Laloux Stores
ActiveThe computed 12-month bankruptcy probability of Laloux Stores is 1.8% (moderate). The 2025 annual accounts show equity of €26k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 16% of 10230 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability33▲+33
Solvency13▲+1
Growth52▲+20
Stability94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.93 in 2024), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.1%
Return on assets
0.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 10230 sector peers (2025).
NBB · sector comparisonPosition among 10230 sector peers
Solvency
better than 16%
← weakest
strongest →
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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
1 d late
2023
37 d late
2022
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k
2024 · €-2k
2022: €6k
2023: €438
2024: €-2k
2022 → 2025
Working capital
€-23k▲ 25.6%
2024 · €-31k
2022: €-148k
2023: €-123k
2024: €-31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€26k▲ 1.7%€24k▼ 7.0%€26k▲ 7.1%
Operating result€21k-€17k▼ 20.8%€175k▲ 952%€105k▼ 40.3%
Net result€6k-€438▼ 92.2%€-2k€2k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €511k
Fixed assets
€210k▼ 31.6%
Current assets
€300k▼ 29.4%
Equity and liabilities €511k
Equity
€26k▲ 7.1%
Debt
€485k▼ 31.6%
The debt ratio falls from 96.7% to 94.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€211k▼
2024 · €278k
Cash flow
€108k▲
2024 · €101k
Solvency
5.1%▲
2024 · 3.3%
Current ratio
0.93▼
2024 · 0.93
Quick ratio
0.87▼
2024 · 0.88
Debt / equity
18.64▼
2024 · 29.18
ROE
6.6%▲
2024 · -7.5%
ROA
0.3%▲
2024 · -0.2%
Interest coverage
12.41▼
2024 · 14.27
Debt
€485k▼
2024 · €708k
Debt ≤ 1 year
€323k▼
2024 · €456k
Debt > 1 year
€155k▼
2024 · €246k
Income taxes
€27k▼
2024 · €34k
Staff costs
€457k▼
2024 · €468k
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€732k€511k▼
Fixed assets21/28€307k€210k▼
Intangible fixed assets21€168k€116k▼
Tangible fixed assets22/27€139k€94k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€87k€60k▼
Leasing and similar rights25€0-
Other tangible fixed assets26€52k€34k▼
Financial fixed assets28€415€415=
Current assets29/58€425k€300k▼
Stocks and contracts in progress3€22k€19k▼
Stocks30/36€20k€12k▼
Contracts in progress37€2k€6k▲
Amounts receivable within one year40/41€395k€241k▼
Trade receivables40€345k€220k▼
Other amounts receivable41€49k€21k▼
Cash at bank and in hand54/58€4k€27k▲
Deferred charges and accrued income490/1€5k€13k▲
Equity and liabilities
Total equity and liabilities10/49€732k€511k▼
Equity10/15€24k€26k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€4k€6k▲
Amounts payable17/49€708k€485k▼
Amounts payable after more than one year17€246k€155k▼
Financial debts170/4€246k€155k▼
Amounts payable within one year42/48€456k€323k▼
Current portion of amounts payable after more than one year42€131k€91k▼
Financial debts43€125k€125k=
Credit institutions430/8€125k€125k=
Trade debts44€127k€46k▼
Suppliers440/4€127k€46k▼
Advances received on contracts in progress46€22k€13k▼
Taxes, remuneration and social security45€49k€47k▼
Taxes450/3€16k€19k▲
Remuneration and social security454/9€32k€28k▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€6k€6k=
Income statement
Code20242025
Non-recurring operating income76A€5k€0▼
Remuneration, social security and pensions62€468k€457k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€106k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€501€0▼
Gross operating margin9900€752k€673k▼
Operating profit (loss)9901€175k€105k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€145k€81k▼
Recurring financial charges65€19k€17k▼
Non-recurring financial charges66B€126k€64k▼
Profit (loss) for the period before taxes9903€33k€29k▼
Income taxes67/77€34k€27k▼
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€6k▲
Profit (loss) brought forward from the previous period14P€6k€4k▼
Social balance
Average headcount (FTE)90879.78.5▼
The notes to these accounts (25 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 · abbreviated schema · 25 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 1 day late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼517%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 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, Marche-en-Famenne · 1 establishment unit since 2021
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.
Marche, Rue du Commerce 36900 Marche-en-FamenneGround area
574 m²
Building footprint
82 m²
Parcel 83034A0375/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Laloux Stores
since 20212.316.636.647
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0375/00V000 ProtectedMonument |
Wallonia | 574 m² | 1 · 82 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2021
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47519Retail trade
43240Other construction installation
43299Specialised construction activities
46412Wholesale of household textiles and bedding
46833Wholesale trade
74109Other professional, scientific and technical activities
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.