LAUVA - IMMO
ActiveLAUVA - IMMO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €802k and a net result of €20k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▼-33
Solvency41▼-40
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.82 against 22.87 in 2024), and 71.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
28.3%
Return on assets
0.7%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
98 d early
2023
33 d early
2022
37 d early
2021
26 d early
2020
80 d early
2019
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€802k▲ 2.6%
2024 · €782k
2018: €101k
2019: €101k
2020: €234k
2021: €497k
2022: €623k
2023: €710k
2024: €782k
2018 → 2025
Total assets
€2.84M▲ 36.1%
2024 · €2.09M
2018: €1.63M
2019: €1.58M
2020: €1.62M
2021: €1.82M
2022: €1.93M
2023: €2.00M
2024: €2.09M
2018 → 2025
Net result
€20k▼ 71.8%
2024 · €72k
2018: €317
2019: €323
2020: €133k
2021: €263k
2022: €126k
2023: €87k
2024: €72k
2018 → 2025
Working capital
€-136k
2024 · €838k
2018: €-954k
2019: €-989k
2020: €-1.11M
2021: €647k
2022: €744k
2023: €722k
2024: €838k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€497k-€623k▲ 25.3%€710k▲ 13.9%€782k▲ 10.2%€802k▲ 2.6%
Operating result€367k-€184k▼ 50.0%€115k▼ 37.2%€75k▼ 34.9%€14k▼ 81.9%
Net result€263k-€126k▼ 52.2%€87k▼ 31.2%€72k▼ 16.3%€20k▼ 71.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 82% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.84M
Fixed assets
€2.21M▲ 82.4%
Current assets
€631k▼ 28.0%
Equity and liabilities €2.84M
Equity
€802k▲ 2.6%
Provisions
€40k▼ 4.7%
Debt
€2.00M▲ 58.1%
The debt ratio rises from 60.5% to 70.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€72k▼
2024 · €133k
Cash flow
€79k▼
2024 · €130k
Solvency
28.3%▼
2024 · 37.5%
Current ratio
0.82▼
2024 · 22.87
Quick ratio
0.82▼
2024 · 22.87
Debt / equity
2.49▲
2024 · 1.61
ROE
2.5%▼
2024 · 9.3%
ROA
0.7%▼
2024 · 3.5%
Interest coverage
13.63▼
2024 · 25.62
Debt
€2.00M▲
2024 · €1.26M
Debt ≤ 1 year
€767k▲
2024 · €38k
Debt > 1 year
€1.23M▲
2024 · €1.22M
Income taxes
€10k▼
2024 · €36k
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€2.09M€2.84M▲
Fixed assets21/28€1.21M€2.21M▲
Tangible fixed assets22/27€1.21M€2.21M▲
Land and buildings22€1.17M€2.18M▲
Furniture and vehicles24€39k€29k▼
Current assets29/58€877k€631k▼
Amounts receivable within one year40/41€586k€624k▲
Trade receivables40€30k€13k▼
Other amounts receivable41€556k€612k▲
Current investments50/53€255k-
Cash at bank and in hand54/58€33k€5k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.09M€2.84M▲
Equity10/15€782k€802k▲
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€683k€703k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€125k€119k▼
Distributable reserves133€548k€574k▲
Provisions and deferred taxes16€42k€40k▼
Deferred taxes168€42k€40k▼
Amounts payable17/49€1.26M€2.00M▲
Amounts payable after more than one year17€1.22M€1.23M▲
Financial debts170/4€1.22M€1.23M▲
Amounts payable within one year42/48€38k€767k▲
Trade debts44€10k€12k▲
Suppliers440/4€10k€12k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€25k€752k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€59k▲
Other operating charges640/8€10k€20k▲
Gross operating margin9900€143k€92k▼
Operating profit (loss)9901€75k€14k▼
Financial income75/76B€37k€20k▼
Recurring financial income75€37k€20k▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€107k€29k▼
Transfer from deferred taxes780€817€2k▲
Income taxes67/77€36k€10k▼
Profit (loss) for the period9904€72k€20k▼
Transfer from tax-exempt reserves789€2k€6k▲
Profit (loss) for the period to be appropriated9905€75k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€26k▼
Transfer to equity691/2€75k€26k▼
To other reserves6921€75k€26k▼
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €500kEq €623k ▲25.3%
5 profitable years in a row build equity to €623k.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €263k ▲98%
Operating result €367k, net result €263k, both a record.
30-09
Financial
Liquidity times 143current ratio 10.50
Current ratio from 0.07 to 10.50; short-term debt falls from €1.20M to €68k.
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €200kEq €234k ▲131%
3 profitable years in a row build equity to €234k.
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ieper · 1 establishment unit since 1998
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.
Veurnseweg 1448906 IeperGround area
1.0 ha
Building footprint
358 m²
Volume, LiDAR
1,849 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Veurnseweg 144, 8900 Ieper
since 19982.085.634.513
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33304A0208/00H000 | Flanders | 9,293 m² | 1 · 243 m² | 8.0 m · 1 fl. |
| 33007A0236/00R003 | Flanders | 807 m² | 1 · 114 m² | 11.2 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.
Similar companies · same sector, comparable size
ANLIMCO
BE 0870.422.570
Heist-op-den-Berg · Eq €803k
MICHAUX.M
BE 0477.250.292
Fernelmont · Eq €802k
DE BOCK INVEST
BE 0830.840.236
Beveren-Kruibeke-Zwijndrecht · Eq €803k
BAILLI MANAGEMENT
BE 0474.834.301
Elsene · Eq €803k
SOMABRI
BE 0467.268.794
Watermaal-Bosvoorde · Eq €804k
Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 4,916 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-02-1998
Fiscal year end30-09
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.