LAURAL
ActiveLAURAL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €218k and a net result of €-32k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▼-6
Solvency30▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.07 in 2023; short-term debt: 94.7% and cash: 5.8% of total assets), and 94.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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 2024Solvency, return and age of the figures
Solvency
5.3%
Return on assets
-0.8%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 4809 sector peers (2024).
NBB · sector comparisonPosition among 4809 sector peers
Solvency
better than 24%
← 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 15-10-2025, 76 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
76 d late
2023
180 d late
2022
35 d late
2022
115 d late
2021
34 d early
2020
34 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-32k
2023 · €65k
2019: €15k
2020: €22k
2021: €43k
2022: €87k
2022: €-34k
2023: €65k
2019 → 2024
Working capital
€218k▼ 12.8%
2023 · €250k
2019: €-118k
2020: €-119k
2021: €-73k
2022: €477k
2022: €416k
2023: €250k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202220232024Trend
Equity€224k-€219k▼ 2.0%€185k▼ 15.7%€250k▲ 35.1%€218k▼ 12.8%
Operating result€76k-€110k▲ 45.0%€-28k€84k€-30k
Net result€43k-€87k▲ 101%€-34k€65k€-32k
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.12M
Fixed assets
€125=
Current assets
€4.12M▲ 13.5%
Equity and liabilities €4.12M
Equity
€218k▼ 12.8%
Debt
€3.91M▲ 15.4%
The debt ratio rises from 93.1% to 94.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
5.3%▼
2023 · 6.9%
Current ratio
1.06▼
2023 · 1.07
Quick ratio
0.07▼
2023 · 0.16
Debt / equity
17.94▲
2023 · 13.56
ROE
-14.7%▼
2023 · 26.0%
ROA
-0.8%▼
2023 · 1.8%
Debt
€3.91M▲
2023 · €3.38M
Debt ≤ 1 year
€3.91M▲
2023 · €3.38M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.63M€4.12M▲
Fixed assets21/28€125€125=
Financial fixed assets28€125€125=
Current assets29/58€3.63M€4.12M▲
Stocks and contracts in progress3€3.08M€3.85M▲
Stocks30/36€3.08M€3.85M▲
Amounts receivable within one year40/41€524k€37k▼
Trade receivables40€332k€7k▼
Other amounts receivable41€192k€30k▼
Cash at bank and in hand54/58€23k€237k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€3.63M€4.12M▲
Equity10/15€250k€218k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€181k€149k▼
Amounts payable17/49€3.38M€3.91M▲
Amounts payable within one year42/48€3.38M€3.91M▲
Current portion of amounts payable after more than one year42€4k-
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€323k€610k▲
Suppliers440/4€323k€610k▲
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€3.06M€3.29M▲
Income statement
Code20232024
Other operating charges640/8€16k€14k▼
Gross operating margin9900€100k€-16k▼
Operating profit (loss)9901€84k€-30k▼
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€18k€2k▼
Recurring financial charges65€18k€2k▼
Profit (loss) for the period before taxes9903€67k€-32k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€65k€-32k▼
Profit (loss) for the period to be appropriated9905€65k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€149k▼
Profit (loss) brought forward from the previous period14P€117k€181k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 76 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 180 days late
2023
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
31-12
Financial
Equity above €200kEq €250k ▲35.1%
Equity rises from €185k to €250k.
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 35 days late
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 115 days late
2022
31-12
Financial
Weakest financial yearnet €-34k ▼139%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
30-06
Financial
Highest result since 2019net €87k ▲101%
Operating result €110k, net result €87k, both a record.
30-06
Financial
Liquidity times 12current ratio 1.29
Current ratio from 0.10 to 1.29.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €200kEq €224k ▲24.1%
3 profitable years in a row build equity to €224k.
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Vorst · 1 establishment unit since 1992
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.
Sint-Denijsstraat 1321190 VorstGround area
4,819 m²
Building footprint
3,566 m²
Volume, LiDAR
37,543 m³
2 parcels, Brussels · tallest building 18.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LAURAL SA
since 19922.057.428.297
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0030/00W000 | Brussels | 3,484 m² | 1 · 2,751 m² | 18.3 m · 3 fl. |
| 21012F0350/00D002 | Brussels | 1,335 m² | 1 · 815 m² | 14.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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IMMO PIERSON
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KP Investments
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Konsultek Group
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 5,307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-09-1991
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.