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LANOR

Active
Private limited companyfounded 198937 yrs activeKasteelstraat 2A, 9140 Temse, BelgiumKBO/BCE: BE 0437.855.030
Summary

LANOR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52,517 and a net result of -€873. Equity is shrinking by ~9.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability67▲+8
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
cash: 1.3% of total assets, and 0% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 37 years 0 40 y
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 2024
Solvency, return and age of the figures
Solvency
100%
Return on assets
-1.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
43 d early
2024
31 d early
2023
19 d early
2022
25 d late
2021
5 d late
2020
5 d early
2019
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 10 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 13 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

LANOR was incorporated on 23 June 1989.1 Total assets fell from EUR 222,193 in 2018 to EUR 52,517 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity
€52,517▼ 1.6%
2023 · €53,390
Total assets
€52,517▼ 2.2%
2023 · €53,719
Net result
-€873▲ 78.7%
2023 · -€4,095
Working capital
€27,686▲ 985%
2021 · €2,551
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€8,382=-€6,617▲ 21.1%-€6,185▲ 6.5%-€4,366▲ 29.4%-€860▲ 80.3%
Net result-€9,380=-€7,035▲ 25.0%-€6,280▲ 10.7%-€4,095▲ 34.8%-€873▲ 78.7%
Equity€77,347▼ 10.8%€63,766▼ 17.6%€57,486▼ 9.8%€53,390▼ 7.1%€52,517▼ 1.6%
Total assets€121,798▼ 15.2%€76,564▼ 37.1%€57,486▼ 24.9%€53,719▼ 6.6%€52,517▼ 2.2%
Debt€44,452▼ 21.8%€12,799▼ 71.2%€329
Working capital-€25,034▲ 30.5%€2,551€27,686
Staff (FTE)
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€7,500-€5,000-€2,500€0Operating result 2020: -€8,382-€8,382Net result 2020: -€9,380-€9,380Operating result 2021: -€6,617-€6,617Net result 2021: -€7,035-€7,035Operating result 2022: -€6,185-€6,185Net result 2022: -€6,280-€6,280Operating result 2023: -€4,366-€4,366Net result 2023: -€4,095-€4,095Operating result 2024: -€860-€860Net result 2024: -€873-€87320202021202220232024-€8,000-€6,000-€4,000-€2,000€0Operating result 2022: -€6,185-€6,190Net result 2022: -€6,280-€6,280Operating result 2023: -€4,366-€4,370Net result 2023: -€4,095-€4,100Operating result 2024: -€860-€860Net result 2024: -€873-€873202220232024
The operating result stays negative: a loss of €860 in 2024 against €4,366 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €52,517
Fixed assets €11,844 ▼ 53.9%
Current assets €40,673 ▲ 45.2%
Key figures and ratios
2024 value · change against 2023
EBITDA
€13,001▲
2023 · €10,960
Cash flow
€12,987▲
2023 · €11,230
Solvency
100.0%▲
2023 · 99.4%
ROE
-1.7%▲
2023 · -7.7%
ROA
-1.7%▲
2023 · -7.6%
Interest coverage
963.02▼
2023 · 1217.74
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.5% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 34 lines
Balance sheet Code20232024
Assets
Total assets20/58€53,719€52,517▼
Fixed assets21/28€25,704€11,844▼
Tangible fixed assets22/27€25,704€11,844▼
Land and buildings22€25,704€11,844▼
Current assets29/58€28,015€40,673▲
Amounts receivable within one year40/41€23,117€39,998▲
Other amounts receivable41€23,117€39,998▲
Cash at bank and in hand54/58€4,899€675▼
Equity and liabilities
Total equity and liabilities10/49€53,719€52,517▼
Equity10/15€53,390€52,517▼
Contributions10/11€18,600€18,600=
Reserves13€34,297€34,297=
Non-distributable reserves130/1€1,860-
Reserves not available under the articles1311€1,860-
Tax-exempt reserves132€28,447€28,447=
Distributable reserves133€3,990€5,850▲
Profit (loss) carried forward14€493-€380▼
Amounts payable17/49€329-
Amounts payable within one year42/48€329-
Trade debts44€329-
Suppliers440/4€329-
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15,326€13,861▼
Other operating charges640/8€2,687€2,545▼
Gross operating margin9900€13,647€15,546▲
Operating profit (loss)9901-€4,366-€860▲
Financial income75/76B€280-
Recurring financial income75€280-
Financial charges65/66B€9€14▲
Recurring financial charges65€9€14▲
Profit (loss) for the period before taxes9903-€4,095-€873▲
Profit (loss) for the period9904-€4,095-€873▲
Profit (loss) for the period to be appropriated9905-€4,095-€873▲
Appropriation of the result
Profit (loss) to be appropriated9906€493-€380▼
Profit (loss) brought forward from the previous period14P€4,589€493▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,860€20,583€20,185€15,326€13,861▼ 9.6%
Other operating charges640/8-€2,079€1,773€2,687€2,545▼ 5.3%
Gross operating margin9900€16,828€16,045€15,772€13,647€15,546▲ 13.9%
Operating profit (loss)9901-€8,382-€6,617-€6,185-€4,366-€860▲ 80.3%
Financial income75/76B--€16€280--
Recurring financial income75€0-€16€280--
Financial charges65/66B-€418€111€9€14▲ 50.0%
Recurring financial charges65€998€418€111€9€14▲ 50.0%
Profit (loss) for the period before taxes9903-€9,380-€7,035-€6,280-€4,095-€873▲ 78.7%
Income taxes67/77€0-----
Profit (loss) for the period9904-€9,380-€7,035-€6,280-€4,095-€873▲ 78.7%
Profit (loss) for the period to be appropriated9905-€9,380-€7,035-€6,280-€4,095-€873▲ 78.7%
Line20202021202220232024Change
Assets
Total assets20/58€121,798€76,564€57,486€53,719€52,517▼ 2.2%
Formation expenses20€0-----
Fixed assets21/28€102,381€61,215€41,030€25,704€11,844▼ 53.9%
Intangible fixed assets21€0-----
Tangible fixed assets22/27€102,381€61,215€41,030€25,704€11,844▼ 53.9%
Land and buildings22-€61,215€41,030€25,704€11,844▼ 53.9%
Financial fixed assets28€0-----
Current assets29/58€19,417€15,349€16,456€28,015€40,673▲ 45.2%
Stocks and contracts in progress3€0-----
Amounts receivable within one year40/41--€4,576€23,117€39,998▲ 73.0%
Other amounts receivable41--€4,576€23,117€39,998▲ 73.0%
Current investments50/53€0-----
Cash at bank and in hand54/58€19,417€15,349€11,880€4,899€675▼ 86.2%
Equity and liabilities
Total equity and liabilities10/49€121,798€76,564€57,486€53,719€52,517▼ 2.2%
Equity10/15€77,347€63,766€57,486€53,390€52,517▼ 1.6%
Contributions10/11-€18,600€18,600€18,600€18,600=
Reserves13€34,297€34,297€34,297€34,297€34,297=
Non-distributable reserves130/1-€1,860€1,860€1,860--
Reserves not available under the articles1311-€1,860€1,860€1,860--
Tax-exempt reserves132-€28,447€28,447€28,447€28,447=
Distributable reserves133-€3,990€3,990€3,990€5,850▲ 46.6%
Profit (loss) carried forward14€33,829€10,869€4,589€493-€380▼ 177%
Amounts payable17/49€44,452€12,799-€329--
Amounts payable within one year42/48€44,452€12,799-€329--
Trade debts44---€329--
Suppliers440/4---€329--
Other amounts payable47/48-€12,799----
Line20202021202220232024Change
Profit (loss) for the period9904-€9,380-€7,035-€6,280-€4,095-€873▲ 78.7%
+ Depreciation and write-downs630€20,860€20,583€20,185€15,326€13,861▼ 9.6%
Operating cash flow (approximation)€11,480€13,548€13,905€11,230€12,987▲ 15.6%
Investment in fixed assets (approximation)-€20,583€0€0€0-
Change in cash--€4,068-€3,469-€6,981-€4,223▲ 39.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
18-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
05-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 5 days late
2021
31-12
Financial Liquidity triplescurrent ratio 1.20
Current ratio from 0.44 to 1.20; short-term debt falls from €44,452 to €12,799.
26-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
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.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 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, Temse · 1 establishment unit since 1989
seat establishment The establishment unit on the map
Ground area
928 m²
Building footprint
132 m²
Volume, LiDAR
1,746 m³
Parcel 46302D0309/00E000, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TANDARTSENKABINET VAN STAEY
Kasteelstraat 2A, 9140 TemseNACE 70120
since 19892.227.933.216
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46302D0309/00E000 Flanders 928 m² 1 · 132 m² 16.2 m · 4 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. Tandartspraktijk Isabel Verbeke 100%
  2. LANOR

Highest known parent: Tandartspraktijk Isabel Verbeke. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPrivate limited company
Founded23-06-1989
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.