LAVENS
ActiveLAVENS has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €3k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 62% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-2
Solvency83▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.43 in 2024; short-term debt: 30.8% and cash: 0.5% of total assets), and 41.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
58.1%
Return on assets
0.5%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
25 d late
2023
6 d early
2022
29 d late
2021
16 d late
2020
5 d early
2019
36 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€350k▲ 0.9%
2024 · €347k
2018: €300k
2019: €257k
2020: €257k
2021: €363k
2022: €369k
2023: €337k
2024: €347k
2018 → 2025
Total assets
€603k▼ 6.9%
2024 · €648k
2018: €578k
2019: €548k
2020: €537k
2021: €700k
2022: €633k
2023: €606k
2024: €648k
2018 → 2025
Net result
€3k▼ 70.1%
2024 · €10k
2018: €3k
2019: €-43k
2020: €667
2021: €151k
2022: €6k
2023: €22k
2024: €10k
2018 → 2025
Working capital
€139k▲ 71.9%
2024 · €81k
2018: €58k
2019: €5k
2020: €16k
2021: €243k
2022: €144k
2023: €187k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€363k-€369k▲ 1.5%€337k▼ 8.6%€347k▲ 3.0%€350k▲ 0.9%
Operating result€219k-€12k▼ 94.5%€42k▲ 251%€23k▼ 46.4%€25k▲ 11.7%
Net result€151k-€6k▼ 96.3%€22k▲ 304%€10k▼ 54.8%€3k▼ 70.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €603k
Fixed assets
€278k▼ 26.5%
Current assets
€325k▲ 20.7%
Equity and liabilities €603k
Equity
€350k▲ 0.9%
Debt
€253k▼ 16.0%
The debt ratio falls from 46.4% to 41.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€129k▲
2024 · €95k
Cash flow
€107k▲
2024 · €83k
Solvency
58.1%▲
2024 · 53.6%
Current ratio
1.75▲
2024 · 1.43
Quick ratio
1.49▲
2024 · 1.10
Debt / equity
0.72▼
2024 · 0.87
ROE
0.9%▼
2024 · 2.9%
ROA
0.5%▼
2024 · 1.6%
Interest coverage
21.63▼
2024 · 23.66
Debt
€253k▼
2024 · €301k
Debt ≤ 1 year
€186k▼
2024 · €188k
Debt > 1 year
€65k▼
2024 · €112k
Income taxes
€17k▲
2024 · €9k
Staff costs
€37k▲
2024 · €35k
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€648k€603k▼
Fixed assets21/28€379k€278k▼
Tangible fixed assets22/27€373k€278k▼
Land and buildings22€8k€11k▲
Plant, machinery and equipment23€71k€55k▼
Furniture and vehicles24€294k€211k▼
Financial fixed assets28€6k€712▼
Current assets29/58€269k€325k▲
Stocks and contracts in progress3€62k€47k▼
Stocks30/36€62k€47k▼
Amounts receivable within one year40/41€131k€269k▲
Trade receivables40€91k€236k▲
Other amounts receivable41€40k€33k▼
Cash at bank and in hand54/58€51k€3k▼
Deferred charges and accrued income490/1€25k€5k▼
Equity and liabilities
Total equity and liabilities10/49€648k€603k▼
Equity10/15€347k€350k▲
Contributions10/11€19k€19k=
Reserves13€329k€332k▲
Distributable reserves133€329k€332k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€301k€253k▼
Amounts payable after more than one year17€112k€65k▼
Financial debts170/4€112k€65k▼
Amounts payable within one year42/48€188k€186k▼
Current portion of amounts payable after more than one year42€61k€47k▼
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€117k€99k▼
Suppliers440/4€117k€99k▼
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€791€7k▲
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€4k€21k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€28k€0▼
Remuneration, social security and pensions62€35k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€104k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-742€0▲
Other operating charges640/8€8k€17k▲
Gross operating margin9900€138k€182k▲
Operating profit (loss)9901€23k€25k▲
Financial income75/76B€431€664▲
Recurring financial income75€431€664▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€19k€20k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€10k€3k▼
Profit (loss) for the period to be appropriated9905€10k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€3k▼
Transfer from equity791/2€0-
Transfer to equity691/2€10k€3k▼
To other reserves6921€10k€3k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (14 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Highest result since 2018net €151k ▲22532%
Operating result €219k, net result €151k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €667
Net result €667 after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-43k ▼1397%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Wervik · 1 establishment unit since 1994
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.
Kruisekestraat 3918940 WervikGround area
4,559 m²
Building footprint
469 m²
Volume, LiDAR
2,684 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAVENS BVBA
since 19942.066.468.501
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029D0015/00F005 | Flanders | 3,428 m² | 1 · 369 m² | 7.6 m · 2 fl. |
| 33029E0136/00Y002 | Flanders | 1,131 m² | 1 · 100 m² | 7.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 114 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 114 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
4 categoriesLAVENS BV28700
Similar companies · same sector, comparable size
INTERIEUR VANDEN BUVERIE
BE 0690.872.404
Dentergem · Eq €350k
VAN DE WALLE DUPON
BE 0432.603.073
Tielt · Eq €350k
Abeele Projects
BE 0819.141.145
Houthulst · Eq €351k
MD CONCEPT HOME
BE 0877.852.671
Namur · Eq €351k
MENUISERIE DAMS
BE 0507.694.238
Thimister-Clermont · Eq €351k
Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 6,631 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-1994
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.