Lafiduciaire.be CSE
ActiveSummary
Lafiduciaire.be CSE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €50k. Equity is growing by ~34.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+6
Solvency47▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.55 in 2024; short-term debt: 41.8% and cash: 25.1% of total assets), but 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
21.9%
Return on assets
17.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
57 d early
2023
8 d late
2022
52 d early
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€50k▲ 31.9%
2024 · €38k
2022: €28k
2023: €57k
2024: €38k
2022 → 2025
Working capital
€70k▲ 13.2%
2024 · €62k
2022: €13k
2023: €56k
2024: €62k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€41k▲ 194%€49k▲ 19.6%€63k▲ 29.0%
Operating result€42k-€81k▲ 94.3%€55k▼ 31.6%€70k▲ 26.3%
Net result€28k-€57k▲ 104%€38k▼ 33.2%€50k▲ 31.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€96k ▼ 20.6%
Current assets
€190k ▲ 8.4%
Equity and liabilities €286k
Equity
€63k ▲ 29.0%
Debt
€223k ▼ 9.9%
Debt's share of the balance-sheet total falls from 83.6% to 78.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €84k
Cash flow
€75k▲
2024 · €66k
Current ratio
1.59▲
2024 · 1.55
Debt to equity
3.56▼
2024 · 5.09
ROE
79.9%▲
2024 · 78.1%
ROA
17.5%▲
2024 · 12.8%
Interest coverage
24.52▲
2024 · 17.67
Debt ≤ 1 year
€119k▲
2024 · €113k
Debt > 1 year
€104k▼
2024 · €135k
Income taxes
€17k▲
2024 · €13k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€296k€286k▼
Fixed assets21/28€121k€96k▼
Intangible fixed assets21€120k€96k▼
Tangible fixed assets22/27€1k€409▼
Furniture and vehicles24€1k€409▼
Current assets29/58€175k€190k▲
Amounts receivable within one year40/41€105k€118k▲
Trade receivables40€85k€103k▲
Other amounts receivable41€20k€15k▼
Cash at bank and in hand54/58€70k€72k▲
Equity and liabilities
Total equity and liabilities10/49€296k€286k▼
Equity10/15€49k€63k▲
Contributions10/11€6k€6k=
Reserves13€24k€36k▲
Non-distributable reserves130/1€6k€6k=
Other1319€6k€6k=
Distributable reserves133€18k€30k▲
Profit (loss) carried forward14€19k€21k▲
Amounts payable17/49€248k€223k▼
Amounts payable after more than one year17€135k€104k▼
Financial debts170/4€135k€104k▼
Amounts payable within one year42/48€113k€119k▲
Current portion of amounts payable after more than one year42€30k€31k▲
Trade debts44€35k€36k▲
Suppliers440/4€35k€36k▲
Taxes, remuneration and social security45€17k€17k▼
Taxes450/3€17k€17k▼
Other amounts payable47/48€30k€36k▲
Accrued charges and deferred income492/3€24-
Income statement
Code20242025
Non-recurring operating income76A€5k€250▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€25k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€145-
Other operating charges640/8€472€506▲
Non-recurring operating charges66A€30k-
Gross operating margin9900€114k€95k▼
Operating profit (loss)9901€55k€70k▲
Financial income75/76B€95€789▲
Recurring financial income75€95€789▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€51k€67k▲
Income taxes67/77€13k€17k▲
Profit (loss) for the period9904€38k€50k▲
Profit (loss) for the period to be appropriated9905€38k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€69k▲
Profit (loss) brought forward from the previous period14P€19k€19k▼
Transfer to equity691/2€8k€12k▲
To other reserves6921€8k€12k▲
Profit to be distributed694/7€30k€36k▲
Return on contributions (dividend)694€30k€36k▲
The notes to these accounts (12 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 8 days late
2023
31-12
Financial
Highest result since 2022net €57k ▲104%
Operating result €81k, net result €57k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lasne · 1 establishment unit since 2022
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 Louvain 4311380 LasneGround area
3,515 m²
Building footprint
234 m²
Volume, LiDAR
1,423 m³
2 parcels, Wallonia · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lafiduciaire.be CSE
since 20222.327.848.857
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0006/00S005 | Wallonia | 3,200 m² | 1 · 156 m² | 12.8 m · 2 fl. |
| 25023H0445/00K002 | Wallonia | 314 m² | 1 · 77 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,174 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
Founded15-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.