LARAZA
ActiveThe computed 12-month bankruptcy probability of LARAZA is 4.6% (elevated). The 2025 annual accounts show equity of €15k and a net result of €-12k. Equity is shrinking by ~29.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 46% of 13009 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency46▼-38
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.69 in 2024), and 74% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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 2025Solvency, return and age of the figures
Solvency
26%
Return on assets
-20.5%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€12k
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
25 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€419k
EBIT margin
8.2%
Net result
€-12k▲ 22.4%
2024 · €-15k
2022: €25k
2023: €11k
2024: €-15k
2022 → 2025
Working capital
€13k▼ 39.1%
2024 · €21k
2022: €15k
2023: €34k
2024: €21k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€419k-
Equity€25k-€41k▲ 66.0%€26k▼ 36.2%€15k▼ 44.1%
Operating result€35k-€16k▼ 54.2%€-15k€-10k▲ 32.3%
Net result€25k-€11k▼ 54.1%€-15k€-12k▲ 22.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€2k▼ 65.0%
Current assets
€55k▲ 5.4%
Equity and liabilities €57k
Equity
€15k▼ 44.1%
Debt
€42k▲ 36.2%
The debt ratio rises from 53.9% to 74.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-7k▲
2024 · €-11k
Cash flow
€-8k▲
2024 · €-12k
Solvency
26.0%▼
2024 · 46.1%
Current ratio
1.31▼
2024 · 1.69
Quick ratio
1.31▼
2024 · 1.49
Debt / equity
2.85▲
2024 · 1.17
ROE
-78.8%▼
2024 · -56.8%
ROA
-20.5%▲
2024 · -26.2%
Interest coverage
-3.19▲
2024 · -4.16
Debt
€42k▲
2024 · €31k
Debt ≤ 1 year
€42k▲
2024 · €31k
Income taxes
€2k▲
2024 · €217
Staff costs
€4k▼
2024 · €35k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€57k€57k▼
Fixed assets21/28€5k€2k▼
Intangible fixed assets21€2k€818▼
Tangible fixed assets22/27€3k€955▼
Plant, machinery and equipment23€3k€955▼
Current assets29/58€52k€55k▲
Stocks and contracts in progress3€6k-
Stocks30/36€6k-
Amounts receivable within one year40/41€44k€54k▲
Trade receivables40€2k€16k▲
Other amounts receivable41€43k€38k▼
Cash at bank and in hand54/58€2k€550▼
Equity and liabilities
Total equity and liabilities10/49€57k€57k▼
Equity10/15€26k€15k▼
Contributions10/11€5k€5k=
Reserves13€21k€10k▼
Distributable reserves133€21k€10k▼
Amounts payable17/49€31k€42k▲
Amounts payable within one year42/48€31k€42k▲
Current portion of amounts payable after more than one year42€3k-
Financial debts43€3k€15k▲
Credit institutions430/8€3k€15k▲
Trade debts44€16k€7k▼
Suppliers440/4€16k€7k▼
Advances received on contracts in progress46-€19k
Taxes, remuneration and social security45€8k€498▼
Taxes450/3€4k€498▼
Remuneration and social security454/9€4k-
Income statement
Code20242025
Remuneration, social security and pensions62€35k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€881€159▼
Gross operating margin9900€24k€-2k▼
Operating profit (loss)9901€-15k€-10k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-15k€-10k▲
Income taxes67/77€217€2k▲
Profit (loss) for the period9904€-15k€-12k▲
Profit (loss) for the period to be appropriated9905€-15k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-12k▲
Transfer from equity791/2€15k€12k▼
The notes to these accounts (8 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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-15k ▼231%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2021
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.
Koerselsebaan 933550 Heusden-ZolderGround area
926 m²
Building footprint
261 m²
Volume, LiDAR
1,483 m³
Parcel 71025A1425/00L000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
't Bekske
since 20212.319.468.354
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A1425/00L000 | Flanders | 926 m² | 1 · 261 m² | 10.6 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.
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Of 21,636 companies in sector 56112 we hold annual accounts for 9,660. 7,567 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.