Summary
LAUBEL 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 €81,844 and a net result of €24,098. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 9872 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9872 sector peers (2024).
NBB · sector comparisonPosition among 9872 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
30 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 38 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€81,844▲ 41.7%
2023 · €57,746
Net result
€24,098▼ 28.1%
2023 · €33,538
Total assets
€819,576▼ 7.2%
2023 · €882,706
Solvency
10.0%▲ 3.4pp
2023 · 6.5%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€1,189-€10,399▲ 774%€26,290▲ 153%€39,486▲ 50.2%
Net result-€5,051below the sector's middle half-€259below the sector's middle half€33,538within the sector's middle half▲ 12,853%€24,098within the sector's middle half▼ 28.1%
Equity€53,949within the sector's middle half-€54,208within the sector's middle half▲ 0.5%€57,746within the sector's middle half▲ 6.5%€81,844within the sector's middle half▲ 41.7%
Total assets€507,952within the sector's middle half-€895,113within the sector's middle half▲ 76.2%€882,706within the sector's middle half▼ 1.4%€819,576within the sector's middle half▼ 7.2%
Debt€454,003-€840,905▲ 85.2%€824,960▼ 1.9%€737,731▼ 10.6%
Working capital-€54,792below the sector's middle half--€195,245below the sector's middle half▼ 256%-€201,725below the sector's middle half▼ 3.3%-€199,713below the sector's middle half▲ 1.0%
Solvency10.6%below the sector's middle half-6.1%below the sector's middle half▼ 4.6pp6.5%below the sector's middle half▲ 0.5pp10.0%below the sector's middle half▲ 3.4pp
Current ratio0.63below the sector's middle half-0.13below the sector's middle half▼ 0.500.20below the sector's middle half▲ 0.070.05below the sector's middle half▼ 0.15
Return on assets (ROA)-1.0%below the sector's middle half-0.0%below the sector's middle half▲ 1.0pp3.8%within the sector's middle half▲ 3.8pp2.9%within the sector's middle half▼ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 50% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €818,305
Fixed assets
€806,999 ▼ 2.7%
Current assets
€11,306 ▼ 78.2%
Equity and liabilities €819,576
Equity
€81,844 ▲ 41.7%
Debt
€737,731 ▼ 10.6%
Debt's share of the balance-sheet total falls from 93.5% to 90.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
29.4%▼
2023 · 58.1%
Debt ≤ 1 year
€211,019▼
2023 · €253,639
Debt > 1 year
€526,712▼
2023 · €571,321
Income taxes
€5,602▲
2023 · €491
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,097 | €30,670 | €40,001 | €41,454 | ▲ 3.6% |
| Other operating charges640/8 | €1,666 | €914 | €1,313 | €2,055 | ▲ 56.5% |
| Gross operating margin9900 | €20,953 | €41,983 | €67,604 | €82,994 | ▲ 22.8% |
| Operating profit (loss)9901 | €1,189 | €10,399 | €26,290 | €39,486 | ▲ 50.2% |
| Financial income75/76B | - | - | €18,193 | - | - |
| Recurring financial income75 | - | - | €18,193 | - | - |
| Non-recurring financial income76B | - | - | €18,193 | - | - |
| Financial charges65/66B | €6,240 | €9,599 | €10,454 | €9,787 | ▼ 6.4% |
| Recurring financial charges65 | €6,240 | €9,599 | €10,454 | €9,787 | ▼ 6.4% |
| Profit (loss) for the period before taxes9903 | -€5,051 | €800 | €34,029 | €29,700 | ▼ 12.7% |
| Income taxes67/77 | - | €541 | €491 | €5,602 | ▲ 1,041% |
| Profit (loss) for the period9904 | -€5,051 | €259 | €33,538 | €24,098 | ▼ 28.1% |
| Profit (loss) for the period to be appropriated9905 | -€5,051 | €259 | €33,538 | €24,098 | ▼ 28.1% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €507,952 | €895,113 | €882,706 | €819,576 | ▼ 7.2% |
| Formation expenses20 | €1,928 | €1,709 | €1,490 | €1,271 | ▼ 14.7% |
| Fixed assets21/28 | €412,671 | €862,933 | €829,302 | €806,999 | ▼ 2.7% |
| Tangible fixed assets22/27 | €412,671 | €862,933 | €829,302 | €806,999 | ▼ 2.7% |
| Land and buildings22 | €412,671 | €862,933 | €828,907 | €789,463 | ▼ 4.8% |
| Plant, machinery and equipment23 | - | - | - | €16,384 | - |
| Furniture and vehicles24 | - | - | €396 | €1,152 | ▲ 191% |
| Current assets29/58 | €93,353 | €30,471 | €51,914 | €11,306 | ▼ 78.2% |
| Amounts receivable after more than one year29 | - | - | €25,592 | - | - |
| Trade receivables290 | - | - | €25,592 | - | - |
| Amounts receivable within one year40/41 | €4,252 | €18,755 | - | €3,297 | - |
| Trade receivables40 | €144 | €18,755 | - | €3,297 | - |
| Other amounts receivable41 | €4,108 | - | - | - | - |
| Cash at bank and in hand54/58 | €89,101 | €11,716 | €26,323 | €8,009 | ▼ 69.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €507,952 | €895,113 | €882,706 | €819,576 | ▼ 7.2% |
| Equity10/15 | €53,949 | €54,208 | €57,746 | €81,844 | ▲ 41.7% |
| Contributions10/11 | €59,000 | €59,000 | €59,000 | €59,000 | = |
| Reserves13 | - | - | - | €22,844 | - |
| Distributable reserves133 | - | - | - | €22,844 | - |
| Profit (loss) carried forward14 | -€5,051 | -€4,792 | -€1,254 | - | - |
| Amounts payable17/49 | €454,003 | €840,905 | €824,960 | €737,731 | ▼ 10.6% |
| Amounts payable after more than one year17 | €305,858 | €615,189 | €571,321 | €526,712 | ▼ 7.8% |
| Financial debts170/4 | €305,858 | €615,189 | €571,321 | €526,712 | ▼ 7.8% |
| Amounts payable within one year42/48 | €148,145 | €225,716 | €253,639 | €211,019 | ▼ 16.8% |
| Current portion of amounts payable after more than one year42 | €21,054 | €43,194 | €43,868 | €44,609 | ▲ 1.7% |
| Trade debts44 | €5,818 | €208 | €1,376 | €902 | ▼ 34.5% |
| Suppliers440/4 | €5,818 | €208 | €1,376 | €902 | ▼ 34.5% |
| Taxes, remuneration and social security45 | - | €1,042 | €2,173 | €2,887 | ▲ 32.9% |
| Taxes450/3 | - | €1,042 | €2,173 | €2,887 | ▲ 32.9% |
| Other amounts payable47/48 | €121,273 | €181,273 | €206,222 | €162,622 | ▼ 21.1% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,051 | €259 | €33,538 | €24,098 | ▼ 28.1% |
| + Depreciation and write-downs630 | €18,097 | €30,670 | €40,001 | €41,454 | ▲ 3.6% |
| Operating cash flow (approximation) | €13,047 | €30,929 | €73,539 | €65,552 | ▼ 10.9% |
| Investment in fixed assets (approximation) | - | -€480,933 | -€6,370 | -€19,150 | ▼ 201% |
| Change in cash | - | -€77,385 | €14,607 | -€18,314 | ▼ 225% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2021net €33,538 ▲12,853%
Net result €33,538, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €259
Net result €259 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Maasmechelen · 1 establishment unit since 2020
Ground area
1,772 m²
Building footprint
265 m²
Volume, LiDAR
447 m³
Parcel 73084A0329/00C000, Flanders · tallest building 7.2 m. Linked by address, not a title deed.
1 establishment unit
LAUBEL
since 20202.307.931.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73084A0329/00C000 | Flanders | 1,772 m² | 1 · 265 m² | 7.2 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 11,822 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
35150Electricity, gas, steam and air conditioning supply
E-invoicing
Reachable via Peppol
Peppol ID
0208:0755396309
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.