LARDENOIT INSURANCE
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 64% of 227 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €539k |
| Net result | €229k |
| Staff (FTE) | 8.4 |
| Better than sector | 64% |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 38.9% | 21.3% | |
| Net result | €229k | €66k | |
| Equity | €539k | €128k | |
| Gross operating margin | €1.08M | €407k | |
| Staff costs | €561k | €353k |
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €229k |
| Cash flow | n/a |
| Staff costs | €561k |
| Income taxes | €81k |
| Dividends | - |
| Total assets | €1.39M |
| Equity | €539k |
| Debt | €847k |
| of which ≤ 1y | €240k |
| of which > 1y | €607k |
| Working capital | n/a |
| Employees (FTE) | 8.4 |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 38.9% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 16.5% |
| ROE | 42.4% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.39M |
| Fixed assets | 21/28 | €1.09M |
| Intangible fixed assets | 21 | €995k |
| Tangible fixed assets | 22/27 | €91k |
| Current assets | 29/58 | €300k |
| Amounts receivable within one year | 40/41 | €219k |
| Cash & bank | 54/58 | €69k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.39M |
| Equity | 10/15 | €539k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €521k |
| Amounts payable | 17/49 | €847k |
| Amounts payable after one year | 17 | €607k |
| Amounts payable within one year | 42/48 | €240k |
| Trade debts payable within one year | 44 | €119k |
| Income statement | ||
| Gross operating margin | 9900 | €1.08M |
| Operating result | 9901 | €314k |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €310k |
| Income taxes | 67/77 | €81k |
| Net result for the period | 9904 | €229k |
| Result to be appropriated | 9905 | €229k |
-
Current01-01-2024 → present
-
Current29-11-2023 → present
-
Current18-03-2022 → present
Historic, not recently confirmed (1)
-
Not recently confirmedlast confirmed in an act from 2019
Former directors (1)
-
Former- → 30-06-2023
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 20-02-2001 |
| Status | Active |
| Postal code | 9140 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| 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. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
01-04-2026 Act object · General meeting · Officer appointment · Mandate compensation
- Filing: 2026-03-24 · Lardenoit Insurance
- Publication: 2026-04-01 · Lardenoit Insurance
- Act object: benoeming bestuurder · Lardenoit Insurance
- General meeting: 2024-10-28 · Lardenoit Insurance
- Officer appointment: role: bestuurder, start_date: 2024-01-01 · Rens Van Der Weken
- Mandate compensation: onbezoldigd · Rens Van Der Weken
- Officer appointment: role: Bestuurder · Lardenoit Rudy
Technical details
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}01-04-2026 Act object · General meeting · Officer resignation · Approval
- Filing: 2026-03-24 · Lardenoit Insurance
- Publication: 2026-04-01 · Lardenoit Insurance
- Act object: ontslag bestuurder · Lardenoit Insurance
- General meeting: date: 2025-06-30, type: bijzondere algemene vergadering · Lardenoit Insurance
- Officer resignation: date: 2025-06-30, role: bestuurder · Bettina Heyvaert
- Approval: date: 2025-06-30, action: ontslag aanvaard · Lardenoit Insurance
- Officer discharge: date: 2025-06-30, role: bestuurder · Bettina Heyvaert
- Officer appointment: role: bestuurder · Lardenoit Rudy
Technical details
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}01-04-2026 Act object · General meeting · Officer appointment · Mandate compensation
- Filing: 2026-03-24 · Lardenoit Insurance
- Publication: 2026-04-01 · Lardenoit Insurance
- Act object: benoeming bestuurder · Lardenoit Insurance
- General meeting: date: 2025-12-23, type: bijzondere algemene vergadering · Lardenoit Insurance
- Officer appointment: role: bestuurder, start_date: 2025-07-01 · Famke Lardenoit
- Mandate compensation: onbezoldigd · Famke Lardenoit
- Officer appointment: role: Voorzitter van de vergadering, start_date: 2025-12-23 · Rudy Lardenoit
Technical details
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}14-12-2023 1 director appointed, 1 resigning
- LARDENOIT Ben, Bestuurder
- NOENS Hugo, Bestuurder
Technical details
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}21-11-2022 Nancy De Roeck appointed as director
- Nancy De Roeck, Bestuurder
Technical details
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}02-01-2019 Bettina Heyvaert appointed as manager
- Bettina Heyvaert, Zaakvoerder
Technical details
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}31-10-2017 Articles of association amended
Technical details
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}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | LARDENOIT INSURANCE |