LAL

Active

Private limited companyfounded 20224 yrs activeVerenigingsstraat 4, 1502 Halle, BelgiumKBO/BCE: BE 0781.937.685

The computed 12-month bankruptcy probability of LAL is 2.7% (moderate). The 2025 annual accounts show equity of €92k and a net result of €73k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 36% of 4604 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability94▲+8

Solvency50▼-15

Growth78=

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity tight (current ratio 1.19 against 1.79 in 2024; short-term debt: 37.3% and cash: 17% of total assets), and 74.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

25.4%

Return on assets

20.3%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

32 d early

2024

46 d early

2023

24 d late

2022

29 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€92k▲ 21.4%

2024 · €75k

2022: €16k 2023: €49k 2024: €75k

2022 → 2025

Total assets

€360k▲ 90.5%

2024 · €189k

2022: €39k 2023: €178k 2024: €189k

2022 → 2025

Net result

€73k▲ 173%

2024 · €27k

2022: €13k 2023: €43k 2024: €27k

2022 → 2025

Working capital

€25k▼ 37.6%

2024 · €40k

2022: €18k 2023: €8k 2024: €40k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€16k-€49k▲ 210%€75k▲ 55.1%€92k▲ 21.4%

Operating result€19k-€50k▲ 172%€41k▼ 19.4%€91k▲ 125%

Net result€13k-€43k▲ 238%€27k▼ 37.6%€73k▲ 173%

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 125% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €360k

55.7%

44.3%

Fixed assets €201k▲ 104%

Current assets €159k▲ 76.4%

Equity and liabilities €360k

25.4%

74.6%

Equity €92k▲ 21.4%

Debt €269k▲ 136%

The debt ratio rises from 60.1% to 74.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€123k▲

2024 · €66k

Cash flow

€105k▲

2024 · €52k

Solvency

25.4%▼

2024 · 39.9%

Current ratio

1.19▼

2024 · 1.79

Quick ratio

1.19▼

2024 · 1.79

Debt / equity

2.93▲

2024 · 1.51

ROE

80.0%▲

2024 · 35.5%

ROA

20.3%▲

2024 · 14.2%

Interest coverage

19.09▲

2024 · 9.70

Debt

€269k▲

2024 · €114k

Debt ≤ 1 year

€134k▲

2024 · €50k

Debt > 1 year

€134k▲

2024 · €63k

Income taxes

€13k▲

2024 · €7k

Staff costs

€94k▲

2024 · €63k

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€189k€360k▲

Fixed assets21/28€99k€201k▲

Tangible fixed assets22/27€99k€201k▲

Furniture and vehicles24-€2k

Leasing and similar rights25€99k€198k▲

Current assets29/58€90k€159k▲

Amounts receivable within one year40/41€60k€95k▲

Trade receivables40€55k€61k▲

Other amounts receivable41€5k€34k▲

Cash at bank and in hand54/58€31k€61k▲

Deferred charges and accrued income490/1-€3k

Equity and liabilities

Total equity and liabilities10/49€189k€360k▲

Equity10/15€75k€92k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€72k€89k▲

Amounts payable17/49€114k€269k▲

Amounts payable after more than one year17€63k€134k▲

Financial debts170/4€63k€134k▲

Amounts payable within one year42/48€50k€134k▲

Current portion of amounts payable after more than one year42€20k€43k▲

Trade debts44€11k€13k▲

Suppliers440/4€11k€13k▲

Taxes, remuneration and social security45€19k€22k▲

Taxes450/3€8k€11k▲

Remuneration and social security454/9€11k€10k▼

Other amounts payable47/48-€57k

Income statement Code20242025

Remuneration, social security and pensions62€63k€94k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€32k▲

Other operating charges640/8€121€400▲

Gross operating margin9900€129k€218k▲

Operating profit (loss)9901€41k€91k▲

Financial income75/76B€5€1k▲

Recurring financial income75€5€1k▲

Financial charges65/66B€7k€6k▼

Recurring financial charges65€7k€6k▼

Profit (loss) for the period before taxes9903€34k€86k▲

Income taxes67/77€7k€13k▲

Profit (loss) for the period9904€27k€73k▲

Profit (loss) for the period to be appropriated9905€27k€73k▲

Appropriation of the result

Profit (loss) to be appropriated9906€72k€146k▲

Profit (loss) brought forward from the previous period14P€46k€72k▲

Profit to be distributed694/7-€57k

Return on contributions (dividend)694-€47k

Directors or managers695-€10k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2022net €73k ▲173%

Operating result €91k, net result €73k, both a record.

15-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 24 days late

2023

02-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Halle · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Verenigingsstraat 41502 Halle

Ground area

118 m²

Building footprint

50 m²

Volume, LiDAR

335 m³

Parcel 23043B0385/00X005, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

LAL

Verenigingsstraat 4, 1502 HalleFreight transport by road

since 20222.328.095.515

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23043B0385/00X005	Flanders	118 m²	1 · 50 m²	8.4 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.

Similar companies · same sector, comparable size

MEG-Transport

BE 0766.350.280

Sint-Agatha-Berchem · Eq €92k

XL - Xavier Logistics

BE 0884.912.687

Zonnebeke · Eq €91k

Of 12,606 companies in sector 49410 we hold annual accounts for 8,203. 6,326 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-02-2022

Fiscal year end31-12

Activities, NACEBEL

49410Freight transport by road

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.