LAVATERA
ActiveLAVATERA 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 €339k and a net result of €127k. Equity is growing by ~62.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 2410 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 17-12-2025, 134 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
134 d early
2024
137 d early
2023
143 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, micro schema
Equity
€339k▲ 60.0%
2024 · €212k
2023: €73k
2024: €212k
2023 → 2025
Net result
€127k▼ 8.7%
2024 · €139k
2023: €73k
2024: €139k
2023 → 2025
Total assets
€348k▲ 55.8%
2024 · €223k
2023: €76k
2024: €223k
2023 → 2025
Solvency
97.6%▲ 2.6pp
2024 · 95.0%
2023: 96.1%
2024: 95.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€73k-€212k▲ 192%€339k▲ 60.0%
Operating result€91k-€179k▲ 96.8%€159k▼ 11.1%
Net result€73k-€139k▲ 91.9%€127k▼ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €348k
Fixed assets
€2k▼ 62.0%
Current assets
€346k▲ 58.2%
Equity and liabilities €348k
Equity
€339k▲ 60.0%
Debt
€8k▼ 25.0%
The debt ratio falls from 5.0% to 2.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
97.6%▲
2024 · 95.0%
ROE
37.5%▼
2024 · 65.7%
ROA
36.6%▼
2024 · 62.5%
Debt
€8k▼
2024 · €11k
Debt ≤ 1 year
€8k▼
2024 · €11k
Income taxes
€37k▼
2024 · €41k
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€223k€348k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€219k€346k▲
Amounts receivable within one year40/41€26k€26k▲
Trade receivables40€26k€25k▼
Other amounts receivable41-€421
Cash at bank and in hand54/58€193k€320k▲
Equity and liabilities
Total equity and liabilities10/49€223k€348k▲
Equity10/15€212k€339k▲
Profit (loss) carried forward14€212k€339k▲
Amounts payable17/49€11k€8k▼
Amounts payable within one year42/48€11k€8k▼
Trade debts44€3k€38▼
Suppliers440/4€3k€38▼
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€547€500▼
Gross operating margin9900€183k€163k▼
Operating profit (loss)9901€179k€159k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€35€290▲
Recurring financial charges65€35€290▲
Profit (loss) for the period before taxes9903€181k€164k▼
Income taxes67/77€41k€37k▼
Profit (loss) for the period9904€139k€127k▼
Profit (loss) for the period to be appropriated9905€139k€127k▼
Appropriation of the result
Profit (loss) to be appropriated9906€212k€339k▲
Profit (loss) brought forward from the previous period14P€73k€212k▲
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
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Liquidity doublescurrent ratio 41.33
Current ratio from 19.61 to 41.33; short-term debt falls from €11k to €8k.
2024
14-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Highest result since 2023net €139k ▲91.9%
Operating result €179k, net result €139k, both a record.
30-09
Financial
Equity above €200kEq €212k ▲192%
2 profitable years in a row build equity to €212k.
2023
09-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Nazareth-De Pinte · 1 establishment unit since 2023
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.
Het Wijngaardeke 419840 Nazareth-De PinteGround area
845 m²
Building footprint
195 m²
Volume, LiDAR
1,132 m³
Parcel 44079A0474/00M000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAVATERA
since 20232.344.078.739
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44079A0474/00M000 | Flanders | 845 m² | 1 · 195 m² | 8.3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 227 EUR awarded · 227 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 227 EUR | 227 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9845006F12EDC939BD30
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Of 1,505 companies in sector 66199 we hold annual accounts for 912. 624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2023
Fiscal year end30-09
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.