LALU has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €494k and a net result of €245k. Equity is growing by ~24.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Axes, FY 2023 · tick = 2022
Profitability100▲+24
Solvency78▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
52.6%
Return on assets
26.1%
Age of the figures
33 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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
not confirmed
2024
57 d late
2023
58 d early
2022
60 d early
2021
9 d late
2020
27 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€494k▲ 73.5%
2022 · €284k
2018: €149k
2019: €136k
2020: €179k
2021: €245k
2022: €284k
2018 → 2023
Total assets
€938k▲ 26.3%
2022 · €742k
2018: €809k
2019: €741k
2020: €749k
2021: €717k
2022: €742k
2018 → 2023
Net result
€245k▲ 509%
2022 · €40k
2018: €80
2019: €-12k
2020: €45k
2021: €67k
2022: €40k
2018 → 2023
Working capital
€329k
2022 · €-42k
2018: €-51k
2019: €-43k
2020: €-98k
2021: €-32k
2022: €-42k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€136k-€179k▲ 32.0%€245k▲ 36.8%€284k▲ 16.0%€494k▲ 73.5%
Operating result€15k-€80k▲ 430%€104k▲ 30.3%€67k▼ 35.1%€337k▲ 401%
Net result€-12k-€45k€67k▲ 50.4%€40k▼ 40.0%€245k▲ 509%
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 2023; 2023 is 401% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €938k
Fixed assets
€430k▼ 21.4%
Current assets
€508k▲ 160%
Equity and liabilities €938k
Equity
€494k▲ 73.5%
Provisions
€63k▲ 1,753%
Debt
€382k▼ 16.0%
The debt ratio falls from 61.2% to 40.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€391k▲
2022 · €128k
Cash flow
€299k▲
2022 · €101k
Solvency
52.6%▲
2022 · 38.3%
Current ratio
2.83▲
2022 · 0.82
Quick ratio
2.29▲
2022 · 0.38
Debt / equity
0.77▼
2022 · 1.60
ROE
49.6%▲
2022 · 14.1%
ROA
26.1%▲
2022 · 5.4%
Interest coverage
26.84▲
2022 · 8.38
Debt
€382k▼
2022 · €455k
Debt ≤ 1 year
€179k▼
2022 · €237k
Debt > 1 year
€203k▼
2022 · €217k
Income taxes
€22k▲
2022 · €17k
Staff costs
€85k▼
2022 · €90k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€742k€938k▲
Fixed assets21/28€547k€430k▼
Intangible fixed assets21€406€31▼
Tangible fixed assets22/27€547k€430k▼
Land and buildings22€87k€0▼
Plant, machinery and equipment23€22k€30k▲
Furniture and vehicles24€14k€20k▲
Leasing and similar rights25€12k€8k▼
Other tangible fixed assets26€413k€371k▼
Current assets29/58€195k€508k▲
Stocks and contracts in progress3€104k€97k▼
Stocks30/36€104k€97k▼
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€73€512▲
Other amounts receivable41€3k€3k▲
Current investments50/53€82€0▼
Cash at bank and in hand54/58€71k€397k▲
Deferred charges and accrued income490/1€17k€11k▼
Equity and liabilities
Total equity and liabilities10/49€742k€938k▲
Equity10/15€284k€494k▲
Contributions10/11€19k€19k=
Reserves13€258k€468k▲
Tax-exempt reserves132€23k€202k▲
Distributable reserves133€235k€266k▲
Profit (loss) carried forward14-€0
Investment grants15€8k€7k▼
Provisions and deferred taxes16€3k€63k▲
Deferred taxes168€3k€63k▲
Amounts payable17/49€455k€382k▼
Amounts payable after more than one year17€217k€203k▼
Financial debts170/4€213k€180k▼
Other amounts payable178/9€4k€22k▲
Amounts payable within one year42/48€237k€179k▼
Current portion of amounts payable after more than one year42€73k€70k▼
Financial debts43€40k€0▼
Credit institutions430/8€40k€0▼
Trade debts44€65k€19k▼
Suppliers440/4€65k€19k▼
Taxes, remuneration and social security45€60k€66k▲
Taxes450/3€41k€48k▲
Remuneration and social security454/9€19k€18k▼
Other amounts payable47/48-€24k
Accrued charges and deferred income492/3€633€0▼
Income statement
Code20222023
Non-recurring operating income76A-€238k
Remuneration, social security and pensions62€90k€85k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€54k▼
Other operating charges640/8€7k€6k▼
Non-recurring operating charges66A-€20
Gross operating margin9900€225k€482k▲
Operating profit (loss)9901€67k€337k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€56k€326k▲
Transfer from deferred taxes780€438€438=
Transfer to deferred taxes680-€60k
Income taxes67/77€17k€22k▲
Profit (loss) for the period9904€40k€245k▲
Transfer to tax-exempt reserves689-€179k
Profit (loss) for the period to be appropriated9905€40k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€66k▲
Transfer to equity691/2€40k€31k▼
To other reserves6921€40k€31k▼
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €245k ▲509%
Operating result €337k, net result €245k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.83
Current ratio from 0.82 to 2.83; short-term debt falls from €237k to €179k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Equity above €200kEq €245k ▲36.8%
2 profitable years in a row build equity to €245k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
31-12
Financial
Equity above €150kEq €179k ▲32%
Equity rises from €136k to €179k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €-12k ▼15004%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
2016
13-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Beringen · 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.
Burgemeester Leyssensstraat 363582 BeringenGround area
1,567 m²
Building footprint
528 m²
Volume, LiDAR
1,130 m³
2 parcels, Flanders · tallest building 19.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK KARINE
since 20032.114.798.750
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71029B2119/00W000 | Flanders | 841 m² | 1 · 184 m² | 19.8 m · 2 fl. |
| 71025A1100/00H004 | Flanders | 726 m² | 1 · 344 m² | - |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,076 EUR awarded · 1,076 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 266 EUR | 266 EUR |
| 2022 | 1 | 810 EUR | 810 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
BOGAERT OPTIEK
BE 0813.221.076
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OPTIEK PHILIPPE PEETERS
BE 0457.357.671
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IRIS GALERIE BELGIQUE
BE 0782.859.185
Brussel · Eq €492k
DUCHICO
BE 1003.682.160
Merelbeke-Melle · Eq €492k
OPTIEK JACQUES
BE 0472.883.908
Zottegem · Eq €497k
Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2002
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
82990Other business support services
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.