Active BE 0759.963.623Private limited company

Lahaye Marbrerie

Rue de l'Industrie 0 ·6940 Durbuy, Belgium· 5 yrs active

Sector: Houwen, bewerken en afwerken van natuursteen (23700)

Conclusion Checked

The computed 12-month bankruptcy probability of Lahaye Marbrerie is 1.0% (low). The 2025 annual accounts show equity of €49k and a net result of €4k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 53 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€49k
Net result	€4k
Better than sector	17%
Active	5 yrs

Financial profile 5 of 5 axes measured · computed by Checked

51 / 100

Mixed profile: strong on stability, weaker on solvency.

All 5 axes are computed from data Checked has read.

Health 36

Profitability 38

Solvency 11

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

1.0% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, 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 Flags0 events

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.

Health barometer FY 2025 · computed

36 / 100 Weak

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 2025. Indicative, not credit advice.

Financial overview5 NBB filings

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~27.2%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 23 · compared across all schema types (micro, abbreviated and full combined)

Metric	This company	Sector median	Position in the sector
Solvency	4.3%	43.4%	better than 17% of 53 sector peers
Net result	€4k	€25k	better than 31% of 53 sector peers
Equity	€49k	€91k	better than 40% of 53 sector peers
Gross operating margin	€222k	€93k	better than 72% of 50 sector peers
Staff costs	€150k	€130k	higher than 54% of 31 sector peers

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

EBITDA

€72k

-5.1% 21-25

Net profit

€4k

-33.6% 21-25

Cash flow

€57k

-2.2% 21-25

Total assets

€1.14M

+22.4% 21-25

Equity

€49k

+8.1% 21-25

Working capital

€-110k

-22.8% 21-25

Employees (FTE)

1

0.0% 21-25

Staff costs

€150k

+15.3% 21-25

Show 10 other metrics

Debt

€1.09M

+23.1% 21-25

Debt ≤ 1y

€834k

+48.1% 21-25

Debt > 1y

€256k

-20.1% 21-25

Current ratio

0.87

+3.2% 21-25

Quick ratio

0.58

+0.2% 21-25

Solvency

4.3%

-11.7% 21-25

Debt / equity

22.38

+13.9% 21-25

ROE

7.5%

-38.6% 21-25

ROA

0.3%

-45.8% 21-25

Interest coverage

4.83

+11.2% 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€72k
Net profit	€4k
Cash flow	€57k
Staff costs	€150k
Income taxes	-
Dividends	-
Total assets	€1.14M
Equity	€49k
Debt	€1.09M
of which ≤ 1y	€834k
of which > 1y	€256k
Working capital	€-110k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.87
Quick ratio	0.58
Working capital ratio	-9.6%
Solvency	4.3%
Debt / equity	22.38
Long-term debt ratio	5.25
Interest coverage	4.83
Gross margin	-
Net margin	-
ROA	0.3%
ROE	7.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €419k · 36.7% Current assets €724k · 63.3%

Equity & liabilities

Equity €49k · 4.3% Debt €1.09M · 95.7%

Full annual accounts (22 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.14M
Fixed assets	21/28	€419k
Tangible fixed assets	22/27	€419k
Current assets	29/58	€724k
Stocks & contracts in progress	3	€244k
Amounts receivable within one year	40/41	€479k
Cash & bank	54/58	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.14M
Equity	10/15	€49k
Contributions / capital	10/11	€130k
Accumulated profits (losses)	14	€-81k
Amounts payable	17/49	€1.09M
Amounts payable after one year	17	€256k
Amounts payable within one year	42/48	€834k
Trade debts payable within one year	44	€607k
Income statement
Gross operating margin	9900	€222k
Operating result	9901	€19k
Financial income	75	€50
Financial charges	65	€15k
Result before taxes	9903	€4k
Net result for the period	9904	€4k
Result to be appropriated	9905	€4k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Houwen, bewerken en afwerken van natuursteen(23700)
Legal form	Private limited company(610)
Incorporation	18-12-2020
Status	Active
Postal code	6940

Establishment units 1 location

LAHAYE MARBRERIE

Rue de l'Industrie 42, 6940 DurbuyHouwen, bewerken en afwerken van natuursteen

since 20202.311.794.070

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

Real-estate footprint Source: CBE × cadastre

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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
83004C0374/00R012	Wallonia	2,521 m²	-	-
83004C0374/00M013	Wallonia	1,750 m²	1 · 626 m²	-

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.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

30-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · volledig

2025

03-02-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

29-04-2024

State Gazette act Capital & shares

Louis Frédéric URBIN-CHOFFRAY

26-04-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2022

12-12-2022

NBB filing Annual accounts filed

fiscal year 2022 · volledig

07-01-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

29-04-2024

Capital change

All acts · 1 updated 2 years ago

2024

29-04-2024 Capital increase of €147,693.71 to €277,693.71 Capital & shares·Louis Frédéric URBIN-CHOFFRAY

€130.000 → €277.693,71
3 kapitaalbewegingen in deze akte

Notary: Louis Frédéric URBIN-CHOFFRAY · Esneux

Original publication ↗

Technical details

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  "bedrijfsrevisor": {
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    "firm_name": "VDM, R\u00E9viseurs d\u2019entreprises",
    "ibr_number": null,
    "mission_type": "apport_nature",
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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Houwen, bewerken en afwerken van natuursteen23700

Primary activity highlighted.

Names & trade names

Legal nameFR

Lahaye Marbrerie

Registered office

Rue de l'Industrie 0

6940 Durbuy, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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