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Complete company report
Generated 03-09-2026
Active BE 0447.811.188Public limited company

LAROCHE INVEST

Ter Heydelaan 394 ·2100 Antwerpen, Belgium· 34 yrs active
Conclusion Checked

LAROCHE INVEST has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171k and a net result of €31k. The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €171k
Net result €31k
Active 34 yrs
Board 3
Financial profile 5 of 5 axes measured · computed by Checked
Health56Profitability89Solvency59Growth52Stability100
71 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 56
Profitability 89
Solvency 59
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1992, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
56 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview33 NBB filings
Annual accounts filed on 28-01-2026 with the NBB · fiscal year 2025 · micro schema
€0€10k€20k€30kOperating result 2024: €28k€28kNet result 2024: €32k€32kOperating result 2025: €27k€27kNet result 2025: €31k€31k20242025
Operating resultNet result
EBITDA
€38k
-2.4% 24-25
Net profit
€31k
-5.4% 24-25
Cash flow
€41k
-4.1% 24-25
Total assets
€362k
-0.2% 24-25
Equity
€171k
+21.8% 24-25
Working capital
€-105k
+24.6% 24-25
Income taxes
€9k
+1.7% 24-25
Debt
€191k
-14.0% 24-25
Debt ≤ 1y
€175k
-12.3% 24-25
Debt > 1y
€8k
-51.1% 24-25
Current ratio
0.40
+32.6% 24-25
Quick ratio
0.40
+32.6% 24-25
Solvency
47.1%
+22.0% 24-25
Debt / equity
1.12
-29.4% 24-25
ROE
17.9%
-22.3% 24-25
ROA
8.4%
-5.2% 24-25
Interest coverage
6.99
+16.2% 24-25
Figures by fiscal year and ratios
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€38k
Net profit€31k
Cash flow€41k
Staff costs-
Income taxes€9k
Dividends-
Total assets€362k
Equity€171k
Debt€191k
of which ≤ 1y€175k
of which > 1y€8k
Working capital€-105k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.40
Quick ratio0.40
Working capital ratio-29.1%
Solvency47.1%
Debt / equity1.12
Long-term debt ratio0.05
Interest coverage6.99
Gross margin-
Net margin-
ROA8.4%
ROE17.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€362k
Fixed assets 21/28€292k
Tangible fixed assets 22/27€164k
Financial fixed assets 28€128k
Current assets 29/58€70k
Investments 50/53€60k
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€362k
Equity 10/15€171k
Contributions / capital 10/11€63k
Reserves 13€107k
Accumulated profits (losses) 14€601
Amounts payable 17/49€191k
Amounts payable after one year 17€8k
Amounts payable within one year 42/48€175k
Trade debts payable within one year 44€123
Income statement
Gross operating margin 9900€41k
Operating result 9901€27k
Financial income 75€18k
Financial charges 65€5k
Result before taxes 9903€39k
Income taxes 67/77€9k
Net result for the period 9904€31k
Result to be appropriated 9905€31k
Directors & mandates 3 directors
Directors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (24179561). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Ingrid De Ceuster
    Director
    State Gazette act 24179561 (23-12-2024)
    Current
    23-12-2024 → present
  • Jerry Laroche
    Managing director
    State Gazette act 24179561 (23-12-2024)
    Current
    23-12-2024 → present
  • Nadine Laroche
    Managing director
    State Gazette act 24179561 (23-12-2024)
    Current
    23-12-2024 → present
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation29-06-1992
StatusActive
Postal code2100
Establishment units 1 location
Ter Heydelaan 394, 2100 Antwerpen
Verhuur van woningen, exclusief sociale woningen
since 19922.058.405.425
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11342A0237/00P008 Flanders 528 m² 1 · 253 m² 12.2 m · 4 fl.
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.
Updates 11 events
2016 2016: 1 NBB filing 2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2021 2021: 1 NBB filing 2022 2022: 1 NBB filing 2023 2023: 1 NBB filing 2024 2024: 2 NBB filings, 1 State Gazette act 2025 2026 2026: 1 NBB filing
2026
28-01-2026 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12-2024 State Gazette act Director changes
No further detail in the source.
04-12-2024 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
29-01-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
05-01-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01-2021 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2019
03-12-2019 NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2018
05-12-2018 NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2017
12-12-2017 NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
07-12-2016 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
23-12-2024 3 directors appointed Director changes
  • Ingrid De Ceuster, Bestuurder
  • Nadine Laroche, Gedelegeerd bestuurder
  • Jerry Laroche, Gedelegeerd bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Ingrid De Ceuster",
        "address": "2980 Halle-Zoersel, Middenstuk 2",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Nadine Laroche",
        "address": "2980 Halle, Halle-Dorp, 136 bus 3",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Jerry Laroche",
        "address": "2980 Halle-Zoersel, Middenstuk 2",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-12-23",
    "filing_date": "2024-12-10",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-12-02",
      "unanimous": true
    },
    {
      "body": "raad_van_bestuur",
      "date": "2024-12-10",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0447.811.188",
    "name_full": "Laroche Invest",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jerry Laroche",
    "org_rep_person_name": null,
    "person_role_at_subject": "Gedelegeerd bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL LAROCHE INVEST
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative