LARDENOIT INSURANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €539k and a net result of €229k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 1422 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
30 d early
2022
32 d late
2021
122 d late
2020
4 d early
2019
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€539k▲ 73.7%
2023 · €310k
2018: €226k
2019: €213k
2020: €183k
2021: €260k
2022: €344k
2023: €310k
2018 → 2024
Net result
€229k▲ 74.7%
2023 · €131k
2018: €45k
2019: €-13k
2020: €-31k
2021: €77k
2022: €85k
2023: €131k
2018 → 2024
Total assets
€1.39M▲ 58.3%
2023 · €876k
2018: €1.01M
2019: €998k
2020: €1.11M
2021: €864k
2022: €871k
2023: €876k
2018 → 2024
Solvency
38.9%▲ 3.5pp
2023 · 35.4%
2018: 22.4%
2019: 21.4%
2020: 16.5%
2021: 30.1%
2022: 39.6%
2023: 35.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€183k-€260k▲ 42.3%€344k▲ 32.5%€310k▼ 9.9%€539k▲ 73.7%
Operating result€-22k-€50k€134k▲ 168%€221k▲ 64.9%€314k▲ 41.9%
Net result€-31k-€77k€85k▲ 9.4%€131k▲ 55.0%€229k▲ 74.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 42% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.39M
Fixed assets
€1.09M▲ 179%
Current assets
€300k▼ 38.4%
Equity and liabilities €1.39M
Equity
€539k▲ 73.7%
Debt
€847k▲ 49.8%
The debt ratio falls from 64.6% to 61.1%. Equity and debt are higher.
Key figures and ratios
Solvency
38.9%▲
2023 · 35.4%
ROE
42.4%▲
2023 · 42.2%
ROA
16.5%▲
2023 · 15.0%
Debt
€847k▲
2023 · €565k
Debt ≤ 1 year
€240k▼
2023 · €510k
Debt > 1 year
€607k▲
2023 · €55k
Income taxes
€81k▼
2023 · €83k
Staff costs
€561k▼
2023 · €625k
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€876k€1.39M▲
Fixed assets21/28€389k€1.09M▲
Intangible fixed assets21€292k€995k▲
Tangible fixed assets22/27€97k€91k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€69k€69k=
Other tangible fixed assets26€24k€19k▼
Current assets29/58€487k€300k▼
Amounts receivable within one year40/41€157k€219k▲
Trade receivables40€155k€219k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€314k€69k▼
Deferred charges and accrued income490/1€15k€11k▼
Equity and liabilities
Total equity and liabilities10/49€876k€1.39M▲
Equity10/15€310k€539k▲
Contributions10/11€19k€19k=
Reserves13€292k€521k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€290k€519k▲
Amounts payable17/49€565k€847k▲
Amounts payable after more than one year17€55k€607k▲
Financial debts170/4€55k€607k▲
Amounts payable within one year42/48€510k€240k▼
Current portion of amounts payable after more than one year42€194k€53k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€39k€119k▲
Suppliers440/4€39k€119k▲
Taxes, remuneration and social security45€112k€64k▼
Taxes450/3€13k€3k▼
Remuneration and social security454/9€99k€61k▼
Other amounts payable47/48€165k-
Income statement
Code20232024
Remuneration, social security and pensions62€625k€561k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€250k€200k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€1.10M€1.08M▼
Operating profit (loss)9901€221k€314k▲
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€214k€310k▲
Income taxes67/77€83k€81k▼
Profit (loss) for the period9904€131k€229k▲
Profit (loss) for the period to be appropriated9905€131k€229k▲
Appropriation of the result
Profit (loss) to be appropriated9906€131k€229k▲
Transfer from equity791/2€34k-
Transfer to equity691/2-€229k
To other reserves6921-€229k
Profit to be distributed694/7€165k-
Return on contributions (dividend)694€165k-
Social balance
Average headcount (FTE)90879.58.4▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €229k ▲74.7%
Operating result €314k, net result €229k, both a record.
31-12
Financial
Equity above €500kEq €539k ▲73.7%
4 profitable years in a row build equity to €539k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 122 days late
2021
31-12
Financial
Back to profitnet €77k
Net result €77k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €260k ▲42.3%
Equity rises from €183k to €260k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2023
Resigned as Director
Location & real-estate footprint
Registered office, Temse · 3 establishment units since 2001
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.
Oeverstraat 29140 TemseGround area
749 m²
Building footprint
427 m²
Volume, LiDAR
2,143 m³
3 parcels, Flanders · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
LARDENOIT INSURANCE
since 20012.101.294.469
LARDENOIT INSURANCE
since 20112.316.353.169
LARDENOIT INSURANCE
since 20162.316.353.070
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007B0837/00H002 | Flanders | 346 m² | 1 · 133 m² | 5.3 m |
| 46020C1120/00M000 | Flanders | 216 m² | 1 · 215 m² | 12.3 m · 2 fl. |
| 46302D0268/00A000 | Flanders | 187 m² | 1 · 79 m² | 14.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,570 EUR awarded · 1,324 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 390 EUR | 330 EUR |
| 2024 | 1 | 185 EUR | 185 EUR |
| 2023 | 1 | 186 EUR | 0 EUR |
| 2022 | 1 | 809 EUR | 809 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,566 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2001
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.