LACROIX
ActiveSummary
The computed 12-month bankruptcy probability of LACROIX is 1.7% (moderate). The 2025 annual accounts show equity of €198,928 and a net result of €16,682. Equity is growing by ~43% per year across the filed fiscal years. Its solvency ranks better than 58% of 13874 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-25
Solvency65▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.61 in 2024; short-term debt: 60.1% and cash: 7% of total assets), and 60.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
39.9%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 8 filingsDeviation from the deadline
2025
19 d late
2024
29 d late
2023
48 d late
2022
52 d late
2021
115 d late
2020
52 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 48 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 18 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€198,928▲ 9.2%
2024 · €182,247
Total assets
€498,898▲ 22.6%
2024 · €406,884
Net result
€16,682▼ 82.4%
2024 · €95,051
Working capital
-€108,603▼ 23.0%
2024 · -€88,307
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€54,515▼ 7.8%€36,880▼ 32.3%€28,119▼ 23.8%€159,385▲ 467%€138,720▼ 13.0%
Net result€46,708above the sector's middle half▼ 9.0%€20,945above the sector's middle half▼ 55.2%-€3,666within the sector's middle half€95,051above the sector's middle half€16,682within the sector's middle half▼ 82.4%
Equity€69,916within the sector's middle half▲ 201%€90,861above the sector's middle half▲ 30.0%€87,195above the sector's middle half▼ 4.0%€182,247above the sector's middle half▲ 109%€198,928above the sector's middle half▲ 9.2%
Total assets€237,622above the sector's middle half▲ 44.5%€304,407above the sector's middle half▲ 28.1%€292,126above the sector's middle half▼ 4.0%€406,884above the sector's middle half▲ 39.3%€498,898above the sector's middle half▲ 22.6%
Debt€167,706▲ 18.7%€213,546▲ 27.3%€204,931▼ 4.0%€224,638▲ 9.6%€299,970▲ 33.5%
Working capital-€88,645below the sector's middle half▲ 12.3%-€92,331below the sector's middle half▼ 4.2%-€112,805below the sector's middle half▼ 22.2%-€88,307below the sector's middle half▲ 21.7%-€108,603below the sector's middle half▼ 23.0%
Solvency29.4%within the sector's middle half▲ 15.3pp29.8%within the sector's middle half▲ 0.4pp29.8%within the sector's middle half=44.8%within the sector's middle half▲ 14.9pp39.9%within the sector's middle half▼ 4.9pp
Current ratio0.47below the sector's middle half▲ 0.190.57within the sector's middle half▲ 0.100.45below the sector's middle half▼ 0.120.61within the sector's middle half▲ 0.160.64within the sector's middle half▲ 0.03
Return on assets (ROA)19.7%within the sector's middle half▼ 11.5pp6.9%within the sector's middle half▼ 12.8pp-1.3%within the sector's middle half▼ 8.1pp23.4%above the sector's middle half▲ 24.6pp3.3%within the sector's middle half▼ 20.0pp
Staff (FTE)7.1▲ 82.1%10.1▲ 42.3%10.8▲ 6.9%10▼ 7.4%12.4▲ 24.0%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
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 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €498,707
Fixed assets
€307,341 ▲ 13.7%
Current assets
€191,366 ▲ 40.4%
Equity and liabilities €498,898
Equity
€198,928 ▲ 9.2%
Debt
€299,970 ▲ 33.5%
Debt's share of the balance-sheet total rises from 55.2% to 60.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€212,162▼
2024 · €214,150
Cash flow
€90,124▼
2024 · €149,817
Quick ratio
0.50▲
2024 · 0.43
Debt to equity
1.51▲
2024 · 1.23
ROE
8.4%▼
2024 · 52.2%
Interest coverage
9.39▼
2024 · 14.60
Debt ≤ 1 year
€299,970▲
2024 · €224,638
Income taxes
€99,432▲
2024 · €49,665
Staff costs
€381,335▲
2024 · €336,469
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,640 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 95% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
3.6%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €3,818 | - | - | - | - |
| Remuneration, social security and pensions62 | €125,243 | €352,851 | €392,059 | €336,469 | €381,335 | ▲ 13.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,648 | €37,274 | €40,917 | €54,765 | €73,442 | ▲ 34.1% |
| Other operating charges640/8 | €3,254 | €3,625 | €2,612 | €3,687 | €13,342 | ▲ 262% |
| Non-recurring operating charges66A | €1,047 | €10,480 | €26,887 | €3,429 | - | - |
| Gross operating margin9900 | €210,708 | €441,110 | €490,594 | €557,735 | €606,839 | ▲ 8.8% |
| Operating profit (loss)9901 | €54,515 | €36,880 | €28,119 | €159,385 | €138,720 | ▼ 13.0% |
| Financial charges65/66B | €4,557 | €9,778 | €24,799 | €14,668 | €22,606 | ▲ 54.1% |
| Recurring financial charges65 | €4,557 | €9,778 | €24,799 | €14,668 | €22,606 | ▲ 54.1% |
| Profit (loss) for the period before taxes9903 | €49,958 | €27,102 | €3,320 | €144,717 | €116,114 | ▼ 19.8% |
| Income taxes67/77 | €3,250 | €6,156 | €6,986 | €49,665 | €99,432 | ▲ 100% |
| Profit (loss) for the period9904 | €46,708 | €20,945 | -€3,666 | €95,051 | €16,682 | ▼ 82.4% |
| Profit (loss) for the period to be appropriated9905 | €46,708 | €20,945 | -€3,666 | €95,051 | €16,682 | ▼ 82.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €237,622 | €304,407 | €292,126 | €406,884 | €498,898 | ▲ 22.6% |
| Formation expenses20 | €608 | €504 | €399 | €295 | €191 | ▼ 35.3% |
| Fixed assets21/28 | €157,953 | €182,689 | €199,600 | €270,258 | €307,341 | ▲ 13.7% |
| Intangible fixed assets21 | €154 | - | - | - | - | - |
| Tangible fixed assets22/27 | €125,659 | €150,549 | €167,460 | €238,118 | €276,451 | ▲ 16.1% |
| Plant, machinery and equipment23 | €78,494 | €84,597 | €92,886 | €124,574 | €154,301 | ▲ 23.9% |
| Furniture and vehicles24 | €47,165 | €65,951 | €74,574 | €113,544 | €122,150 | ▲ 7.6% |
| Financial fixed assets28 | €32,140 | €32,140 | €32,140 | €32,140 | €30,890 | ▼ 3.9% |
| Current assets29/58 | €79,061 | €121,215 | €92,126 | €136,331 | €191,366 | ▲ 40.4% |
| Stocks and contracts in progress3 | €24,103 | €25,530 | €26,928 | €38,856 | €40,413 | ▲ 4.0% |
| Stocks30/36 | €24,103 | €25,530 | €26,928 | €38,856 | €40,413 | ▲ 4.0% |
| Amounts receivable within one year40/41 | €23,474 | €60,494 | €35,954 | €11,210 | €104,588 | ▲ 833% |
| Trade receivables40 | - | - | - | €9,572 | €4,219 | ▼ 55.9% |
| Other amounts receivable41 | €23,474 | €60,494 | €35,954 | €1,639 | €100,370 | ▲ 6,025% |
| Cash at bank and in hand54/58 | €30,192 | €35,082 | €27,896 | €84,198 | €34,683 | ▼ 58.8% |
| Deferred charges and accrued income490/1 | €1,292 | €108 | €1,348 | €2,066 | €11,682 | ▲ 465% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €237,622 | €304,407 | €292,126 | €406,884 | €498,898 | ▲ 22.6% |
| Equity10/15 | €69,916 | €90,861 | €87,195 | €182,247 | €198,928 | ▲ 9.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | - | - | - | - | €15,000 | - |
| Distributable reserves133 | - | - | - | - | €15,000 | - |
| Profit (loss) carried forward14 | €51,316 | €72,261 | €68,595 | €163,647 | €165,328 | ▲ 1.0% |
| Amounts payable17/49 | €167,706 | €213,546 | €204,931 | €224,638 | €299,970 | ▲ 33.5% |
| Amounts payable within one year42/48 | €167,706 | €213,546 | €204,931 | €224,638 | €299,970 | ▲ 33.5% |
| Trade debts44 | €92,647 | €111,485 | €121,282 | €89,923 | €76,204 | ▼ 15.3% |
| Suppliers440/4 | €92,647 | €111,485 | €121,282 | €89,923 | €76,204 | ▼ 15.3% |
| Taxes, remuneration and social security45 | €58,389 | €100,395 | €78,167 | €134,352 | €223,766 | ▲ 66.6% |
| Taxes450/3 | €18,688 | €28,740 | €47,010 | €101,031 | €166,562 | ▲ 64.9% |
| Remuneration and social security454/9 | €39,701 | €71,655 | €31,157 | €33,320 | €57,204 | ▲ 71.7% |
| Other amounts payable47/48 | €16,670 | €1,666 | €5,482 | €363 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,708 | €20,945 | -€3,666 | €95,051 | €16,682 | ▼ 82.4% |
| + Depreciation and write-downs630 | €26,648 | €37,274 | €40,917 | €54,765 | €73,442 | ▲ 34.1% |
| Operating cash flow (approximation) | €73,357 | €58,219 | €37,251 | €149,817 | €90,124 | ▼ 39.8% |
| Investment in fixed assets (approximation) | - | -€62,010 | -€57,829 | -€125,423 | -€110,525 | ▲ 11.9% |
| Change in cash | - | €4,890 | -€7,186 | €56,302 | -€49,515 | ▼ 188% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €95,051
Net result €95,051 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €182,247 ▲109%
Equity rises from €87,195 to €182,247.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 115 days late
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
31-12
Financial
Back to profitnet €51,327
Net result €51,327 after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2017
Ground area
1,467 m²
Building footprint
294 m²
Volume, LiDAR
1,873 m³
Parcel 92039A0070/00H000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oh la vache!
since 20172.269.429.618
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0070/00H000 | Wallonia | 1,467 m² | 1 · 294 m² | 8.8 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.269.429.618
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Of 20,500 companies in this sector we hold annual accounts for 11,468. 8,577 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded17-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0683438838
Also
9925:BE0683438838
Registered
11-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.