LAUV
ActiveSummary
LAUV is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€48,773) and a net result of -€41,723. Its solvency ranks better than 5% of 8094 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8094 sector peers (2025).
NBB · sector comparisonPosition among 8094 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 19-07-2026, 12 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
12 d early
2024
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€48,773▼ 592%
2024 · -€7,050
Net result
-€41,723▼ 85.0%
2024 · -€22,550
Total assets
€78,167▲ 11.0%
2024 · €70,452
Solvency
-62.4%▼ 52.4pp
2024 · -10.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result-€23,060--€41,120▼ 78.3%
Net result-€22,550below the sector's middle half--€41,723below the sector's middle half▼ 85.0%
Equity-€7,050below the sector's middle half--€48,773below the sector's middle half▼ 592%
Total assets€70,452below the sector's middle half-€78,167below the sector's middle half▲ 11.0%
Debt€77,502-€126,940▲ 63.8%
Working capital€17,897within the sector's middle half-€4,778within the sector's middle half▼ 73.3%
Solvency-10.0%below the sector's middle half--62.4%below the sector's middle half▼ 52.4pp
Current ratio1.62within the sector's middle half-1.11within the sector's middle half▼ 0.52
Return on assets (ROA)-32.0%below the sector's middle half--53.4%below the sector's middle half▼ 21.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41,120 in 2025 against €23,060 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78,167
Fixed assets
€28,337 ▲ 18.9%
Current assets
€49,829 ▲ 6.9%
Key figures and ratios
Debt ≤ 1 year
€45,051▲
2024 · €28,724
Debt > 1 year
€81,343▲
2024 · €48,778
Income taxes
€89
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,463 | €3,294 | ▲ 125% |
| Other operating charges640/8 | €1,598 | €1,965 | ▲ 22.9% |
| Gross operating margin9900 | -€19,998 | -€35,861 | ▼ 79.3% |
| Operating profit (loss)9901 | -€23,060 | -€41,120 | ▼ 78.3% |
| Financial income75/76B | €2,454 | €2,703 | ▲ 10.1% |
| Recurring financial income75 | €2,454 | €2,703 | ▲ 10.1% |
| Financial charges65/66B | €1,945 | €3,216 | ▲ 65.4% |
| Recurring financial charges65 | €1,945 | €3,216 | ▲ 65.4% |
| Profit (loss) for the period before taxes9903 | -€22,550 | -€41,634 | ▼ 84.6% |
| Income taxes67/77 | - | €89 | - |
| Profit (loss) for the period9904 | -€22,550 | -€41,723 | ▼ 85.0% |
| Profit (loss) for the period to be appropriated9905 | -€22,550 | -€41,723 | ▼ 85.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €70,452 | €78,167 | ▲ 11.0% |
| Fixed assets21/28 | €23,831 | €28,337 | ▲ 18.9% |
| Intangible fixed assets21 | €1,027 | €8,234 | ▲ 701% |
| Tangible fixed assets22/27 | €20,554 | €17,854 | ▼ 13.1% |
| Plant, machinery and equipment23 | €1,115 | €892 | ▼ 20.0% |
| Furniture and vehicles24 | €1,408 | €1,055 | ▼ 25.1% |
| Other tangible fixed assets26 | €18,032 | €15,907 | ▼ 11.8% |
| Financial fixed assets28 | €2,250 | €2,250 | = |
| Current assets29/58 | €46,620 | €49,829 | ▲ 6.9% |
| Stocks and contracts in progress3 | €4,363 | €6,633 | ▲ 52.0% |
| Stocks30/36 | €4,363 | €6,633 | ▲ 52.0% |
| Amounts receivable within one year40/41 | €42,191 | €38,063 | ▼ 9.8% |
| Trade receivables40 | €965 | €8,075 | ▲ 737% |
| Other amounts receivable41 | €41,226 | €29,988 | ▼ 27.3% |
| Cash at bank and in hand54/58 | - | €3,031 | - |
| Deferred charges and accrued income490/1 | €66 | €2,102 | ▲ 3,072% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €70,452 | €78,167 | ▲ 11.0% |
| Equity10/15 | -€7,050 | -€48,773 | ▼ 592% |
| Contributions10/11 | €15,500 | €15,500 | = |
| Profit (loss) carried forward14 | -€22,550 | -€64,273 | ▼ 185% |
| Amounts payable17/49 | €77,502 | €126,940 | ▲ 63.8% |
| Amounts payable after more than one year17 | €48,778 | €81,343 | ▲ 66.8% |
| Financial debts170/4 | €48,778 | €81,343 | ▲ 66.8% |
| Amounts payable within one year42/48 | €28,724 | €45,051 | ▲ 56.8% |
| Current portion of amounts payable after more than one year42 | €1,222 | €14,981 | ▲ 1,126% |
| Financial debts43 | €8,196 | €504 | ▼ 93.9% |
| Credit institutions430/8 | €8,196 | €504 | ▼ 93.9% |
| Trade debts44 | €5,262 | €22,068 | ▲ 319% |
| Suppliers440/4 | €5,262 | €22,068 | ▲ 319% |
| Advances received on contracts in progress46 | €10,470 | €3,197 | ▼ 69.5% |
| Taxes, remuneration and social security45 | €2,025 | €4,301 | ▲ 112% |
| Taxes450/3 | €2,025 | €4,301 | ▲ 112% |
| Other amounts payable47/48 | €1,549 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €545 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€22,550 | -€41,723 | ▼ 85.0% |
| + Depreciation and write-downs630 | €1,463 | €3,294 | ▲ 125% |
| Operating cash flow (approximation) | -€21,087 | -€38,429 | ▼ 82.2% |
| Investment in fixed assets (approximation) | - | -€7,800 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kortrijk · 1 establishment unit since 2023
Ground area
46 m²
Building footprint
46 m²
Volume, LiDAR
571 m³
Parcel 34353H1534/00A000, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LAUV
since 20232.353.058.068
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353H1534/00A000 | Flanders | 46 m² | 1 · 46 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
13921Manufacture of textiles
47519Retail trade
47715Retail trade
70200Business and other management consultancy
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74120Graphic design and visual communication
74130Interior design
74140Other specialised design activities
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1003311679
Also
9925:BE1003311679
Registered
25-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.