Laeremans
ActiveSummary
The computed 12-month bankruptcy probability of Laeremans is 2.1% (moderate). The 2025 annual accounts show equity of €43k and a net result of €14k. Its solvency ranks better than 30% of 960 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-6
Solvency45▲+8
Growth52
Track record82
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.42 in 2024; short-term debt: 70.4% and cash: 3.8% of total assets), and 79.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← 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
20.5%
Return on assets
6.9%
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 24-08-2026, 24 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 · 2 filingsDeviation from the deadline
2025
24 d late
2024
57 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 50.8%
2024 · €28k
2024: €28k
2024 → 2025
Total assets
€209k▼ 11.9%
2024 · €237k
2024: €237k
2024 → 2025
Net result
€14k▼ 47.0%
2024 · €27k
2024: €27k
2024 → 2025
Working capital
€-77k▲ 27.3%
2024 · €-105k
2024: €-105k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€28k-€43k▲ 50.8%
Operating result€35k-€20k▼ 41.5%
Net result€27k-€14k▼ 47.0%
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€138k ▼ 13.7%
Current assets
€70k ▼ 8.0%
Equity and liabilities €209k
Equity
€43k ▲ 50.8%
Debt
€166k ▼ 20.4%
Debt's share of the balance-sheet total falls from 88.0% to 79.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▼
2024 · €86k
Cash flow
€71k▼
2024 · €78k
Current ratio
0.48▲
2024 · 0.42
Debt to equity
3.88▼
2024 · 7.35
ROE
33.7%▼
2024 · 95.8%
ROA
6.9%▼
2024 · 11.5%
Interest coverage
31.25▼
2024 · 64.84
Debt ≤ 1 year
€147k▼
2024 · €182k
Debt > 1 year
€19k▼
2024 · €27k
Income taxes
€5k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€237k€209k▼
Fixed assets21/28€160k€138k▼
Tangible fixed assets22/27€160k€138k▼
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€158k€132k▼
Financial fixed assets28-€450
Current assets29/58€76k€70k▼
Amounts receivable within one year40/41€42k€61k▲
Trade receivables40€41k€61k▲
Other amounts receivable41€1k€337▼
Cash at bank and in hand54/58€34k€8k▼
Deferred charges and accrued income490/1€168€1k▲
Equity and liabilities
Total equity and liabilities10/49€237k€209k▼
Equity10/15€28k€43k▲
Contributions10/11€1k€1k=
Reserves13€27k€42k▲
Distributable reserves133€27k€42k▲
Amounts payable17/49€208k€166k▼
Amounts payable after more than one year17€27k€19k▼
Financial debts170/4€27k€19k▼
Amounts payable within one year42/48€182k€147k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€17k€22k▲
Taxes450/3€17k€22k▲
Other amounts payable47/48€150k€116k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€56k▲
Other operating charges640/8€4k€8k▲
Gross operating margin9900€90k€85k▼
Operating profit (loss)9901€35k€20k▼
Financial income75/76B€684€1k▲
Recurring financial income75€684€1k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€34k€19k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€27k€14k▼
Profit (loss) for the period to be appropriated9905€27k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€14k▼
Transfer to equity691/2€27k€14k▼
To other reserves6921€27k€14k▼
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Westerlo · 1 establishment unit since 2024
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.
Mechelsestraat 322260 WesterloGround area
1,733 m²
Building footprint
305 m²
Volume, LiDAR
1,540 m³
Parcel 13028A0180/00L002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Laeremans
since 20242.355.377.556
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13028A0180/00L002 | Flanders | 1,733 m² | 1 · 305 m² | 7.7 m · 2 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.
Similar companies · same sector, comparable size
GYMA FRUIT
BE 0890.650.634
Heers · Eq €42,846
DE SCHOUWER
BE 0437.244.524
Sint-Katelijne-Waver · Eq €42,598
GeBel
BE 0768.954.929
Heist-op-den-Berg · Eq €42,537
FRELIEN
BE 0805.529.867
Temse · Eq €43,106
DLS Invest & Development
BE 0693.677.682
Vilvoorde · Eq €43,523
Of 1,725 companies in sector 52210 we hold annual accounts for 771. 520 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
52210Service activities incidental to land transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.