LATEUR
ActiveLATEUR has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €485k and a net result of €32k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 52% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-2
Solvency64▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.1 in 2024; short-term debt: 60.8% and cash: 12.5% of total assets), and 61.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
38.7%
Return on assets
2.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
17 d early
2023
22 d early
2022
17 d early
2021
13 d early
2020
12 d early
2019
15 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€485k▲ 7.1%
2024 · €453k
2018: €319k
2019: €342k
2020: €386k
2021: €384k
2022: €439k
2023: €395k
2024: €453k
2018 → 2025
Total assets
€1.25M▼ 2.9%
2024 · €1.29M
2018: €720k
2019: €872k
2020: €950k
2021: €971k
2022: €1.20M
2023: €1.23M
2024: €1.29M
2018 → 2025
Net result
€32k▼ 43.9%
2024 · €58k
2018: €5k
2019: €29k
2020: €44k
2021: €73k
2022: €86k
2023: €90k
2024: €58k
2018 → 2025
Working capital
€155k▲ 93.8%
2024 · €80k
2018: €186k
2019: €246k
2020: €311k
2021: €289k
2022: €276k
2023: €169k
2024: €80k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€384k-€439k▲ 14.5%€395k▼ 10.1%€453k▲ 14.6%€485k▲ 7.1%
Operating result€89k-€117k▲ 30.4%€146k▲ 25.5%€114k▼ 22.2%€75k▼ 34.4%
Net result€73k-€86k▲ 17.7%€90k▲ 5.7%€58k▼ 36.3%€32k▼ 43.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€337k▼ 12.9%
Current assets
€917k▲ 1.4%
Equity and liabilities €1.25M
Equity
€485k▲ 7.1%
Debt
€769k▼ 8.3%
The debt ratio falls from 64.9% to 61.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€171k▼
2024 · €200k
Cash flow
€128k▼
2024 · €144k
Solvency
38.7%▲
2024 · 35.1%
Current ratio
1.20▲
2024 · 1.10
Quick ratio
0.34▼
2024 · 0.50
Debt / equity
1.59▼
2024 · 1.85
ROE
6.7%▼
2024 · 12.7%
ROA
2.6%▼
2024 · 4.5%
Interest coverage
7.89▼
2024 · 9.16
Debt
€769k▼
2024 · €839k
Debt ≤ 1 year
€762k▼
2024 · €824k
Debt > 1 year
€7k▼
2024 · €15k
Income taxes
€23k▼
2024 · €35k
Staff costs
€399k▲
2024 · €338k
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€1.29M€1.25M▼
Fixed assets21/28€388k€337k▼
Tangible fixed assets22/27€387k€337k▼
Land and buildings22€76k€72k▼
Plant, machinery and equipment23€41k€37k▼
Furniture and vehicles24€271k€228k▼
Financial fixed assets28€149€149=
Current assets29/58€904k€917k▲
Stocks and contracts in progress3€495k€655k▲
Stocks30/36€495k€655k▲
Amounts receivable within one year40/41€160k€105k▼
Trade receivables40€159k€92k▼
Other amounts receivable41€847€14k▲
Cash at bank and in hand54/58€249k€157k▼
Equity and liabilities
Total equity and liabilities10/49€1.29M€1.25M▼
Equity10/15€453k€485k▲
Contributions10/11€90k€90k=
Reserves13€380k€412k▲
Tax-exempt reserves132€8k-
Distributable reserves133€372k€412k▲
Profit (loss) carried forward14€-17k€-17k=
Amounts payable17/49€839k€769k▼
Amounts payable after more than one year17€15k€7k▼
Financial debts170/4€15k€7k▼
Amounts payable within one year42/48€824k€762k▼
Current portion of amounts payable after more than one year42€307k€308k▲
Trade debts44€382k€337k▼
Suppliers440/4€382k€337k▼
Taxes, remuneration and social security45€100k€91k▼
Taxes450/3€50k€29k▼
Remuneration and social security454/9€51k€63k▲
Other amounts payable47/48€35k€26k▼
Income statement
Code20242025
Remuneration, social security and pensions62€338k€399k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€96k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€264
Other operating charges640/8€1k€2k▲
Gross operating margin9900€540k€572k▲
Operating profit (loss)9901€114k€75k▼
Financial income75/76B€243€3k▲
Recurring financial income75€243€3k▲
Financial charges65/66B€22k€22k▼
Recurring financial charges65€22k€22k▼
Profit (loss) for the period before taxes9903€92k€56k▼
Income taxes67/77€35k€23k▼
Profit (loss) for the period9904€58k€32k▼
Transfer from tax-exempt reserves789-€8k
Profit (loss) for the period to be appropriated9905€58k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€23k▼
Profit (loss) brought forward from the previous period14P€-17k€-17k=
Transfer to equity691/2€58k€40k▼
To other reserves6921€58k€40k▼
Social balance
Average headcount (FTE)90874.85.4▲
The notes to these accounts (10 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €90k ▲5.7%
Operating result €146k, net result €90k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Harelbeke · 1 establishment unit since 1997
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.
Zandbergstraat 398530 HarelbekeGround area
849 m²
Building footprint
186 m²
Volume, LiDAR
1,282 m³
Parcel 34322B0696/00V000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LATEUR BVBA
since 19972.084.521.288
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34322B0696/00V000 | Flanders | 849 m² | 1 · 186 m² | 11.0 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.
Public money · subsidies and aid
Flemish government
2025 · 2 entries · 2,081 EUR awarded · 2,081 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,081 EUR | 2,081 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
AUTOMOTIVE VAN HOVE
BE 0453.891.308
Wingene · Eq €485k
Pascal Mercier
BE 0427.952.023
Tournai · Eq €486k
ETS GERMEAU
BE 0418.574.301
Awans · Eq €484k
GARAGE DE GROOTE
BE 0440.244.693
Onhaye · Eq €484k
PNEUS DEVOLDERE
BE 0474.465.107
Philippeville · Eq €487k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,465 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-1997
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
50200
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.