LAETITIA CAMPAGNA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LAETITIA CAMPAGNA is 0.3% (very low). The 2024 annual accounts show equity of €112k and a net result of €55k. Its solvency ranks better than 86% of 4829 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 86% of 4829 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-09-2025	61 d late	2025-00524555
31-12-2023	31-07-2024	10-10-2024	71 d late	2024-00504685

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€55k+19.0%

Working capital€92k+86.0%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	84.1%	61.0%	better than 86% of 4829 sector peers
Net result	€55k	€33k	better than 70% of 4826 sector peers
Equity	€112k	€59k	better than 72% of 4829 sector peers
Gross operating margin	€111k	€56k	better than 77% of 4824 sector peers
Staff costs	€29k	€30k	higher than 50% of 756 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€74k

+16.5% 23-24

Net profit

€55k

+19.0% 23-24

Cash flow

€59k

+16.2% 23-24

Total assets

€133k

+53.8% 23-24

Equity

€112k

+97.9% 23-24

Working capital

€92k

+86.0% 23-24

Employees (FTE)

1

0.0% 23-24

Staff costs

€29k

-27.7% 23-24

Show 10 other metrics

Income taxes

€15k

+18.2% 23-24

Debt

€21k

-29.5% 23-24

Debt ≤ 1y

€21k

-29.5% 23-24

Current ratio

5.34

+101.8% 23-24

Quick ratio

5.34

+101.8% 23-24

Solvency

84.1%

+28.7% 23-24

Debt / equity

0.19

-64.4% 23-24

ROE

49.5%

-39.9% 23-24

ROA

41.6%

-22.6% 23-24

Interest coverage

231.81

+16.2% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€74k
Net profit	€55k
Cash flow	€59k
Staff costs	€29k
Income taxes	€15k
Dividends	-
Total assets	€133k
Equity	€112k
Debt	€21k
of which ≤ 1y	€21k
of which > 1y	-
Working capital	€92k
Employees (FTE)	1.0

Ratios (computed)

	2024
Current ratio	5.34
Quick ratio	5.34
Working capital ratio	68.9%
Solvency	84.1%
Debt / equity	0.19
Long-term debt ratio	-
Interest coverage	231.81
Gross margin	-
Net margin	-
ROA	41.6%
ROE	49.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €20k · 15.3% Current assets €113k · 84.8%

Equity & liabilities

Equity €112k · 84.1% Debt €21k · 15.9%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€133k
Fixed assets	21/28	€20k
Tangible fixed assets	22/27	€20k
Financial fixed assets	28	€125
Current assets	29/58	€113k
Amounts receivable within one year	40/41	€62k
Cash & bank	54/58	€50k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€133k
Equity	10/15	€112k
Contributions / capital	10/11	€10k
Reserves	13	€101k
Accumulated profits (losses)	14	€1k
Amounts payable	17/49	€21k
Amounts payable within one year	42/48	€21k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€111k
Operating result	9901	€71k
Financial income	75	€16
Financial charges	65	€320
Result before taxes	9903	€70k
Income taxes	67/77	€15k
Net result for the period	9904	€55k
Result to be appropriated	9905	€55k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Chaussée de la Seigneurie 794800 Verviers

Establishment units

1 location

LAETITIA CAMPAGNA

Chaussée de la Seigneurie 79, 4800 VerviersActiviteiten van advocaten

since 20222.333.272.345

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area136 m²

Buildings1

Building footprint60 m²

Volume (LiDAR)498 m³

Tallest building10.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63059B0014/00H002	Wallonia	136 m²	1 · 60 m²	10.2 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.