LACO
ActiveLACO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €600k and a net result of €-72k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 3186 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-24
Solvency39▼-2
Growth37▼-32
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.06 in 2024; short-term debt: 80.4% and cash: 8.4% of total assets), and 86.1% of the assets are financed with debt.
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
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 3186 sector peers (2025).
NBB · sector comparisonPosition among 3186 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
6 d late
2024
37 d early
2023
6 d early
2022
45 d early
2021
52 d early
2020
61 d early
2019
31 d early
← 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, full schema
Turnover
€16.19M▼ 5.7%
2024 · €17.17M
2018: €12.30M
2019: €12.72M
2020: €14.54M
2021: €16.24M
2022: €16.23M
2023: €15.94M
2024: €17.17M
2018 → 2025
EBIT margin
0.0%▼ 1.4pp
2024 · 1.4%
2018: 0.4%
2019: 0.6%
2020: 1.5%
2021: 0.4%
2022: 0.6%
2023: -1.4%
2024: 1.4%
2018 → 2025
Net result
€-72k
2024 · €114k
2018: €13k
2019: €56k
2020: €175k
2021: €-4k
2022: €20k
2023: €-199k
2024: €114k
2018 → 2025
Working capital
€304k▲ 39.5%
2024 · €218k
2018: €460k
2019: €278k
2020: €474k
2021: €575k
2022: €451k
2023: €28k
2024: €218k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16.24M-€16.23M▼ 0.1%€15.94M▼ 1.8%€17.17M▲ 7.7%€16.19M▼ 5.7%
Equity€868k-€757k▼ 12.8%€558k▼ 26.3%€672k▲ 20.4%€600k▼ 10.7%
Operating result€63k-€94k▲ 50.1%€-229k€236k€-4k
Net result€-4k-€20k€-199k€114k€-72k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €236k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.29M
Fixed assets
€505k▲ 15.7%
Current assets
€3.79M▲ 1.6%
Equity and liabilities €4.33M
Equity
€600k▼ 10.7%
Debt
€3.73M▲ 4.3%
The debt ratio rises from 84.2% to 86.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€143k▼
2024 · €417k
Cash flow
€75k▼
2024 · €295k
Solvency
13.9%▼
2024 · 15.8%
Current ratio
1.09▲
2024 · 1.06
Quick ratio
1.09▲
2024 · 1.06
Debt / equity
6.22▲
2024 · 5.32
ROE
-12.0%▼
2024 · 16.9%
ROA
-1.7%▼
2024 · 2.7%
Interest coverage
2.79▼
2024 · 8.43
Debt
€3.73M▲
2024 · €3.58M
Debt ≤ 1 year
€3.48M▼
2024 · €3.51M
Income taxes
€43k▼
2024 · €89k
Staff costs
€7.23M▲
2024 · €6.92M
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€4.25M€4.33M▲
Formation expenses20€82k€38k▼
Fixed assets21/28€437k€505k▲
Intangible fixed assets21€154k€235k▲
Tangible fixed assets22/27€210k€207k▼
Land and buildings22€101k€90k▼
Plant, machinery and equipment23€41k€72k▲
Furniture and vehicles24€69k€45k▼
Financial fixed assets28€72k€64k▼
Other financial fixed assets284/8€72k€64k▼
Amounts receivable and cash guarantees285/8€72k€64k▼
Current assets29/58€3.73M€3.79M▲
Amounts receivable after more than one year29€527k-
Other amounts receivable291€527k-
Amounts receivable within one year40/41€2.43M€3.29M▲
Trade receivables40€2.35M€1.98M▼
Other amounts receivable41€81k€1.31M▲
Current investments50/53€9k€10k▲
Other investments51/53€9k€10k▲
Cash at bank and in hand54/58€645k€365k▼
Deferred charges and accrued income490/1€115k€119k▲
Equity and liabilities
Total equity and liabilities10/49€4.25M€4.33M▲
Equity10/15€672k€600k▼
Contributions10/11€585k€585k=
Capital10€535k€535k=
Issued capital100€535k€535k=
Outside capital11€50k€50k=
Share premium1100/10€50k€50k=
Reserves13€59k€59k=
Non-distributable reserves130/1€59k€59k=
Legal reserve130€59k€59k=
Profit (loss) carried forward14€29k€-43k▼
Amounts payable17/49€3.58M€3.73M▲
Amounts payable within one year42/48€3.51M€3.48M▼
Financial debts43€677k€764k▲
Credit institutions430/8€677k€764k▲
Trade debts44€1.40M€1.39M▼
Suppliers440/4€1.40M€1.39M▼
Taxes, remuneration and social security45€1.44M€1.33M▼
Taxes450/3€422k€479k▲
Remuneration and social security454/9€1.02M€854k▼
Accrued charges and deferred income492/3€64k€247k▲
Income statement
Code20242025
Operating income70/76A€17.49M€16.75M▼
Turnover70€17.17M€16.19M▼
Own construction capitalised72-€123k
Other operating income74€293k€397k▲
Non-recurring operating income76A€20k€42k▲
Operating charges60/66A€17.25M€16.76M▼
Goods for resale, raw materials and consumables60€7.78M€6.43M▼
Purchases600/8€7.78M€6.43M▼
Services and other goods61€2.30M€2.90M▲
Remuneration, social security and pensions62€6.92M€7.23M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€181k€147k▼
Other operating charges640/8€69k€57k▼
Operating profit (loss)9901€236k€-4k▼
Financial income75/76B€29k€42k▲
Recurring financial income75€29k€42k▲
Income from current assets751€23k€23k▲
Other financial income752/9€6k€19k▲
Financial charges65/66B€62k€68k▲
Recurring financial charges65€61k€68k▲
Debt charges650€49k€51k▲
Other financial charges652/9€11k€16k▲
Non-recurring financial charges66B€1k-
Profit (loss) for the period before taxes9903€203k€-29k▼
Income taxes67/77€89k€43k▼
Taxes670/3€89k€43k▼
Profit (loss) for the period9904€114k€-72k▼
Profit (loss) for the period to be appropriated9905€114k€-72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€-43k▼
Profit (loss) brought forward from the previous period14P€-85k€29k▲
Social balance
Average headcount (FTE)908765.166.3▲
The notes to these accounts (51 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 6 days late
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €114k
Net result €114k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-199k ▼1101%
Net result drops to €-199k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €175k ▲211%
Net result €175k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
21 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, Machelen (Brab.) · 1 establishment unit since 1987
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.
Woluwelaan 1351831 Machelen (Brab.)Ground area
2,930 m²
Building footprint
1,133 m²
Volume, LiDAR
13,640 m³
Parcel 23015B0226/00X000, Flanders · tallest building 18.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Woluwelaan 135, 1831 Machelen (Brab.)
since 19872.030.566.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0226/00X000 | Flanders | 2,930 m² | 1 · 1,133 m² | 18.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
2022 to 2025 · 4 entries · 2,078 EUR awarded · 2,078 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 357 EUR | 357 EUR |
| 2024 | 1 | 384 EUR | 439 EUR |
| 2023 | 1 | 655 EUR | 600 EUR |
| 2022 | 1 | 682 EUR | 682 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
213800MV2QWLZQ3QNK67
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KA & A CONSULTING
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Sint-Niklaas · Eq €600k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 33,066 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-1986
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
72100
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.