Summary
LAURYVES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €652k and a net result of €-41k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 2394 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 7 filingsDeviation from the deadline
2025
52 d late
2024
46 d late
2023
30 d late
2022
28 d late
2021
92 d late
2020
28 d late
2019
91 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, full schema
Equity
€652k▼ 5.9%
2024 · €693k
2019: €246k
2020: €327k
2021: €469k
2022: €653k
2023: €701k
2024: €693k
2019 → 2025
Net result
€-41k▼ 393%
2024 · €-8k
2019: €96k
2020: €81k
2021: €142k
2022: €184k
2023: €48k
2024: €-8k
2019 → 2025
Total assets
€1.07M▲ 6.4%
2024 · €1.00M
2019: €1.02M
2020: €1.01M
2021: €1.05M
2022: €1.16M
2023: €1.08M
2024: €1.00M
2019 → 2025
Solvency
61.1%▼ 8.0pp
2024 · 69.0%
2019: 24.1%
2020: 32.4%
2021: 44.6%
2022: 56.5%
2023: 65.0%
2024: 69.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€274k-€347k▲ 26.8%€383k▲ 10.3%€345k▼ 10.0%€316k▼ 8.3%
Equity€469k-€653k▲ 39.2%€701k▲ 7.3%€693k▼ 1.2%€652k▼ 5.9%
Operating result€197k-€252k▲ 27.9%€68k▼ 73.0%€-5k€-35k▼ 648%
Net result€142k-€184k▲ 29.8%€48k▼ 74.0%€-8k€-41k▼ 393%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €35k in 2025 against €5k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€988k =
Current assets
€80k ▲ 407%
Equity and liabilities €1.07M
Equity
€652k ▼ 5.9%
Debt
€415k ▲ 33.7%
The debt ratio rises from 31.0% to 38.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-6.3%▼
2024 · -1.2%
ROA
-3.8%▼
2024 · -0.8%
Debt ≤ 1 year
€411k▲
2024 · €208k
Income taxes
€24
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.00M€1.07M▲
Formation expenses20€0€0=
Fixed assets21/28€988k€988k=
Financial fixed assets28€988k€988k=
Current assets29/58€16k€80k▲
Amounts receivable within one year40/41€16k€79k▲
Other amounts receivable41€16k€79k▲
Cash at bank and in hand54/58€1€236▲
Deferred charges and accrued income490/1-€47
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.07M▲
Equity10/15€693k€652k▼
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€63k€63k=
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€48k€48k=
Profit (loss) carried forward14€479k€439k▼
Amounts payable17/49€311k€415k▲
Amounts payable after more than one year17€102k-
Financial debts170/4€102k-
Amounts payable within one year42/48€208k€411k▲
Current portion of amounts payable after more than one year42€102k€102k=
Trade debts44€65k€3k▼
Suppliers440/4€65k€3k▼
Other amounts payable47/48€41k€306k▲
Accrued charges and deferred income492/3€506€4k▲
Income statement
Code20242025
Turnover70€345k€316k▼
Non-recurring operating income76A€175-
Goods, raw materials, services and sundry goods60/61€349k€351k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€320-
Gross operating margin9900€-4k€-35k▼
Operating profit (loss)9901€-5k€-35k▼
Financial income75/76B-€47
Recurring financial income75-€47
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€-8k€-41k▼
Income taxes67/77-€24
Profit (loss) for the period9904€-8k€-41k▼
Profit (loss) for the period to be appropriated9905€-8k€-41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€479k€439k▼
Profit (loss) brought forward from the previous period14P€488k€479k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (9 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 52 days late
2025
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series.
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 46 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Highest result since 2019net €184k ▲29.8%
Operating result €252k, net result €184k, both a record.
31-12
Financial
Equity above €500kEq €653k ▲39.2%
4 profitable years in a row build equity to €653k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 28 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Morlanwelz · 1 establishment unit since 2018
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 Ateliers(MLZ) 1227140 MorlanwelzGround area
1.7 ha
Building footprint
1,764 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
LAURYVES
since 20182.279.671.630
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56057A0291/00E004 | Wallonia | 1.6 ha | 1 · 1,663 m² | - |
| 92110B0246/00H000 | Wallonia | 1,711 m² | 1 · 101 m² | - |
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.
Similar companies · same sector, comparable size
ICE Advice
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K.E.V. SERVICE
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PEXCHATEAU
BE 0553.804.375
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LIEPREST
BE 0550.657.419
Lievegem · Eq €652k
GEMAD
BE 0438.400.903
Ledegem · Eq €651k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,398 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-08-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.