LAPTERS
ActiveSummary
The computed 12-month bankruptcy probability of LAPTERS is 1.7% (moderate). The 2025 annual accounts show equity of €677k and a net result of €534. Equity is growing by ~5% per year across the filed fiscal years. The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-4
Solvency64▼-27
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
short-term debt: 17.9% of total assets, and 61.4% 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 · 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
38.6%
Return on assets
0%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
31 d late
2022
32 d late
2021
52 d late
2020
164 d early
2019
15 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€534▼ 98.4%
2024 · €34k
2018: €12k
2019: €19k
2020: €2k
2021: €16k
2022: €13k
2023: €29k
2024: €34k
2018 → 2025
Working capital
€-175k▲ 5.2%
2023 · €-184k
2018: €-210k
2019: €-205k
2020: €-217k
2021: €-203k
2022: €-170k
2023: €-184k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€599k-€613k▲ 2.2%€642k▲ 4.8%€676k▲ 5.3%€677k▲ 0.1%
Operating result€30k-€13k▼ 55.2%€29k▲ 119%€35k▲ 17.8%€2k▼ 95.0%
Net result€16k-€13k▼ 16.1%€29k▲ 119%€34k▲ 16.9%€534▼ 98.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.75M
Equity
€677k ▲ 0.1%
Debt
€1.08M ▲ 206%
Debt's share of the balance-sheet total rises from 34.2% to 61.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▼
2024 · €55k
Cash flow
€35k▼
2024 · €54k
Debt to equity
1.59▲
2024 · 0.52
ROE
0.1%▼
2024 · 5.1%
ROA
0.0%▼
2024 · 3.3%
Interest coverage
30.25▼
2024 · 188.60
Debt ≤ 1 year
€314k▲
2024 · €184k
Debt > 1 year
€764k▲
2024 · €168k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€1.75M▲
Fixed assets21/28€1.02M€1.75M▲
Tangible fixed assets22/27€1.02M€1.75M▲
Land and buildings22€1.02M€1.75M▲
Other tangible fixed assets26€2k-
Current assets29/58€9k-
Cash at bank and in hand54/58€9k-
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.75M▲
Equity10/15€676k€677k▲
Contributions10/11€100k€100k=
Revaluation surpluses12€600k€600k=
Profit (loss) carried forward14€-24k€-23k▲
Amounts payable17/49€352k€1.08M▲
Amounts payable after more than one year17€168k€764k▲
Financial debts170/4€168k€764k▲
Amounts payable within one year42/48€184k€314k▲
Current portion of amounts payable after more than one year42€22k€59k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Other amounts payable47/48€162k€252k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€34k▲
Other operating charges640/8€5k€12k▲
Gross operating margin9900€59k€48k▼
Operating profit (loss)9901€35k€2k▼
Financial charges65/66B€290€1k▲
Recurring financial charges65€290€1k▲
Profit (loss) for the period before taxes9903€34k€534▼
Profit (loss) for the period9904€34k€534▼
Profit (loss) for the period to be appropriated9905€34k€534▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-23k▲
Profit (loss) brought forward from the previous period14P€-58k€-24k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €534 ▼98.4%
Net result drops to €534, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €34k ▲16.9%
Operating result €35k, net result €34k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 52 days late
2021
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500kEq €583k
3 profitable years in a row build equity to €583k.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Anderlecht · 1 establishment unit since 2014
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.
Dokter Lemoinelaan 11070 AnderlechtGround area
1,222 m²
Building footprint
416 m²
Volume, LiDAR
13,435 m³
2 parcels, Brussels · tallest building 39.7 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
LAPTERS
since 20142.241.550.432
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0299/00C000 | Brussels | 963 m² | 1 · 356 m² | 39.7 m · 12 fl. |
| 21308H0724/00W007 | Brussels | 259 m² | 1 · 61 m² | 11.0 m · 3 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-10-2014
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.