LAURE & PAPER
ActiveLAURE & PAPER has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 2024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +65 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency69▲+30
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 0.74 in 2024), but 64.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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
35.6%
Return on assets
44.1%
Age of the figures
8 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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
14 d late
2023
31 d late
2022
2 d late
2021
26 d late
2020
29 d late
2019
3 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€25k
EBIT margin
-8.2%
Net result
€22k▼ 21.2%
2024 · €28k
2018: €-2k
2019: €-12k
2020: €4k
2021: €3k
2022: €-13k
2023: €-14k
2024: €28k
2018 → 2025
Working capital
€18k
2024 · €-4k
2018: €80
2019: €-12k
2020: €-8k
2021: €-4k
2022: €-18k
2023: €-33k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€-18k▼ 264%€-33k▼ 76.5%€-4k▲ 86.8%€18k
Operating result€3k-€-13k€-14k▼ 5.4%€28k€29k▲ 4.0%
Net result€3k-€-13k€-14k▼ 5.5%€28k€22k▼ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024 and is the highest year so far.
Balance-sheet composition
Equity and liabilities €50k
Equity
€18k
Debt
€32k
Debt finances 64.4% of the balance-sheet total.
Key figures and ratios
Solvency
35.6%▲
2024 · -35.4%
Current ratio
1.57▲
2024 · 0.74
Quick ratio
1.57▲
2024 · 0.74
Debt / equity
1.81▲
2024 · -3.82
ROE
123.9%▲
2024 · -658.3%
ROA
44.1%▼
2024 · 233.1%
Debt
€32k▲
2024 · €16k
Debt ≤ 1 year
€32k▲
2024 · €16k
Income taxes
€7k
Staff costs
€37k▲
2024 · €32k
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€12k€50k▲
Current assets29/58€12k€50k▲
Amounts receivable within one year40/41€4k€49k▲
Trade receivables40€4k€49k▲
Other amounts receivable41-€223
Cash at bank and in hand54/58€8k€2k▼
Equity and liabilities
Total equity and liabilities10/49€12k€50k▲
Equity10/15€-4k€18k▲
Contributions10/11€6k€6k=
Reserves13€15€15=
Non-distributable reserves130/1€15€15=
Reserves not available under the articles1311€15€15=
Profit (loss) carried forward14€-11k€12k▲
Amounts payable17/49€16k€32k▲
Amounts payable within one year42/48€16k€32k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€4k€16k▲
Accrued charges and deferred income492/3-€424
Income statement
Code20242025
Remuneration, social security and pensions62€32k€37k▲
Gross operating margin9900€61k€67k▲
Operating profit (loss)9901€28k€29k▲
Financial income75/76B€0€5▲
Recurring financial income75€0€5▲
Financial charges65/66B€47€78▲
Recurring financial charges65€47€78▲
Profit (loss) for the period before taxes9903€28k€29k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€28k€22k▼
Profit (loss) for the period to be appropriated9905€28k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€12k▲
Profit (loss) brought forward from the previous period14P€-39k€-11k▲
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
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 1.57
Current ratio from 0.74 to 1.57.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
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
2 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, Chaudfontaine · 1 establishment unit since 2000
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.
Rue des Cerisiers 764053 ChaudfontaineGround area
1,669 m²
Building footprint
164 m²
Volume, LiDAR
1,063 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAURE & PAPER
since 20002.096.760.611
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62104D0320/00N024 | Wallonia | 945 m² | 1 · 72 m² | 8.6 m · 2 fl. |
| 62104D0320/00F026 | Wallonia | 724 m² | 1 · 92 m² | 7.9 m · 2 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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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 29,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
85599Other education
62010Computer programming, consultancy and related activities
62100Computer programming
72220
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.