LAPSCHUERE
ActiveLAPSCHUERE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €24k and a net result of €305. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 24% of 672 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability50▼-12
Solvency27=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.42 in 2023; short-term debt: 26.6% and cash: 2.9% of total assets), and 98.3% of the assets are financed with debt.
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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 672 sector peers (2024).
NBB · sector comparisonPosition among 672 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
29 d late
2023
69 d late
2022
28 d early
2021
20 d early
2020
122 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€24k▲ 1.3%
2023 · €24k
2018: €7k
2019: €-32k
2020: €17k
2021: €-43k
2022: €-17k
2023: €24k
2018 → 2024
Total assets
€1.42M▲ 2.3%
2023 · €1.39M
2018: €1.84M
2019: €1.70M
2020: €1.56M
2021: €1.57M
2022: €1.43M
2023: €1.39M
2018 → 2024
Net result
€305▼ 99.3%
2023 · €41k
2018: €-6k
2019: €-40k
2020: €50k
2021: €-61k
2022: €26k
2023: €41k
2018 → 2024
Working capital
€-146k▲ 22.7%
2023 · €-189k
2018: €-287k
2019: €-268k
2020: €-214k
2021: €-281k
2022: €-265k
2023: €-189k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€17k-€-43k€-17k▲ 60.2%€24k€24k▲ 1.3%
Operating result€106k-€-9k€75k€87k▲ 16.8%€48k▼ 44.8%
Net result€50k-€-61k€26k€41k▲ 57.9%€305▼ 99.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 45% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€1.19M▼ 5.1%
Current assets
€233k▲ 70.0%
Equity and liabilities €1.42M
Equity
€24k▲ 1.3%
Debt
€1.40M▲ 2.3%
The debt ratio stays at 98.3%.
Key figures and ratios
EBITDA
€182k▼
2023 · €219k
Cash flow
€134k▼
2023 · €172k
Solvency
1.7%▼
2023 · 1.7%
Current ratio
0.62▲
2023 · 0.42
Quick ratio
0.53▲
2023 · 0.34
Debt / equity
57.64▲
2023 · 57.04
ROE
1.3%▼
2023 · 171.8%
ROA
0.0%▼
2023 · 3.0%
Interest coverage
3.81▼
2023 · 4.72
Debt
€1.40M▲
2023 · €1.37M
Debt ≤ 1 year
€379k▲
2023 · €326k
Debt > 1 year
€1.02M▼
2023 · €1.04M
Income taxes
€283▲
2023 · €189
Staff costs
€9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.39M€1.42M▲
Fixed assets21/28€1.25M€1.19M▼
Tangible fixed assets22/27€1.25M€1.19M▼
Plant, machinery and equipment23€41k€87k▲
Furniture and vehicles24€9k€6k▼
Leasing and similar rights25€1.16M€1.05M▼
Other tangible fixed assets26€48k€48k=
Current assets29/58€137k€233k▲
Stocks and contracts in progress3€26k€34k▲
Stocks30/36€26k€34k▲
Amounts receivable within one year40/41€91k€152k▲
Trade receivables40€88k€140k▲
Other amounts receivable41€3k€12k▲
Cash at bank and in hand54/58€15k€42k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.42M▲
Equity10/15€24k€24k▲
Contributions10/11€19k€19k=
Reserves13€5k€5k▲
Distributable reserves133€5k€5k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€1.37M€1.40M▲
Amounts payable after more than one year17€1.04M€1.02M▼
Financial debts170/4€1.04M€1.02M▼
Amounts payable within one year42/48€326k€379k▲
Current portion of amounts payable after more than one year42€85k€107k▲
Trade debts44€84k€150k▲
Suppliers440/4€84k€150k▲
Taxes, remuneration and social security45€858€3k▲
Taxes450/3€858€473▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€156k€119k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€133k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€220k€192k▼
Operating profit (loss)9901€87k€48k▼
Financial income75/76B€289€19▼
Recurring financial income75€289€19▼
Financial charges65/66B€46k€48k▲
Recurring financial charges65€46k€48k▲
Profit (loss) for the period before taxes9903€41k€589▼
Income taxes67/77€189€283▲
Profit (loss) for the period9904€41k€305▼
Profit (loss) for the period to be appropriated9905€41k€305▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€305▼
Profit (loss) brought forward from the previous period14P€-36k€0▲
Transfer to equity691/2€5k€305▼
To other reserves6921€5k€305▼
Social balance
Average headcount (FTE)90870.00.7▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 69 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-61k ▼222%
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-12
Financial
Back to profitnet €50k
Net result €50k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kruisem · 1 establishment unit since 2008
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.
Spiegelstraat(HUS) 19770 KruisemGround area
6,367 m²
Building footprint
226 m²
Volume, LiDAR
1,189 m³
Parcel 45053C0147/00B000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spiegelstraat(HUS) 1, 9770 Kruisem
since 20082.174.662.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45053C0147/00B000 | Flanders | 6,367 m² | 1 · 226 m² | 9.8 m · 2 fl. |
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.
Similar companies · same sector, comparable size
GARAGE KERKVLIET
BE 0425.013.022
Erpe-Mere · Eq €25k
Le MarDi
BE 0653.775.446
Hasselt · Eq €25k
MAPLE COTTAGE
BE 0800.354.621
Profondeville · Eq €25k
MOSAREVES
BE 0811.875.152
Liège · Eq €22k
PERFECT
BE 0753.759.284
Zuienkerke · Eq €27k
Of 733 companies in sector 55209 we hold annual accounts for 209. 125 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2008
Fiscal year end31-12
Activities, NACEBEL
55203Holiday cottages, homes and apartments
55209Other holiday and short-stay accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.