LAURENT B. SPRL
ActiveLAURENT B. SPRL has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €-4k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-42
Solvency87▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.6 against 2.5 in 2024; short-term debt: 37% of total assets), and 37.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
62.4%
Return on assets
-2.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 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
11 d late
2024
10 d late
2023
on the day
2022
1 d early
2021
18 d early
2020
2 d early
2019
124 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▼ 3.7%
2024 · €110k
2019: €88k
2020: €91k
2021: €98k
2022: €96k
2023: €97k
2024: €110k
2019 → 2025
Total assets
€170k▼ 8.6%
2024 · €186k
2019: €176k
2020: €163k
2021: €178k
2022: €181k
2023: €180k
2024: €186k
2019 → 2025
Net result
€-4k
2024 · €13k
2019: €16k
2020: €4k
2021: €6k
2022: €-1k
2023: €204
2024: €13k
2019 → 2025
Working capital
€101k▼ 5.8%
2024 · €107k
2019: €104k
2020: €92k
2021: €91k
2022: €91k
2023: €90k
2024: €107k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€96k▼ 1.2%€97k▲ 0.2%€110k▲ 13.9%€106k▼ 3.7%
Operating result€10k-€3k▼ 73.4%€7k▲ 143%€23k▲ 237%€3k▼ 88.5%
Net result€6k-€-1k€204€13k▲ 6,471%€-4k
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 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€6k▼ 17.4%
Current assets
€163k▼ 8.2%
Equity and liabilities €170k
Equity
€106k▼ 3.7%
Debt
€64k▼ 15.7%
The debt ratio falls from 40.8% to 37.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €26k
Cash flow
€985▼
2024 · €17k
Solvency
62.4%▲
2024 · 59.2%
Current ratio
2.60▲
2024 · 2.50
Quick ratio
2.60▲
2024 · 2.50
Debt / equity
0.60▼
2024 · 0.69
ROE
-3.9%▼
2024 · 12.2%
ROA
-2.4%▼
2024 · 7.2%
Interest coverage
1.15▼
2024 · 4.74
Debt
€64k▼
2024 · €76k
Debt ≤ 1 year
€63k▼
2024 · €71k
Income taxes
€1▼
2024 · €4k
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€186k€170k▼
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€7k€6k▼
Furniture and vehicles24-€6k
Leasing and similar rights25€7k-
Financial fixed assets28€675€675=
Current assets29/58€178k€163k▼
Amounts receivable within one year40/41€175k€161k▼
Trade receivables40€14k-
Other amounts receivable41€161k€161k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€186k€170k▼
Equity10/15€110k€106k▼
Contributions10/11€13k€13k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€96k€92k▼
Amounts payable17/49€76k€64k▼
Amounts payable within one year42/48€71k€63k▼
Current portion of amounts payable after more than one year42€974-
Financial debts43€53k€55k▲
Credit institutions430/8€53k€55k▲
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€1k-
Accrued charges and deferred income492/3€4k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€18k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€28k€28k▲
Operating profit (loss)9901€23k€3k▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€17k€-4k▼
Income taxes67/77€4k€1▼
Profit (loss) for the period9904€13k€-4k▼
Profit (loss) for the period to be appropriated9905€13k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€92k▼
Profit (loss) brought forward from the previous period14P€82k€96k▲
The notes to these accounts (6 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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-06
Financial
Weakest financial yearnet €-4k ▼130%
Net result drops to €-4k, the lowest in the series.
10-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
30-06
Financial
Equity above €100kEq €110k ▲13.9%
2 profitable years in a row build equity to €110k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €204
Net result €204 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 124 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2007
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 Communes 66044 CharleroiGround area
573 m²
Building footprint
50 m²
Parcel 52061A0233/00C005, Wallonia. Linked by address, not a title deed.
1 establishment unit
Laurent B.
since 20072.163.120.982
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52061A0233/00C005 | Wallonia | 573 m² | 1 · 50 m² | - |
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.
Similar companies · same sector, comparable size
H & C COMPANY
BE 0742.630.614
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IMTO
BE 0662.403.003
Sint-Niklaas · Eq €106k
HABITAT CONFORT
BE 0849.744.546
Stoumont · Eq €106k
MKA Bouw & Renovatie
BE 0785.795.911
Anderlecht · Eq €106k
IGMA
BE 0656.484.221
Buggenhout · Eq €106k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,078 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-05-2007
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.