LAVOIR PRO

Active

Private limited companyfounded 20169 yrs activeRue de Ligny(G-R) 4, 7530 Tournai, BelgiumKBO/BCE: BE 0668.367.909

The computed 12-month bankruptcy probability of LAVOIR PRO is 1.6% (moderate). The 2025 annual accounts show equity of €41k and a net result of €6k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 4577 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

56 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability73▲+1

Solvency48▼-6

Growth52=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.51 against 0.68 in 2024; short-term debt: 42.6% and cash: 15.6% of total assets), and 77% of the assets are financed with debt.

How do we compute the score and the probability?

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

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

23%

Return on assets

3.4%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 9 filings

Deviation from the deadline

2025

31 d late

2024

58 d early

2023

27 d late

2022

30 d late

2021

23 d late

2020

4 d early

2019

21 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€41k▼ 27.0%

2024 · €56k

2018: €9k 2019: €13k 2020: €598 2021: €21k 2022: €42k 2023: €51k 2024: €56k

2018 → 2025

Total assets

€178k▼ 9.1%

2024 · €196k

2018: €181k 2019: €140k 2020: €136k 2021: €122k 2022: €212k 2023: €211k 2024: €196k

2018 → 2025

Net result

€6k▲ 10.6%

2024 · €5k

2018: €8k 2019: €4k 2020: €-13k 2021: €20k 2022: €21k 2023: €9k 2024: €5k

2018 → 2025

Working capital

€-37k▼ 103%

2024 · €-18k

2018: €-81k 2019: €-46k 2020: €-28k 2021: €6k 2022: €100k 2023: €37k 2024: €-18k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€21k-€42k▲ 101%€51k▲ 20.2%€56k▲ 10.7%€41k▼ 27.0%

Operating result€24k-€35k▲ 47.3%€18k▼ 49.6%€11k▼ 38.9%€14k▲ 25.7%

Net result€20k-€21k▲ 4.0%€9k▼ 59.7%€5k▼ 36.5%€6k▲ 10.6%

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 26% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €178k

78.5%

21.5%

Fixed assets €140k▼ 11.3%

Current assets €38k=

Equity and liabilities €178k

23.0%

77.0%

Equity €41k▼ 27.0%

Debt €137k▼ 1.8%

The debt ratio rises from 71.3% to 77.0%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€35k▲

2024 · €33k

Cash flow

€28k▲

2024 · €28k

Solvency

23.0%▼

2024 · 28.7%

Current ratio

0.51▼

2024 · 0.68

Quick ratio

0.49▼

2024 · 0.65

Debt / equity

3.34▲

2024 · 2.48

ROE

14.6%▲

2024 · 9.7%

ROA

3.4%▲

2024 · 2.8%

Interest coverage

7.83▲

2024 · 6.30

Debt

€137k▼

2024 · €140k

Debt ≤ 1 year

€76k▲

2024 · €57k

Debt > 1 year

€61k▼

2024 · €83k

Income taxes

€3k▲

2024 · €2k

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€196k€178k▼

Fixed assets21/28€157k€140k▼

Intangible fixed assets21€252€52▼

Tangible fixed assets22/27€82k€65k▼

Land and buildings22€74k€61k▼

Plant, machinery and equipment23€7k€3k▼

Furniture and vehicles24€1k€516▼

Financial fixed assets28€75k€75k=

Current assets29/58€38k€38k=

Stocks and contracts in progress3€1k€1k▼

Stocks30/36€1k€1k▼

Amounts receivable within one year40/41€5k€5k▼

Trade receivables40€1k-

Other amounts receivable41€4k€5k▲

Cash at bank and in hand54/58€28k€28k▼

Deferred charges and accrued income490/1€4k€5k▲

Equity and liabilities

Total equity and liabilities10/49€196k€178k▼

Equity10/15€56k€41k▼

Contributions10/11€6k€6k=

Reserves13€35k€20k▼

Distributable reserves133€35k€20k▼

Profit (loss) carried forward14€15k€15k▲

Amounts payable17/49€140k€137k▼

Amounts payable after more than one year17€83k€61k▼

Financial debts170/4€83k€61k▼

Amounts payable within one year42/48€57k€76k▲

Current portion of amounts payable after more than one year42€21k€22k▲

Trade debts44€3k€10k▲

Suppliers440/4€3k€10k▲

Advances received on contracts in progress46-€226

Taxes, remuneration and social security45€24k€17k▼

Taxes450/3€24k€17k▼

Other amounts payable47/48€9k€27k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼

Other operating charges640/8€6k€829▼

Gross operating margin9900€39k€36k▼

Operating profit (loss)9901€11k€14k▲

Financial income75/76B€2k€9▼

Recurring financial income75€2k€9▼

Financial charges65/66B€5k€4k▼

Recurring financial charges65€5k€4k▼

Profit (loss) for the period before taxes9903€8k€9k▲

Income taxes67/77€2k€3k▲

Profit (loss) for the period9904€5k€6k▲

Profit (loss) for the period to be appropriated9905€5k€6k▲

Appropriation of the result

Profit (loss) to be appropriated9906€20k€21k▲

Profit (loss) brought forward from the previous period14P€15k€15k▲

Transfer from equity791/2-€21k

Transfer to equity691/2€5k€6k▲

To other reserves6921€5k€6k▲

Profit to be distributed694/7-€21k

Return on contributions (dividend)694-€21k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 5Filings 9

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

03-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

2023

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

2022

31-12

Financial Highest result since 2018net €21k ▲4%

Operating result €35k, net result €21k, both a record.

31-12

Financial Liquidity triplescurrent ratio 3.18

Current ratio from 1.18 to 3.18.

23-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 23 days late

2021

31-12

Financial Back to profitnet €20k

Net result €20k after one loss-making year.

31-12

Financial Liquidity doublescurrent ratio 1.18

Current ratio from 0.47 to 1.18; short-term debt falls from €54k to €32k.

27-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Weakest financial yearnet €-13k ▼415%

Net result drops to €-13k, the lowest in the series; recovery starts the following year.

21-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 21 days late

2019

19-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2023

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

01-07-2023 DELANGRE Amélie: Resigned as Director

01-07-2023 DIEZ Esteban: Resigned as Director

Location & real-estate footprint

Registered office, Tournai · 6 establishment units since 2017

establishment approximate All 6 establishment units on the map

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.

Rue de Ligny(G-R) 47530 Tournai

Ground area

2,576 m²

Building footprint

922 m²

Volume, LiDAR

7,140 m³

6 parcels, Wallonia · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.

6 establishment units

Grand'rue 3, 7640 Antoing

Personal service activities

since 20172.263.729.481

Boulevard Eisenhower(TOU) 4, 7500 Tournai

Personal service activities

since 20172.263.729.976

Chaussée de Lille(TOU) 48, 7500 Tournai

Personal service activities

since 20172.263.729.580

LAVOIR PRO

Rue Morel(TOU) 2, 7500 TournaiPersonal service activities

since 20172.354.055.287

LAVOIR PRO

Rue des Croisiers(TOU) 52, 7500 TournaiPersonal service activities

since 20212.354.055.386

LAVOIR PRO

Rue de Ligny(G-R) 4, 7530 TournaiAgents in non-specialised wholesale trade

since 20242.361.719.277

6 parcels

Wallonia 6 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57033A0077/00G000	Wallonia	1,148 m²	1 · 273 m²	7.2 m · 2 fl.
57463K0284/00H005	Wallonia	838 m²	1 · 330 m²	12.3 m · 2 fl.
57003A0523/00D000	Wallonia	219 m²	1 · 130 m²	12.3 m · 3 fl.
57462A0146/00K006indicative	Wallonia	154 m²	1 · 50 m²	11.8 m · 3 fl.
57462C0531/00D000	Wallonia	121 m²	1 · 56 m²	11.4 m · 3 fl.
57462D0573/00T000	Wallonia	97 m²	1 · 84 m²	12.4 m · 3 fl.