LaLo
ActiveSummary
LaLo 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 €10k and a net result of €-1k. Equity is shrinking by ~51.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 23% of 2435 sector peers (fiscal year 2025). The company has been active since 2022 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
7 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 12.5%
2024 · €12k
2023: €23k
2024: €12k
2023 → 2025
Net result
€-1k▲ 86.1%
2024 · €-11k
2023: €20k
2024: €-11k
2023 → 2025
Total assets
€62k▼ 3.3%
2024 · €64k
2023: €50k
2024: €64k
2023 → 2025
Solvency
16.9%▼ 1.8pp
2024 · 18.7%
2023: 45.1%
2024: 18.7%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€12k▼ 47.5%€10k▼ 12.5%
Operating result€34k-€-555€15k
Net result€20k-€-11k€-1k▲ 86.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €555 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€29k ▲ 1,900%
Current assets
€32k ▼ 48.2%
Equity and liabilities €62k
Equity
€10k ▼ 12.5%
Debt
€51k ▼ 1.2%
Debt's share of the balance-sheet total rises from 81.3% to 83.1%. Equity and debt are lower.
Key figures and ratios
ROE
-14.3%▲
2024 · -90.4%
ROA
-2.4%▲
2024 · -16.9%
Debt ≤ 1 year
€22k▼
2024 · €26k
Debt > 1 year
€30k▲
2024 · €26k
Income taxes
€5k▲
2024 · €4k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€62k▼
Formation expenses20€628€386▼
Fixed assets21/28€1k€29k▲
Tangible fixed assets22/27€1k€29k▲
Land and buildings22€1k€29k▲
Furniture and vehicles24€0-
Current assets29/58€62k€32k▼
Amounts receivable within one year40/41€42k€22k▼
Trade receivables40€9k€0▼
Other amounts receivable41€33k€22k▼
Cash at bank and in hand54/58€20k€9k▼
Deferred charges and accrued income490/1€609€515▼
Equity and liabilities
Total equity and liabilities10/49€64k€62k▼
Equity10/15€12k€10k▼
Contributions10/11€3k€3k=
Reserves13€9k€7k▼
Distributable reserves133€9k€7k▼
Amounts payable17/49€52k€51k▼
Amounts payable after more than one year17€26k€30k▲
Financial debts170/4€26k€30k▲
Amounts payable within one year42/48€26k€22k▼
Current portion of amounts payable after more than one year42€11k€8k▼
Financial debts43€4k€0▼
Credit institutions430/8€4k€0▼
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€7k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€682€3k▲
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A€10k€0▼
Gross operating margin9900€14k€23k▲
Operating profit (loss)9901€-555€15k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€-7k€4k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€-11k€-1k▲
Profit (loss) for the period to be appropriated9905€-11k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-1k▲
Transfer from equity791/2€11k€1k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (7 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-11k ▼155%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
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, Dilsen-Stokkem · 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.
Stokkemerbaan 183650 Dilsen-StokkemGround area
243 m²
Building footprint
106 m²
Volume, LiDAR
587 m³
Parcel 72005A0487/00D002, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LaLo
since 20222.327.746.711
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005A0487/00D002 | Flanders | 243 m² | 1 · 106 m² | 7.5 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
CABEX Assurances & Finances
BE 0823.775.666
Perwez · Eq €10,535
BELTONIC
BE 1025.767.872
Pittem · Eq €10,585
ALEON
BE 0773.747.521
Huldenberg · Eq €10,621
Arol Consult
BE 0695.572.944
Seraing · Eq €10,263
Ovaaldesign
BE 0758.456.460
Deinze · Eq €10,690
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,033 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
Founded09-02-2022
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
47120Other non-specialised retail sale
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47783Retail trade
66210Risk and damage evaluation
66290Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.