LAU'RL

Active

Private limited companyfounded 20241 yr activeAvenue du Roi Albert(R) 2, 7070 Le Roeulx, BelgiumKBO/BCE: BE 1015.815.969

LAU'RL has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €111k. Its solvency ranks better than 53% of 16414 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Watch Print / PDF

Checked score

Score 2025

100 / 100

Excellent▲ +19 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+30

Growth78

Stability82

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €19k at 30 days only on tighter terms

Liquidity ample (current ratio 3.05 against 1.24 in 2024), and 33.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 86

Relative position

BE, all sectors

reference

Sector 86

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

66.6%

Return on assets

38%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 2 filings

Deviation from the deadline

2025

22 d late

2024

57 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€195k▲ 133%

2024 · €84k

2024: €84k

2024 → 2025

Total assets

€292k▲ 47.8%

2024 · €198k

2024: €198k

2024 → 2025

Net result

€111k▲ 12.7%

2024 · €99k

2024: €99k

2024 → 2025

Working capital

€136k▲ 728%

2024 · €16k

2024: €16k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€84k-€195k▲ 133%

Operating result€131k-€144k▲ 9.7%

Net result€99k-€111k▲ 12.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 10% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €292k

30.9%

69.1%

Fixed assets €90k▼ 20.4%

Current assets €202k▲ 139%

Equity and liabilities €292k

66.6%

33.4%

Equity €195k▲ 133%

Debt €97k▼ 14.5%

The debt ratio falls from 57.7% to 33.4%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€167k▲

2024 · €134k

Cash flow

€134k▲

2024 · €101k

Solvency

66.6%▲

2024 · 42.3%

Current ratio

3.05▲

2024 · 1.24

Quick ratio

3.05▲

2024 · 1.24

Debt / equity

0.50▼

2024 · 1.36

ROE

57.1%▼

2024 · 117.9%

ROA

38.0%▼

2024 · 49.9%

Interest coverage

78.09▼

2024 · 5566.20

Debt

€97k▼

2024 · €114k

Debt ≤ 1 year

€66k▼

2024 · €68k

Debt > 1 year

€31k▼

2024 · €46k

Income taxes

€31k▼

2024 · €33k

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€198k€292k▲

Fixed assets21/28€113k€90k▼

Intangible fixed assets21€29k€23k▼

Tangible fixed assets22/27€84k€67k▼

Plant, machinery and equipment23€24k€19k▼

Furniture and vehicles24€60k€48k▼

Current assets29/58€84k€202k▲

Amounts receivable within one year40/41€64k€57k▼

Trade receivables40€52k€48k▼

Other amounts receivable41€12k€9k▼

Cash at bank and in hand54/58€15k€138k▲

Deferred charges and accrued income490/1€5k€7k▲

Equity and liabilities

Total equity and liabilities10/49€198k€292k▲

Equity10/15€84k€195k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€79k€190k▲

Amounts payable17/49€114k€97k▼

Amounts payable after more than one year17€46k€31k▼

Financial debts170/4€46k€31k▼

Amounts payable within one year42/48€68k€66k▼

Current portion of amounts payable after more than one year42€14k€15k▲

Trade debts44€611€1k▲

Suppliers440/4€611€1k▲

Taxes, remuneration and social security45€33k€47k▲

Taxes450/3€33k€47k▲

Other amounts payable47/48€20k€3k▼

Accrued charges and deferred income492/3-€9

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€23k▲

Other operating charges640/8€401€762▲

Gross operating margin9900€134k€168k▲

Operating profit (loss)9901€131k€144k▲

Financial income75/76B€62-

Recurring financial income75€62-

Financial charges65/66B€24€2k▲

Recurring financial charges65€24€2k▲

Profit (loss) for the period before taxes9903€131k€142k▲

Income taxes67/77€33k€31k▼

Profit (loss) for the period9904€99k€111k▲

Profit (loss) for the period to be appropriated9905€99k€111k▲

Appropriation of the result

Profit (loss) to be appropriated9906€99k€190k▲

Profit (loss) brought forward from the previous period14P-€79k

Profit to be distributed694/7€20k-

Return on contributions (dividend)694€20k-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 4Financial 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

22-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 22 days late

2025

31-12

Financial Liquidity doublescurrent ratio 3.05

Current ratio from 1.24 to 3.05; short-term debt falls from €68k to €66k.

31-12

Financial Equity above €150kEq €195k ▲133%

2 profitable years in a row build equity to €195k.

26-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 57 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, Le Roeulx · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Avenue du Roi Albert(R) 27070 Le Roeulx

Ground area

2,579 m²

Building footprint

206 m²

Volume, LiDAR

1,696 m³

2 parcels, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

LAU'RL

Rue Roi Albert(ROUV) 12, 7120 EstinnesSpecialist medical practice

since 20242.366.931.048

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56066A0204/00L000	Wallonia	2,310 m²	1 · 107 m²	7.6 m · 2 fl.
55035D0317/00H000	Wallonia	270 m²	1 · 99 m²	12.9 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

DR. ROELANDT T. DERMATOLOGIE

BE 0847.782.671

Hamme (Vl.) · Eq €195k

Of 16,603 companies in sector 86220 we hold annual accounts for 7,960. 6,716 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded31-10-2024

Fiscal year end31-12

Activities, NACEBEL

86220Specialist medical practice

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.