Laurent Hubert
ActiveSummary
The computed 12-month bankruptcy probability of Laurent Hubert is 1.9% (moderate). The 2025 annual accounts show equity of €131k and a net result of €48k. Equity is growing by ~40.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 4486 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+12
Solvency64▲+16
Growth79=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.56 in 2024; short-term debt: 17.3% and cash: 15% of total assets), and 61.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
38.9%
Return on assets
14.2%
Age of the figures
9 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 26-05-2026, 66 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
66 d early
2024
66 d early
2023
27 d late
2022
26 d late
2021
30 d late
2020
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€377k▲ 22.0%
2022 · €309k
2021: €287k
2022: €309k
2021 → 2023
EBIT margin
13.9%▲ 9.3pp
2022 · 4.6%
2021: 9.9%
2022: 4.6%
2021 → 2023
Net result
€48k▲ 169%
2024 · €18k
2020: €5k
2021: €20k
2022: €6k
2023: €31k
2024: €18k
2020 → 2025
Working capital
€3k
2024 · €-45k
2020: €-68k
2021: €-50k
2022: €-48k
2023: €-45k
2024: €-45k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€287k-€309k▲ 7.9%€377k▲ 22.0%
Equity€28k-€35k▲ 21.5%€65k▲ 88.3%€83k▲ 27.2%€131k▲ 57.5%
Operating result€28k-€14k▼ 49.6%€52k▲ 266%€38k▼ 27.0%€72k▲ 88.3%
Net result€20k-€6k▼ 69.8%€31k▲ 398%€18k▼ 41.9%€48k▲ 169%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 88% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€275k ▼ 11.0%
Current assets
€61k ▲ 6.7%
Equity and liabilities €336k
Equity
€131k ▲ 57.5%
Debt
€205k ▼ 27.5%
Debt's share of the balance-sheet total falls from 77.3% to 61.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€137k▲
2024 · €96k
Cash flow
€112k▲
2024 · €76k
Current ratio
1.04▲
2024 · 0.56
Debt to equity
1.57▼
2024 · 3.41
ROE
36.5%▲
2024 · 21.4%
ROA
14.2%▲
2024 · 4.9%
Interest coverage
13.29▲
2024 · 7.30
Debt ≤ 1 year
€58k▼
2024 · €102k
Debt > 1 year
€146k▼
2024 · €177k
Income taxes
€14k▲
2024 · €7k
Staff costs
€9k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€366k€336k▼
Fixed assets21/28€309k€275k▼
Tangible fixed assets22/27€309k€275k▼
Land and buildings22€130k€125k▼
Plant, machinery and equipment23€116k€102k▼
Furniture and vehicles24€57k€49k▼
Leasing and similar rights25€6k-
Current assets29/58€57k€61k▲
Amounts receivable within one year40/41€40k€6k▼
Trade receivables40€40k€3k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€13k€50k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€366k€336k▼
Equity10/15€83k€131k▲
Contributions10/11€3k€3k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€220€48k▲
Amounts payable17/49€283k€205k▼
Amounts payable after more than one year17€177k€146k▼
Financial debts170/4€177k€146k▼
Amounts payable within one year42/48€102k€58k▼
Current portion of amounts payable after more than one year42€49k€31k▼
Trade debts44€668€2k▲
Suppliers440/4€668€2k▲
Taxes, remuneration and social security45€5k€254▼
Taxes450/3€4k€9▼
Remuneration and social security454/9€996€244▼
Other amounts payable47/48€46k€25k▼
Accrued charges and deferred income492/3€4k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€65k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€111k€149k▲
Operating profit (loss)9901€38k€72k▲
Financial income75/76B€35€25▼
Recurring financial income75€35€25▼
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€25k€62k▲
Income taxes67/77€7k€14k▲
Profit (loss) for the period9904€18k€48k▲
Profit (loss) for the period to be appropriated9905€18k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€48k▲
Profit (loss) brought forward from the previous period14P€220€220=
Transfer to equity691/2€18k-
To other reserves6921€18k-
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €48k ▲169%
Operating result €72k, net result €48k, both a record.
31-12
Financial
Equity above €100kEq €131k ▲57.5%
6 profitable years in a row build equity to €131k.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ramillies · 1 establishment unit since 2019
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 du Piroy 1001367 RamilliesGround area
1,730 m²
Building footprint
178 m²
Volume, LiDAR
1,083 m³
Parcel 25002A0611/00X000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Laurent Hubert
since 20192.292.961.719
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25002A0611/00X000 | Wallonia | 1,730 m² | 1 · 178 m² | 8.4 m · 2 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.
Similar companies · same sector, comparable size
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BE 0745.388.976
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Steenokkerzeel · Eq €130,862
WILLEMS TUINEN
BE 0740.951.227
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CREA VERDE
BE 0460.991.114
Stabroek · Eq €130,980
Of 21,216 companies in sector 81300 we hold annual accounts for 4,362. 3,573 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
02200Logging
43120Site preparation
43320Joinery installation
43350Other building finishing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.