Laulan is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €374k and a net result of €169k. Equity is growing by ~86.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 65 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
1 d early
2023
9 d early
2022
2 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€374k▲ 82.3%
2024 · €205k
2022: €58k
2023: €108k
2024: €205k
2022 → 2025
Net result
€169k▲ 74.3%
2024 · €97k
2022: €54k
2023: €50k
2024: €97k
2022 → 2025
Total assets
€624k▲ 30.0%
2024 · €480k
2022: €220k
2023: €480k
2024: €480k
2022 → 2025
Solvency
60.0%▲ 17.2pp
2024 · 42.8%
2022: 26.4%
2023: 22.6%
2024: 42.8%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€58k-€108k▲ 86.8%€205k▲ 89.4%€374k▲ 82.3%
Operating result€70k-€77k▲ 10.8%€141k▲ 81.6%€86k▼ 39.2%
Net result€54k-€50k▼ 6.4%€97k▲ 92.5%€169k▲ 74.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €624k
Fixed assets
€394k▲ 0.6%
Current assets
€230k▲ 160%
Equity and liabilities €624k
Equity
€374k▲ 82.3%
Debt
€250k▼ 9.2%
The debt ratio falls from 57.2% to 40.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
60.0%▲
2024 · 42.8%
ROE
45.2%▼
2024 · 47.2%
ROA
27.1%▲
2024 · 20.2%
Debt
€250k▼
2024 · €275k
Debt ≤ 1 year
€52k▲
2024 · €41k
Debt > 1 year
€198k▼
2024 · €234k
Income taxes
€26k▼
2024 · €35k
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€480k€624k▲
Fixed assets21/28€392k€394k▲
Tangible fixed assets22/27€8k€10k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€9k▲
Financial fixed assets28€384k€384k=
Current assets29/58€88k€230k▲
Amounts receivable within one year40/41€24k€67k▲
Trade receivables40€0-
Other amounts receivable41€24k€67k▲
Current investments50/53€0€1k▲
Cash at bank and in hand54/58€64k€159k▲
Deferred charges and accrued income490/1€298€2k▲
Equity and liabilities
Total equity and liabilities10/49€480k€624k▲
Equity10/15€205k€374k▲
Contributions10/11€5k€5k=
Reserves13€200k€369k▲
Distributable reserves133€200k€369k▲
Amounts payable17/49€275k€250k▼
Amounts payable after more than one year17€234k€198k▼
Financial debts170/4€234k€198k▼
Amounts payable within one year42/48€41k€52k▲
Current portion of amounts payable after more than one year42€35k€36k▲
Financial debts43€11€6k▲
Credit institutions430/8€11€11=
Other loans439-€6k
Trade debts44€1k€500▼
Suppliers440/4€1k€500▼
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€2k€7k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€69€617▲
Gross operating margin9900€142k€88k▼
Operating profit (loss)9901€141k€86k▼
Financial income75/76B€1k€117k▲
Recurring financial income75€1k€117k▲
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€132k€195k▲
Income taxes67/77€35k€26k▼
Profit (loss) for the period9904€97k€169k▲
Profit (loss) for the period to be appropriated9905€97k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€169k▲
Transfer to equity691/2€97k€169k▲
To other reserves6921€97k€169k▲
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €169k ▲74.3%
Net result €169k, the highest in the series.
30-09
Financial
Liquidity doublescurrent ratio 4.41
Current ratio from 2.16 to 4.41.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €205k ▲89.4%
3 profitable years in a row build equity to €205k.
21-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €50k ▼6.4%
Net result drops to €50k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100kEq €108k ▲86.8%
2 profitable years in a row build equity to €108k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
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, Lanaken · 1 establishment unit since 2021
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.
Ladderstraat 163620 LanakenGround area
1,546 m²
Building footprint
260 m²
Parcel 73057A0457/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
Laulan
since 20212.316.967.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73057A0457/00G000 | Flanders | 1,545 m² | 1 · 260 m² | - |
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.
Similar companies · same sector, comparable size
CHRISTOPHE DEPORTEMONT
BE 0871.584.986
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JOS VAN REGENMORTEL
BE 0437.049.831
Zandhoven · Eq €367k
Bruno Denijs
BE 0427.483.057
Kortrijk · Eq €385k
SCHOEPP MICHEL
BE 0431.581.209
Rixensart · Eq €417k
Bureau d'Assurance François MICHAUX
BE 0892.723.068
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Of 95 companies in sector 65112 we hold annual accounts for 53. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2021
Fiscal year end30-09
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.