Summary
LAVALINA 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 €172k and a net result of €138k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 8023 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 · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-12-2025, 53 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
53 d early
2024
199 d early
2023
49 d early
2022
40 d early
2021
40 d early
2020
16 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 405%
2024 · €34k
2019: €21k
2020: €24k
2021: €23k
2022: €23k
2023: €34k
2024: €34k
2019 → 2025
Net result
€138k▲ 35.8%
2024 · €101k
2019: €8k
2020: €4k
2021: €-7k
2022: €124
2023: €11k
2024: €101k
2019 → 2025
Total assets
€223k▲ 33.7%
2024 · €167k
2019: €24k
2020: €32k
2021: €30k
2022: €25k
2023: €42k
2024: €167k
2019 → 2025
Solvency
76.9%▲ 56.5pp
2024 · 20.4%
2019: 86.2%
2020: 76.9%
2021: 77.3%
2022: 93.8%
2023: 80.9%
2024: 20.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€23k▲ 0.5%€34k▲ 46.4%€34k=€172k▲ 405%
Operating result€-7k-€269€16k▲ 5,834%€131k▲ 720%€180k▲ 37.3%
Net result€-7k-€124€11k▲ 8,618%€101k▲ 841%€138k▲ 35.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€5k ▼ 27.5%
Current assets
€219k ▲ 36.3%
Equity and liabilities €223k
Equity
€172k ▲ 405%
Debt
€52k ▼ 61.2%
Debt's share of the balance-sheet total falls from 79.6% to 23.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
80.2%▼
2024 · 298.1%
ROA
61.7%▲
2024 · 60.7%
Debt ≤ 1 year
€52k▼
2024 · €133k
Income taxes
€40k▲
2024 · €28k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€167k€223k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Land and buildings22€4k€4k▼
Furniture and vehicles24€2k€949▼
Current assets29/58€160k€219k▲
Amounts receivable within one year40/41€81€2k▲
Other amounts receivable41€81€2k▲
Cash at bank and in hand54/58€148k€217k▲
Deferred charges and accrued income490/1€12k€15▼
Equity and liabilities
Total equity and liabilities10/49€167k€223k▲
Equity10/15€34k€172k▲
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€-2k€136k▲
Amounts payable17/49€133k€52k▼
Amounts payable within one year42/48€133k€52k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€22k€37k▲
Taxes450/3€22k€34k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€109k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€799€435▼
Gross operating margin9900€133k€182k▲
Operating profit (loss)9901€131k€180k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€129k€178k▲
Income taxes67/77€28k€40k▲
Profit (loss) for the period9904€101k€138k▲
Profit (loss) for the period to be appropriated9905€101k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€136k▲
Profit (loss) brought forward from the previous period14P€-2k€-2k=
Profit to be distributed694/7€101k-
Return on contributions (dividend)694€101k-
The notes to these accounts (4 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
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €138k ▲35.8%
Operating result €180k, net result €138k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 4.24
Current ratio from 1.21 to 4.24; short-term debt falls from €133k to €52k.
30-06
Financial
Equity above €150kEq €172k ▲405%
4 profitable years in a row build equity to €172k.
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €124
Net result €124 after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 12.39
Current ratio from 3.55 to 12.39; short-term debt falls from €7k to €2k.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-7k ▼297%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anzegem · 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.
Blommestraat 148570 AnzegemGround area
524 m²
Building footprint
131 m²
Parcel 34018C0847/00V000, Flanders. Linked by address, not a title deed.
1 establishment unit
LAVALINA
since 20182.274.890.223
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34018C0847/00V000 | Flanders | 524 m² | 1 · 131 m² | 0.0 m |
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
LUNAFIN
BE 0651.896.814
Brugge · Eq €171,871
ABC BON BINI
BE 0892.824.325
Anzegem · Eq €171,866
SPADA Management
BE 0793.448.716
Brasschaat · Eq €171,898
ANDREA XIANG
BE 0694.995.201
Gent · Eq €171,840
VANSTEELAND INVEST
BE 0638.918.610
Izegem · Eq €171,905
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,423 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
Founded28-03-2018
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.