LAUDECAREL
ActiveLAUDECAREL has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €602k and a net result of €42k. Equity is growing by ~4.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 4.86 against 61.73 in 2024; short-term debt: 18.5% and cash: 22.8% of total assets), and 18.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
81.3%
Return on assets
5.6%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
28 d late
2023
28 d late
2022
7 d late
2021
61 d late
2020
17 d early
2019
69 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€602k▼ 12.4%
2024 · €687k
2018: €506k
2019: €540k
2020: €555k
2021: €588k
2022: €599k
2023: €644k
2024: €687k
2018 → 2025
Total assets
€740k▲ 5.1%
2024 · €704k
2018: €530k
2019: €561k
2020: €577k
2021: €596k
2022: €610k
2023: €656k
2024: €704k
2018 → 2025
Net result
€42k▼ 3.1%
2024 · €43k
2018: €-1k
2019: €35k
2020: €14k
2021: €34k
2022: €11k
2023: €45k
2024: €43k
2018 → 2025
Working capital
€529k▼ 13.3%
2024 · €610k
2018: €430k
2019: €470k
2020: €498k
2021: €527k
2022: €515k
2023: €556k
2024: €610k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€588k-€599k▲ 1.8%€644k▲ 7.6%€687k▲ 6.7%€602k▼ 12.4%
Operating result€30k-€35k▲ 18.1%€51k▲ 46.6%€48k▼ 6.5%€53k▲ 9.6%
Net result€34k-€11k▼ 68.1%€45k▲ 322%€43k▼ 5.3%€42k▼ 3.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €740k
Fixed assets
€75k▼ 11.3%
Current assets
€666k▲ 7.4%
Equity and liabilities €740k
Equity
€602k▼ 12.4%
Debt
€138k▲ 703%
The debt ratio rises from 2.4% to 18.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €60k
Cash flow
€54k▼
2024 · €55k
Solvency
81.3%▼
2024 · 97.6%
Current ratio
4.86▼
2024 · 61.73
Quick ratio
4.86▼
2024 · 61.73
Debt / equity
0.23▲
2024 · 0.03
ROE
6.9%▲
2024 · 6.2%
ROA
5.6%▼
2024 · 6.1%
Interest coverage
7.81▼
2024 · 83.91
Debt
€138k▲
2024 · €17k
Debt ≤ 1 year
€137k▲
2024 · €10k
Income taxes
€22k▲
2024 · €22k
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€704k€740k▲
Fixed assets21/28€84k€75k▼
Tangible fixed assets22/27€84k€75k▼
Land and buildings22€25k€22k▼
Plant, machinery and equipment23€53k€47k▼
Furniture and vehicles24€970€1k▲
Other tangible fixed assets26€5k€3k▼
Current assets29/58€620k€666k▲
Amounts receivable within one year40/41€8k€8k▲
Trade receivables40€6k€3k▼
Other amounts receivable41€2k€6k▲
Current investments50/53€568k€481k▼
Cash at bank and in hand54/58€37k€169k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€704k€740k▲
Equity10/15€687k€602k▼
Contributions10/11€425k€425k=
Capital10€425k€425k=
Issued capital100€425k€425k=
Reserves13€262k€177k▼
Non-distributable reserves130/1€24k€25k▲
Legal reserve130€24k€25k▲
Distributable reserves133€238k€152k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€17k€138k▲
Amounts payable within one year42/48€10k€137k▲
Trade debts44€613€6k▲
Suppliers440/4€613€6k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€0€122k▲
Accrued charges and deferred income492/3€7k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€726€77▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€9k€11k▲
Non-recurring operating charges66A€85€113▲
Gross operating margin9900€70k€75k▲
Operating profit (loss)9901€48k€53k▲
Financial income75/76B€18k€19k▲
Recurring financial income75€18k€19k▲
Financial charges65/66B€720€8k▲
Recurring financial charges65€720€8k▲
Profit (loss) for the period before taxes9903€65k€64k▼
Income taxes67/77€22k€22k▲
Profit (loss) for the period9904€43k€42k▼
Profit (loss) for the period to be appropriated9905€43k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€42k▼
Transfer from equity791/2-€140k
Transfer to equity691/2€43k€55k▲
To the legal reserve6920€2k€15k▲
To other reserves6921€41k€40k▼
Profit to be distributed694/7-€126k
Return on contributions (dividend)694-€126k
The notes to these accounts (4 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €45k ▲322%
Net result €45k, the highest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Liquidity times 9current ratio 210.83
Current ratio from 24.27 to 210.83; short-term debt falls from €21k to €3k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Nivelles
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.
Chemin de Fontaine-l'Evêque 311400 NivellesGround area
3,023 m²
Building footprint
237 m²
Volume, LiDAR
1,297 m³
Parcel 25783F0260/00H000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783F0260/00H000 | Wallonia | 3,023 m² | 1 · 237 m² | 8.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
96760095EMVPL55B1124
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-12-1987
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.