Skip to content

LADY - LORD

Active
Private limited company (pre-2019)founded 199036 yrs activeProvinciebaan 93, 9890 Gavere, BelgiumKBO/BCE: BE 0441.010.597
Summary

The computed 12-month bankruptcy probability of LADY - LORD is 8.6% (elevated). For LADY - LORD, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (-€58,962) and a net result of -€719. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 5% of 15213 sector peers (fiscal year 2023). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Wholesale of household textiles and bedding
NACE 46412NACE 51410
1 site
Size
€499total assets 2023
Equity
-€58,962
Loss
-€719
Turnover not published (abridged schema)
Financial health
Bankruptcy chance 12 m
8.6%
2023 figures too old to score
Structure
Accounts 428 d overdue
Signals- Figures for FY 2023 (filed 12-09-2024)- 2 financial years not filed after the legal deadline; latest accounts 42 days late; 2 of the last 3 late- Two or more financial years not filed+ Size: total assets €499+ Founded in 1990Filed after the deadlineShow the evidence

Checked score

No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Financial strength, FY 2023 · tick = 2022
Weak
Solvency 0=
equity -11823.5% of total assets
Liquidity 1=
short-term debt 11923.5% · cash 1.1%
Profitability 0=
return on assets -144.2%
Bankruptcy probability, 12 months
8.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,765 companies)
Last 17 months 06-2025: 1.5%lowest value 07-2025: 1.8%▲ +20.6% vs 06-2025 08-2025: 2.2%▲ +18.5% vs 07-2025 09-2025: 2.1%▼ -4.5% vs 08-2025 10-2025: 2.5%▲ +19.1% vs 09-2025 11-2025: 2.6%▲ +5.3% vs 10-2025 12-2025: 3.3%▲ +27.3% vs 11-2025 01-2026: 5.7%▲ +72.1% vs 12-2025 02-2026: 5.7%● 0.0% vs 01-2026 03-2026: 6.0%▲ +5.9% vs 02-2026 04-2026: 5.6%▼ -7.2% vs 03-2026 05-2026: 5.6%● 0.0% vs 04-2026 06-2026: 5.6%● 0.0% vs 05-2026 07-2026: 5.6%● 0.0% vs 06-2026 08-2026: 7.7%▲ +38.0% vs 07-2026 09-2026: 7.7%● 0.0% vs 08-2026 10-2026: 8.6%▲ +10.7% vs 09-2026highest value
  • Figures for FY 2023 (filed 12-09-2024) raises the probability
  • 2 financial years not filed after the legal deadline; latest accounts 42 days late; 2 of the last 3 late raises the probability
  • Size: total assets €499 lowers the probability for this profile
  • Founded in 1990 lowers the probability for this profile
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2023 (filed 12-09-2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 2 financial years not filed after the legal deadline; latest accounts 42 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €499
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filings
Position against the passed deadline
31-12-2024 close31-07-2025 deadline02-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 11-09-2024, 42 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
not filed
2023
42 d late
2022
129 d late
2021
26 d late
2020
65 d late
2018
71 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 67 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Annual accounts filedfiscal year 2023 · micro…
  2. Annual accounts filedfiscal year 2022 · micro…
  3. Annual accounts filedfiscal year 2021 · micro…

Key points

  • Risk: Accounts not fileddeadline was 31-07-2025 428 d late View
  • Risk: Negative equityfiscal year 2023: debts exceed assets -€58,962 View
  • Risk: 5 loss-making years in a rowloss fiscal year 2023 -€719 View
  • Caution: Among the weakest 5% on solvencysector median 38.5% · 15,213 companies -11823.5% View

By topic

Financials

Fiscal year
2023
Total assets
€499
Loss
-€719
Solvency
-11823.5%
Total assets▲ 0.5%
Net result
20182023
Go to Financials

Timeline

Events
10
Since
2013
  1. 11-09-2024Annual accounts filed
  2. 07-12-2023Annual accounts filed
  3. 26-08-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Wholesale of household textiles and beddingNACE 46412
Founded
31-05-1990
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.