Summary
LAHOUSSE 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 €983k and a net result of €201k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 2435 sector peers (fiscal year 2025). The company has been active since 1999 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
37 d early
2023
7 d late
2022
6 d early
2021
6 d early
2020
25 d late
2019
3 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
€983k▲ 25.5%
2024 · €783k
2018: €382k
2019: €456k
2020: €507k
2021: €576k
2022: €632k
2023: €669k
2024: €783k
2018 → 2025
Net result
€201k▲ 75.6%
2024 · €114k
2018: €10k
2019: €73k
2020: €86k
2021: €105k
2022: €91k
2023: €38k
2024: €114k
2018 → 2025
Total assets
€2.12M▲ 16.2%
2024 · €1.82M
2018: €960k
2019: €1.07M
2020: €1.27M
2021: €1.31M
2022: €1.50M
2023: €1.65M
2024: €1.82M
2018 → 2025
Solvency
46.4%▲ 3.5pp
2024 · 43.0%
2018: 39.8%
2019: 42.7%
2020: 39.9%
2021: 44.0%
2022: 42.2%
2023: 40.6%
2024: 43.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€576k-€632k▲ 9.7%€669k▲ 5.9%€783k▲ 16.9%€983k▲ 25.5%
Operating result€146k-€125k▼ 14.3%€78k▼ 37.6%€190k▲ 143%€287k▲ 51.0%
Net result€105k-€91k▼ 13.5%€38k▼ 58.0%€114k▲ 200%€201k▲ 75.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.12M
Fixed assets
€1.44M ▲ 7.1%
Current assets
€678k ▲ 41.6%
Equity and liabilities €2.12M
Equity
€983k ▲ 25.5%
Debt
€1.13M ▲ 9.1%
Debt's share of the balance-sheet total falls from 57.0% to 53.6%. Equity and debt are higher.
Key figures and ratios
ROE
20.4%▲
2024 · 14.6%
ROA
9.5%▲
2024 · 6.3%
Debt ≤ 1 year
€291k▲
2024 · €236k
Debt > 1 year
€839k▲
2024 · €796k
Income taxes
€88k▲
2024 · €55k
Staff costs
€239k▲
2024 · €229k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.82M€2.12M▲
Fixed assets21/28€1.34M€1.44M▲
Intangible fixed assets21€34€0▼
Tangible fixed assets22/27€1.34M€1.44M▲
Land and buildings22€1.33M€1.43M▲
Furniture and vehicles24€9k€5k▼
Current assets29/58€479k€678k▲
Amounts receivable within one year40/41€2-
Other amounts receivable41€2-
Current investments50/53€200k€100k▼
Cash at bank and in hand54/58€166k€472k▲
Deferred charges and accrued income490/1€113k€106k▼
Equity and liabilities
Total equity and liabilities10/49€1.82M€2.12M▲
Equity10/15€783k€983k▲
Contributions10/11€6k€6k=
Reserves13€777k€976k▲
Tax-exempt reserves132€38k€38k=
Distributable reserves133€739k€939k▲
Amounts payable17/49€1.04M€1.13M▲
Amounts payable after more than one year17€796k€839k▲
Financial debts170/4€796k€839k▲
Amounts payable within one year42/48€236k€291k▲
Current portion of amounts payable after more than one year42€74k€77k▲
Financial debts43€5k€26k▲
Credit institutions430/8€5k€26k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€79k€109k▲
Taxes450/3€31k€58k▲
Remuneration and social security454/9€48k€50k▲
Other amounts payable47/48€72k€76k▲
Accrued charges and deferred income492/3€8k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€1k-
Remuneration, social security and pensions62€229k€239k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€103k▼
Other operating charges640/8€8k€7k▼
Gross operating margin9900€533k€636k▲
Operating profit (loss)9901€190k€287k▲
Financial income75/76B€6k€29k▲
Recurring financial income75€6k€29k▲
Financial charges65/66B€26k€27k▲
Recurring financial charges65€26k€27k▲
Profit (loss) for the period before taxes9903€170k€289k▲
Income taxes67/77€55k€88k▲
Profit (loss) for the period9904€114k€201k▲
Profit (loss) for the period to be appropriated9905€114k€201k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€201k▲
Transfer to equity691/2€113k€200k▲
To other reserves6921€113k€200k▲
Profit to be distributed694/7€909€908▼
Return on contributions (dividend)694€909€908▼
The notes to these accounts (14 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €201k ▲75.6%
Operating result €287k, net result €201k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €500kEq €507k ▲11.2%
3 profitable years in a row build equity to €507k.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Heuvelland · 1 establishment unit since 2003
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.
Ieperstraat(Wijtsch) 1248953 HeuvellandGround area
1,298 m²
Building footprint
261 m²
Volume, LiDAR
766 m³
Parcel 33032E0666/00V009, Flanders · tallest building 4.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lahousse
since 20032.132.689.411
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33032E0666/00V009 | Flanders | 1,298 m² | 1 · 261 m² | 4.3 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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CHANTAL KNIPPENBERG
BE 0478.756.960
Antwerpen · Eq €975k
FINANCE TEAM
BE 0478.381.036
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Maniquet Els
BE 0504.849.564
Kortenaken · Eq €971k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 871 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
Founded13-08-1999
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.