LAFIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €261k and a net result of €25k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 7980 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
6 d early
2022
7 d early
2021
13 d early
2020
5 d early
2019
32 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€261k▲ 10.6%
2024 · €236k
2018: €114k
2019: €138k
2020: €161k
2021: €174k
2022: €196k
2023: €220k
2024: €236k
2018 → 2025
Net result
€25k▲ 58.9%
2024 · €16k
2018: €42k
2019: €24k
2020: €23k
2021: €14k
2022: €22k
2023: €24k
2024: €16k
2018 → 2025
Total assets
€1.07M▲ 48.5%
2024 · €723k
2018: €886k
2019: €864k
2020: €829k
2021: €800k
2022: €767k
2023: €724k
2024: €723k
2018 → 2025
Solvency
24.3%▼ 8.3pp
2024 · 32.6%
2018: 12.9%
2019: 15.9%
2020: 19.4%
2021: 21.8%
2022: 25.6%
2023: 30.5%
2024: 32.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€174k-€196k▲ 12.6%€220k▲ 12.3%€236k▲ 7.1%€261k▲ 10.6%
Operating result€31k-€42k▲ 35.0%€49k▲ 17.0%€44k▼ 10.6%€47k▲ 5.9%
Net result€14k-€22k▲ 58.8%€24k▲ 9.8%€16k▼ 34.8%€25k▲ 58.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€1.05M▲ 74.1%
Current assets
€24k▼ 79.9%
Equity and liabilities €1.07M
Equity
€261k▲ 10.6%
Debt
€814k▲ 66.9%
The debt ratio rises from 67.4% to 75.7%. Equity and debt are higher.
Key figures and ratios
Solvency
24.3%▼
2024 · 32.6%
ROE
9.6%▲
2024 · 6.7%
ROA
2.3%▲
2024 · 2.2%
Debt
€814k▲
2024 · €487k
Debt ≤ 1 year
€102k▲
2024 · €29k
Debt > 1 year
€711k▲
2024 · €458k
Income taxes
€7k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€723k€1.07M▲
Fixed assets21/28€603k€1.05M▲
Tangible fixed assets22/27€603k€1.05M▲
Land and buildings22€601k€1.05M▲
Plant, machinery and equipment23€3k€3▼
Current assets29/58€120k€24k▼
Amounts receivable within one year40/41€7k€2k▼
Trade receivables40€0€847▲
Other amounts receivable41€7k€700▼
Cash at bank and in hand54/58€111k€21k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€723k€1.07M▲
Equity10/15€236k€261k▲
Contributions10/11€20k€20k=
Reserves13€216k€241k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€216k€241k▲
Amounts payable17/49€487k€814k▲
Amounts payable after more than one year17€458k€711k▲
Financial debts170/4€458k€711k▲
Amounts payable within one year42/48€29k€102k▲
Current portion of amounts payable after more than one year42€18k€45k▲
Trade debts44€2k€44▼
Suppliers440/4€2k€44▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€4k€54k▲
Accrued charges and deferred income492/3€288€288=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€64k▲
Other operating charges640/8€14k€2k▼
Gross operating margin9900€89k€112k▲
Operating profit (loss)9901€44k€47k▲
Financial income75/76B€121€625▲
Recurring financial income75€121€625▲
Financial charges65/66B€21k€16k▼
Recurring financial charges65€21k€16k▼
Profit (loss) for the period before taxes9903€23k€32k▲
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€16k€25k▲
Profit (loss) for the period to be appropriated9905€16k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€25k▲
Transfer to equity691/2€16k€25k▲
To other reserves6921€16k€25k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.34
Current ratio from 1.22 to 3.34; short-term debt falls from €76k to €27k.
31-12
Financial
Equity above €200kEq €220k ▲12.3%
6 profitable years in a row build equity to €220k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €14k ▼39.8%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €161k ▲16.7%
3 profitable years in a row build equity to €161k.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
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, Knokke-Heist · 1 establishment unit since 2013
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.
't Walletje 698300 Knokke-HeistGround area
2,996 m²
Building footprint
2,017 m²
Volume, LiDAR
13,246 m³
Parcel 31039F0126/00Z002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAFIL
since 20132.224.823.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039F0126/00Z002 | Flanders | 2,996 m² | 1 · 2,017 m² | 9.0 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.