LapOli Finances

Active Risk: not assessed

Private limited companyfounded 2020active for 6 yearsRue de l'Adoption, Mar. 37, 5660 Couvin, BelgiumKBO/BCE: BE 0748.763.982

Summary

LapOli Finances 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 €287,299 and a net result of €93,561. Equity is growing by about 51% per year across the filed financial years. Its solvency ranks better than 91% of 2,977 sector peers (NACE 66, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

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LapOli FinancesActive

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Activity

Insurance agents and brokers

NACE 66220

1 site

Size

€315,883total assets 2025

Equity: €287,299
Profit: €93,561

Turnover not published (micro format)

Financial health

Financial institution: outside the modelBankruptcy probability: sector outside the model

Structure

Accounts filed 22 days late0 of 1 deed read

SignalsneutralFiled after the deadlineShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked 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.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

1 signal.

neutral

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 5 filings

Deviation from the deadline

2025

22 days late

2024

1 day early

2023

8 days early

2022

14 days late

2021

22 days 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 1 day after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

12-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

22-08-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Liquidity times 11current ratio 18.69
31-12-2025 Equity above €200,000equity €287,299 ▲48.3%

Key points

Positive: Among the best 10% on solvencysector median 50.1% · 2,977 companies 91.0% View
Positive: Equity rose in 2025from €193,738 to €287,299 ▲ 48.3% View
Positive: 5 profitable years in a rowprofit 2025: €93,561 5 years View