k€18k▼

Profit to be distributed694/7€4k-

Directors or managers695€4k-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €100kEq €110k ▲19.1%

5 profitable years in a row build equity to €110k.

25-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 25 days late

2024

13-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €10k ▼38.6%

Net result drops to €10k, the lowest in the series; recovery starts the following year.

26-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

28-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Laakdal · 4 establishment units since 2020

establishment All 4 establishment units on the map

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.

Meir 182430 Laakdal

Ground area

3,585 m²

Building footprint

492 m²

Volume, LiDAR

3,707 m³

4 parcels, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.

4 establishment units

LA TIERRA

Meir 18, 2430 LaakdalLimited-service restaurants

since 20202.310.411.425

Automatenshop Geel

Stationsstraat 173, 2440 GeelNon-specialised retail sale with food, beverages or tobacco predominating

since 20262.393.363.647

Automatenshop Tessenderlo

Markt 19, 3980 Tessenderlo-HamNon-specialised retail sale with food, beverages or tobacco predominating

since 20262.393.363.746

La Tierra

Nieuwe Baan 75, 2430 LaakdalManufacture of food products

since 20262.393.363.845

4 parcels

Flanders 4 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13007B0171/00R000	Flanders	1,894 m²	-	-
71057A0761/00F000	Flanders	829 m²	1 · 111 m²	17.3 m · 4 fl.
13045B0442/00V000	Flanders	673 m²	1 · 251 m²	9.9 m · 2 fl.
13374F0645/00M000	Flanders	189 m²	1 · 130 m²	11.3 m · 3 fl.