LAURA - LEX
ActiveSummary
LAURA - LEX has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €10k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 87% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.44 against 9.85 in 2024; short-term debt: 12% and cash: 65.2% of total assets), and 12% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
88%
Return on assets
11.3%
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 07-06-2026, 54 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
54 d early
2024
62 d early
2023
135 d early
2022
54 d early
2021
41 d early
2020
2 d late
2019
61 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▼ 11.4%
2024 · €89k
2018: €73k
2019: €81k
2020: €62k
2021: €90k
2022: €76k
2023: €70k
2024: €89k
2018 → 2025
Total assets
€89k▼ 8.4%
2024 · €98k
2018: €119k
2019: €154k
2020: €114k
2021: €132k
2022: €85k
2023: €84k
2024: €98k
2018 → 2025
Net result
€10k▼ 46.6%
2024 · €19k
2018: €5k
2019: €8k
2020: €-19k
2021: €28k
2022: €19k
2023: €-6k
2024: €19k
2018 → 2025
Working capital
€69k▼ 12.2%
2024 · €78k
2018: €76k
2019: €84k
2020: €65k
2021: €94k
2022: €64k
2023: €59k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€76k▼ 14.9%€70k▼ 8.4%€89k▲ 27.0%€79k▼ 11.4%
Operating result€36k-€28k▼ 21.8%€-330€29k€16k▼ 45.4%
Net result€28k-€19k▼ 30.9%€-6k€19k€10k▼ 46.6%
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 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€10k ▼ 4.9%
Current assets
€80k ▼ 8.9%
Equity and liabilities €89k
Equity
€79k ▼ 11.4%
Debt
€11k ▲ 20.7%
Debt's share of the balance-sheet total rises from 9.1% to 12.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17k▼
2024 · €30k
Cash flow
€11k▼
2024 · €19k
Current ratio
7.44▼
2024 · 9.85
Debt to equity
0.14▲
2024 · 0.10
ROE
12.8%▼
2024 · 21.3%
ROA
11.3%▼
2024 · 19.3%
Interest coverage
306.31
Debt ≤ 1 year
€11k▲
2024 · €9k
Income taxes
€6k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€98k€89k▼
Fixed assets21/28€10k€10k▼
Tangible fixed assets22/27€10k€10k▼
Land and buildings22€9k€9k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€87k€80k▼
Amounts receivable within one year40/41-€21k
Trade receivables40-€4k
Other amounts receivable41-€17k
Cash at bank and in hand54/58€87k€58k▼
Equity and liabilities
Total equity and liabilities10/49€98k€89k▼
Equity10/15€89k€79k▼
Contributions10/11€19k€19k=
Reserves13€70k€60k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€68k€58k▼
Amounts payable17/49€9k€11k▲
Amounts payable within one year42/48€9k€11k▲
Trade debts44€1k€100▼
Suppliers440/4€1k€100▼
Taxes, remuneration and social security45€4k€11k▲
Taxes450/3€4k€11k▲
Other amounts payable47/48€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€512€507▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€32k€19k▼
Operating profit (loss)9901€29k€16k▼
Financial income75/76B€3€435▲
Recurring financial income75€3€435▲
Financial charges65/66B-€54
Recurring financial charges65-€54
Profit (loss) for the period before taxes9903€29k€16k▼
Income taxes67/77€11k€6k▼
Profit (loss) for the period9904€19k€10k▼
Profit (loss) for the period to be appropriated9905€19k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€10k▼
Transfer from equity791/2-€20k
Transfer to equity691/2€19k€10k▼
To other reserves6921€19k€10k▼
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
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
07-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
31-12
Financial
Weakest financial yearnet €-19k ▼328%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Ronse · 1 establishment unit since 1988
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.
Grote Markt 249600 RonseGround area
660 m²
Building footprint
280 m²
Volume, LiDAR
2,834 m³
Parcel 45423E0634/00H000, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Grote Markt 24, 9600 Ronse
since 19882.040.688.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45423E0634/00H000 | Flanders | 660 m² | 1 · 280 m² | 16.0 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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ABFisc
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 836 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-09-1988
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.