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La Tramontane

Active
Public limited companyfounded 198640 yrs activeAlsembergsesteenweg 842, 1180 Ukkel, BelgiumKBO/BCE: BE 0428.695.755
Summary

The computed 12-month bankruptcy probability of La Tramontane is 1.6% (moderate). The 2024 annual accounts show negative equity (-€3.6m) and a net result of €11,203. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 695 sector peers (fiscal year 2024). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
La TramontaneActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Residential care activities
NACE 87101
1 site
Size
€5.3mtotal assets 2024
Equity
-€3.6m
Profit
€11,203
Financial health
53 Fair Checked score 2024
Bankruptcy chance 12 m
1.6%
Structure
Parent
Future Living Invest · 100%
Board
4 members
Accounts 67 d overdue1 of 13 deeds read
Why 53- Liquidity: current ratio 1.66, cash €374- Figures for FY 2024 (filed 08-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 31 days late; 3 of the last 3 late+ Sector Residential care activities (NACE 87)Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 18% of its sector peers (NACE 87, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 0=
equity -68.8% of total assets
Liquidity 23+2
short-term debt 53.9% · cash 0.0%
Profitability 27-23
return on assets 0.2%
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (611 companies)
Last 24 months 11-2024: 0.6%lowest value 12-2024: 0.6%● 0.0% vs 11-2024lowest value 01-2025: 0.6%● 0.0% vs 12-2024lowest value 02-2025: 0.6%▲ +1.9% vs 01-2025 03-2025: 0.6%▲ +5.2% vs 02-2025 04-2025: 0.6%▼ -2.4% vs 03-2025 05-2025: 0.6%▲ +0.3% vs 04-2025 06-2025: 0.6%▲ +3.9% vs 05-2025 07-2025: 0.8%▲ +20.2% vs 06-2025 08-2025: 1.0%▲ +31.0% vs 07-2025 09-2025: 1.2%▲ +15.1% vs 08-2025 10-2025: 0.8%▼ -32.7% vs 09-2025 11-2025: 0.8%● 0.0% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%● 0.0% vs 12-2025 02-2026: 0.8%▲ +1.9% vs 01-2026 03-2026: 0.8%▲ +4.9% vs 02-2026 04-2026: 0.8%▼ -2.3% vs 03-2026 05-2026: 0.8%▼ -5.3% vs 04-2026 06-2026: 0.8%▲ +3.4% vs 05-2026 07-2026: 0.8%▲ +4.1% vs 06-2026 08-2026: 1.2%▲ +47.7% vs 07-2026 09-2026: 1.4%▲ +11.3% vs 08-2026 10-2026: 1.6%▲ +20.5% vs 09-2026highest value
  • Liquidity: current ratio 1.66, cash €374 raises the probability
  • Figures for FY 2024 (filed 08-09-2025) raises the probability
  • Sector Residential care activities (NACE 87) lowers the probability
  • 1 financial year not filed after the legal deadline; latest accounts 31 days late; 3 of the last 3 late raises the probability
No credit on open account
Liquidity ample (current ratio 1.66 against 1.55 in 2023; short-term debt: 53.9% and cash: 0% of total assets), but equity is negative.
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 87, small). Better than this share of them on solvency 4%, liquidity 10%, profitability 18%, growth against the median 39%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.66, cash €374
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 08-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Residential care activities (NACE 87)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 31 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 695 sector peers (2024).
NBB · sector comparison
Position among 695 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
31 d late
2023
31 d late
2022
31 d late
2021
112 d late
2020
133 d late
2019
152 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 82 days after the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 25% of the sector filed late.

Checked, nothing found (1)
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. Reappointments: Assel & Property Management (director)…Resignations: Assel & Property Management…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Risk: Negative equityfiscal year 2024: debts exceed assets -€3.6m View
  • Caution: Result fell in 2024from €788,829 to €11,203 ▼ 98.6% View
  • Caution: Among the weakest 5% on equitysector median €611,678 · 695 companies -€3.6m View
  • Caution: Accounts not fileddeadline was 31-07-2026 67 d late View
  • Controlled by Future Living Investultimately: SENIOR ASSIST 100% View
  • A director leftlatest change 06-08-2026 · 4 in office 1 left View

By topic

Financials

Fiscal year
2024
Total assets
€5.3m
Profit
€11,203
Solvency
-68.8%
Total assets▲ 1.5%
Net result
20182024
Go to Financials

Timeline

Events
15
Since
2016
  1. 06-08-2026Reappointments: Assel & Property Management (director) and…
  2. 31-08-2025Annual accounts filed
  3. 31-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Residential care activitiesNACE 87101
Founded
27-03-1986
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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