Laura Verduyn
ActiveLaura Verduyn has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-27k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 77% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.65 against 5.52 in 2024), and 20% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80%
Return on assets
-73%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
29 d late
2023
33 d early
2022
20 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 47.7%
2024 · €56k
2022: €37k
2023: €41k
2024: €56k
2022 → 2025
Total assets
€37k▼ 45.8%
2024 · €68k
2022: €57k
2023: €59k
2024: €68k
2022 → 2025
Net result
€-27k
2024 · €16k
2022: €34k
2023: €4k
2024: €16k
2022 → 2025
Working capital
€27k▼ 48.9%
2024 · €52k
2022: €37k
2023: €37k
2024: €52k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€37k-€41k▲ 9.9%€56k▲ 38.4%€29k▼ 47.7%
Operating result€44k-€6k▼ 85.8%€22k▲ 247%€-27k
Net result€34k-€4k▼ 89.4%€16k▲ 327%€-27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €22k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€3k▼ 30.7%
Current assets
€34k▼ 46.7%
Equity and liabilities €37k
Equity
€29k▼ 47.7%
Debt
€7k▼ 36.8%
The debt ratio rises from 17.1% to 20.0%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-26k▼
2024 · €23k
Cash flow
€-26k▼
2024 · €17k
Solvency
80.0%▼
2024 · 82.9%
Current ratio
4.65▼
2024 · 5.52
Quick ratio
4.65▼
2024 · 5.52
Debt / equity
0.25▲
2024 · 0.21
ROE
-91.2%▼
2024 · 27.8%
ROA
-73.0%▼
2024 · 23.0%
Interest coverage
-333.88▼
2024 · 342.63
Debt
€7k▼
2024 · €12k
Debt ≤ 1 year
€7k▼
2024 · €12k
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€68k€37k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€743€378▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€64k€34k▼
Amounts receivable after more than one year29€16k€16k=
Other amounts receivable291€16k€16k=
Amounts receivable within one year40/41€13k€703▼
Trade receivables40€13k-
Other amounts receivable41-€703
Cash at bank and in hand54/58€35k€18k▼
Equity and liabilities
Total equity and liabilities10/49€68k€37k▼
Equity10/15€56k€29k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€54k€27k▼
Amounts payable17/49€12k€7k▼
Amounts payable within one year42/48€12k€7k▼
Trade debts44€303€53▼
Suppliers440/4€303€53▼
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€6k▼
Other amounts payable47/48€24€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€614€527▼
Gross operating margin9900€24k€-25k▼
Operating profit (loss)9901€22k€-27k▼
Financial charges65/66B€67€77▲
Recurring financial charges65€67€77▲
Profit (loss) for the period before taxes9903€22k€-27k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€16k€-27k▼
Profit (loss) for the period to be appropriated9905€16k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€27k▼
Profit (loss) brought forward from the previous period14P€38k€54k▲
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
28-07
State Gazette act
Capital & shares · Purpose · MiscellaneousGeneral meeting · Purpose change · Corporate purpose7 facts ▸
State Gazette act
Capital & shares · Purpose · Miscellaneous
General meeting · Purpose change · Corporate purpose7 facts ▸
- General meeting, 24 juli 2026
- Purpose change, De vennootschap heeft tot voorwerp, het bestuur als bestuurder van een professionele notarisvennootschap, met uitsluiting van enige activiteit buiten de profess…
- Corporate purpose, De vennootschap heeft tot voorwerp, het bestuur als bestuurder van een professionele notarisvennootschap, met uitsluiting van enige activiteit buiten de profess…
- Statutes amendment
- Statutes amendment
- Power of attorney, Georges Hougarts
- Power of attorney, Laura Verduyn
2025
31-12
Financial
Weakest financial yearnet €-27k ▼272%
Net result drops to €-27k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wellen · 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.
Ulbeekstraat 23B3832 WellenGround area
475 m²
Building footprint
40 m²
Volume, LiDAR
364 m³
Parcel 73085B0373/00A000, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Laura Verduyn
since 20212.324.141.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73085B0373/00A000 | Flanders | 475 m² | 1 · 40 m² | 15.3 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.
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Of 2,752 companies in sector 69109 we hold annual accounts for 1,205. 863 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2021
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.