LANOVI
ActiveSummary
LANOVI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,500 and a net result of €89,352. Equity is shrinking by ~19.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 7% of 13085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency28=
Growth58=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
3.2%
Return on assets
62.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 13085 sector peers (2025).
NBB · sector comparisonPosition among 13085 sector peers
Solvency
better than 7%
← weakest
strongest →
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 08-06-2026, 53 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
53 d early
2024
52 d early
2023
30 d early
2022
34 d early
2021
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 40 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed 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 27 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€4,500=
2024 · €4,500
Total assets
€142,283▼ 6.7%
2024 · €152,489
Net result
€89,352▲ 24.8%
2024 · €71,579
Working capital
-€315
2024 · €53,960
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,260-€13,698▲ 11.7%€11,257▼ 17.8%€91,551▲ 713%€116,874▲ 27.7%
Net result€8,703within the sector's middle half-€9,145within the sector's middle half▲ 5.1%€7,194below the sector's middle half▼ 21.3%€71,579within the sector's middle half▲ 895%€89,352above the sector's middle half▲ 24.8%
Equity€13,203below the sector's middle half-€22,348below the sector's middle half▲ 69.3%€29,542below the sector's middle half▲ 32.2%€4,500below the sector's middle half▼ 84.8%€4,500below the sector's middle half=
Total assets€29,561below the sector's middle half-€40,985below the sector's middle half▲ 38.6%€50,005below the sector's middle half▲ 22.0%€152,489within the sector's middle half▲ 205%€142,283within the sector's middle half▼ 6.7%
Debt€16,358-€18,637▲ 13.9%€20,462▲ 9.8%€147,989▲ 623%€137,783▼ 6.9%
Working capital€7,203below the sector's middle half-€19,808within the sector's middle half▲ 175%€29,542within the sector's middle half▲ 49.1%€53,960within the sector's middle half▲ 82.7%-€315below the sector's middle half
Solvency44.7%within the sector's middle half-54.5%within the sector's middle half▲ 9.9pp59.1%within the sector's middle half▲ 4.6pp3.0%below the sector's middle half▼ 56.1pp3.2%below the sector's middle half▲ 0.2pp
Current ratio1.44within the sector's middle half-2.09within the sector's middle half▲ 0.652.44within the sector's middle half▲ 0.351.55within the sector's middle half▼ 0.901.00below the sector's middle half▼ 0.55
Return on assets (ROA)29.4%above the sector's middle half-22.3%within the sector's middle half▼ 7.1pp14.4%within the sector's middle half▼ 7.9pp46.9%above the sector's middle half▲ 32.6pp62.8%above the sector's middle half▲ 15.9pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142,283
Fixed assets
€4,815
Current assets
€137,468
Equity and liabilities €142,283
Equity
€4,500 =
Debt
€137,783 ▼ 6.9%
Debt's share of the balance-sheet total falls from 97.0% to 96.8%. Debt is lower.
Key figures and ratios
EBITDA
€117,184
Cash flow
€89,662
Debt to equity
30.62▼
2024 · 32.89
Interest coverage
51.72
Debt ≤ 1 year
€137,783▲
2024 · €98,529
Income taxes
€25,598▲
2024 · €20,084
A ratio outside any meaningful range has been withheld (balance sheet total €142,283, equity €4,500).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
For this company itself Checked computes a lower bankruptcy probability: 0.3% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 2,153 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,000 | €3,000 | €3,000 | - | €310 | - |
| Other operating charges640/8 | €930 | €1,406 | €1,204 | €1,147 | €1,046 | ▼ 8.7% |
| Gross operating margin9900 | €16,190 | €18,104 | €15,461 | €92,697 | €118,230 | ▲ 27.5% |
| Operating profit (loss)9901 | €12,260 | €13,698 | €11,257 | €91,551 | €116,874 | ▲ 27.7% |
| Financial income75/76B | - | - | €2 | €160 | €342 | ▲ 114% |
| Recurring financial income75 | - | - | €2 | €160 | €342 | ▲ 114% |
| Financial charges65/66B | €12 | €37 | €43 | €48 | €2,266 | ▲ 4,662% |
| Recurring financial charges65 | €12 | €37 | €43 | €48 | €2,266 | ▲ 4,662% |
| Profit (loss) for the period before taxes9903 | €12,247 | €13,661 | €11,216 | €91,663 | €114,950 | ▲ 25.4% |
| Income taxes67/77 | €3,544 | €4,517 | €4,022 | €20,084 | €25,598 | ▲ 27.5% |
| Profit (loss) for the period9904 | €8,703 | €9,145 | €7,194 | €71,579 | €89,352 | ▲ 24.8% |
| Profit (loss) for the period to be appropriated9905 | €8,703 | €9,145 | €7,194 | €71,579 | €89,352 | ▲ 24.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €29,561 | €40,985 | €50,005 | €152,489 | €142,283 | ▼ 6.7% |
| Fixed assets21/28 | €6,000 | €3,000 | €0 | - | €4,815 | - |
| Tangible fixed assets22/27 | €6,000 | €3,000 | €0 | - | €4,815 | - |
| Plant, machinery and equipment23 | - | - | - | - | €1,689 | - |
| Furniture and vehicles24 | €6,000 | €3,000 | €0 | - | €3,126 | - |
| Current assets29/58 | €23,561 | €37,985 | €50,005 | €152,489 | €137,468 | ▼ 9.9% |
| Amounts receivable after more than one year29 | - | - | €10,000 | €84,000 | €84,000 | = |
| Other amounts receivable291 | - | - | €10,000 | €84,000 | €84,000 | = |
| Amounts receivable within one year40/41 | - | - | - | €2,818 | €1,400 | ▼ 50.3% |
| Trade receivables40 | - | - | - | €2,818 | €1,400 | ▼ 50.3% |
| Cash at bank and in hand54/58 | €22,601 | €36,125 | €36,721 | €64,684 | €50,567 | ▼ 21.8% |
| Deferred charges and accrued income490/1 | €960 | €1,860 | €3,283 | €987 | €1,501 | ▲ 52.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €29,561 | €40,985 | €50,005 | €152,489 | €142,283 | ▼ 6.7% |
| Equity10/15 | €13,203 | €22,348 | €29,542 | €4,500 | €4,500 | = |
| Contributions10/11 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Profit (loss) carried forward14 | €8,703 | €17,848 | €25,042 | - | - | - |
| Amounts payable17/49 | €16,358 | €18,637 | €20,462 | €147,989 | €137,783 | ▼ 6.9% |
| Amounts payable after more than one year17 | - | - | - | €49,000 | - | - |
| Other amounts payable178/9 | - | - | - | €49,000 | - | - |
| Amounts payable within one year42/48 | €16,358 | €18,177 | €20,462 | €98,529 | €137,783 | ▲ 39.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €7,000 | - |
| Trade debts44 | €120 | €710 | €1,606 | €423 | €61 | ▼ 85.6% |
| Suppliers440/4 | €120 | €710 | €1,606 | €423 | €61 | ▼ 85.6% |
| Taxes, remuneration and social security45 | €13,945 | €13,961 | €18,328 | €14,601 | €15,755 | ▲ 7.9% |
| Taxes450/3 | €13,945 | €13,961 | €18,328 | €14,601 | €15,755 | ▲ 7.9% |
| Other amounts payable47/48 | €2,293 | €3,505 | €527 | €83,506 | €114,967 | ▲ 37.7% |
| Accrued charges and deferred income492/3 | - | €460 | - | €460 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,703 | €9,145 | €7,194 | €71,579 | €89,352 | ▲ 24.8% |
| + Depreciation and write-downs630 | €3,000 | €3,000 | €3,000 | - | €310 | - |
| Operating cash flow (approximation) | €11,703 | €12,145 | €10,194 | €71,579 | €89,662 | ▲ 25.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €13,524 | €596 | €27,963 | -€14,117 | ▼ 150% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €89,352 ▲24.8%
Operating result €116,874, net result €89,352, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €7,194 ▼21.3%
Net result drops to €7,194, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 2021
Ground area
590 m²
Building footprint
170 m²
Volume, LiDAR
1,103 m³
Parcel 25110B0591/00V002, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de la Closière 37, 1410 Waterloo
since 20212.311.792.288
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0591/00V002 | Wallonia | 590 m² | 1 · 169 m² | 9.3 m · 2 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.
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Of 2,765 companies in this sector we hold annual accounts for 1,209. 411 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded04-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0760775453
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.