LAURENT
ActiveThe computed 12-month bankruptcy probability of LAURENT is 3.2% (moderate). The 2025 annual accounts show equity of €5k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 36378 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency32▲+7
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
7.5%
Return on assets
7.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 36378 sector peers (2024).
NBB · sector comparisonPosition among 36378 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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
49 d late
2024
61 d late
2023
70 d late
2022
15 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k
2024 · €-281
2022: €4k
2023: €-29k
2024: €-281
2022 → 2025
Total assets
€70k▼ 23.0%
2024 · €90k
2022: €60k
2023: €51k
2024: €90k
2022 → 2025
Net result
€5k▼ 80.6%
2024 · €28k
2022: €2k
2023: €-33k
2024: €28k
2022 → 2025
Working capital
€4k
2024 · €-5k
2022: €845
2023: €-35k
2024: €-5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€-29k€-281▲ 99.0%€5k
Operating result€5k-€-31k€34k€10k▼ 70.9%
Net result€2k-€-33k€28k€5k▼ 80.6%
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 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€10k▼ 25.6%
Current assets
€60k▼ 22.5%
Equity and liabilities €70k
Equity
€5k
Debt
€64k
Debt finances 92.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€14k▼
2024 · €37k
Cash flow
€10k▼
2024 · €32k
Solvency
7.5%▲
2024 · -0.3%
Current ratio
1.08▲
2024 · 0.94
Quick ratio
0.47▼
2024 · 0.56
Debt / equity
12.37
ROE
105.4%
ROA
7.9%▼
2024 · 31.4%
Interest coverage
6.79▼
2024 · 15.02
Debt
€64k▼
2024 · €91k
Debt ≤ 1 year
€55k▼
2024 · €82k
Debt > 1 year
€8k=
2024 · €8k
Income taxes
€1k▲
2024 · €160
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€90k€70k▼
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€4k€4k▼
Current assets29/58€77k€60k▼
Stocks and contracts in progress3€31k€34k▲
Stocks30/36€31k€34k▲
Amounts receivable within one year40/41€31k€10k▼
Trade receivables40€25k€10k▼
Other amounts receivable41€6k-
Cash at bank and in hand54/58€5k€10k▲
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€90k€70k▼
Equity10/15€-281€5k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-2k€3k▲
Amounts payable17/49€91k€64k▼
Amounts payable after more than one year17€8k€8k=
Financial debts170/4€8k€8k=
Amounts payable within one year42/48€82k€55k▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€174€3k▲
Taxes450/3€174€3k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€74k€46k▼
Accrued charges and deferred income492/3€648€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€42k€16k▼
Operating profit (loss)9901€34k€10k▼
Financial income75/76B€738€22▼
Recurring financial income75€573€22▼
Non-recurring financial income76B€166-
Financial charges65/66B€6k€3k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B€4k€872▼
Profit (loss) for the period before taxes9903€28k€7k▼
Income taxes67/77€160€1k▲
Profit (loss) for the period9904€28k€5k▼
Profit (loss) for the period to be appropriated9905€28k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€3k▲
Profit (loss) brought forward from the previous period14P€-31k€-2k▲
The notes to these accounts (8 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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Weakest financial yearnet €-33k ▼1596%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
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, Tienen · 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.
Sint-Laurentiusstraat(GTS) 493300 TienenGround area
1,670 m²
Building footprint
315 m²
Volume, LiDAR
2,057 m³
2 parcels, Flanders, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Laurent BV
since 20212.320.476.758
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24031C0256/00M000 | Flanders | 1,049 m² | 1 · 185 m² | 8.0 m · 2 fl. |
| 25053A0198/00G000 | Wallonia | 621 m² | 1 · 130 m² | 10.7 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,425 EUR awarded · 1,425 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,425 EUR | 1,425 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,531 companies in sector 43222 we hold annual accounts for 5,661. 1,380 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2021
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.