LAVOIR STEFFENS
ActiveSummary
LAVOIR STEFFENS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €7k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-20
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.76 against 1.55 in 2024; short-term debt: 10.6% and cash: 39.6% of total assets), and 10.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
89.4%
Return on assets
8.6%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
2023
13 d early
2022
14 d early
2021
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 10.7%
2024 · €69k
2021: €24k
2022: €63k
2023: €29k
2024: €69k
2021 → 2025
Total assets
€85k▼ 6.8%
2024 · €92k
2021: €59k
2022: €77k
2023: €132k
2024: €92k
2021 → 2025
Net result
€7k▼ 81.6%
2024 · €40k
2021: €19k
2022: €38k
2023: €41k
2024: €40k
2021 → 2025
Working capital
€34k▲ 191%
2024 · €12k
2021: €-264
2022: €35k
2023: €4k
2024: €12k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€63k▲ 155%€29k▼ 53.6%€69k▲ 138%€76k▲ 10.7%
Operating result€24k-€48k▲ 98.6%€53k▲ 10.7%€51k▼ 4.3%€12k▼ 77.0%
Net result€19k-€38k▲ 95.4%€41k▲ 8.9%€40k▼ 3.4%€7k▼ 81.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 77% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€43k ▼ 27.8%
Current assets
€43k ▲ 30.9%
Equity and liabilities €85k
Equity
€76k ▲ 10.7%
Debt
€9k ▼ 60.1%
Debt's share of the balance-sheet total falls from 24.7% to 10.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €65k
Cash flow
€24k▼
2024 · €54k
Current ratio
4.76▲
2024 · 1.55
Quick ratio
4.14▲
2024 · 1.23
Debt to equity
0.12▼
2024 · 0.33
ROE
9.6%▼
2024 · 58.0%
ROA
8.6%▼
2024 · 43.7%
Interest coverage
14.97▼
2024 · 57.44
Debt ≤ 1 year
€9k▼
2024 · €21k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€3k▼
2024 · €10k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€92k€85k▼
Fixed assets21/28€59k€43k▼
Tangible fixed assets22/27€59k€43k▼
Plant, machinery and equipment23€47k€33k▼
Other tangible fixed assets26€12k€10k▼
Current assets29/58€33k€43k▲
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€474€4k▲
Other amounts receivable41€474€4k▲
Cash at bank and in hand54/58€26k€34k▲
Equity and liabilities
Total equity and liabilities10/49€92k€85k▼
Equity10/15€69k€76k▲
Contributions10/11€5k€5k=
Reserves13€20k€25k▲
Distributable reserves133€20k€25k▲
Profit (loss) carried forward14€44k€46k▲
Amounts payable17/49€23k€9k▼
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€21k€9k▼
Current portion of amounts payable after more than one year42€6k€1k▼
Trade debts44€5k€369▼
Suppliers440/4€5k€369▼
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€4k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€126€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€406€460▲
Gross operating margin9900€65k€29k▼
Operating profit (loss)9901€51k€12k▼
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€50k€10k▼
Income taxes67/77€10k€3k▼
Profit (loss) for the period9904€40k€7k▼
Profit (loss) for the period to be appropriated9905€40k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€51k▲
Profit (loss) brought forward from the previous period14P€9k€44k▲
Transfer to equity691/2€5k€5k=
To other reserves6921€5k€5k=
The notes to these accounts (10 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼81.6%
Net result drops to €7k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 4.76
Current ratio from 1.55 to 4.76; short-term debt falls from €21k to €9k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €41k ▲8.9%
Operating result €53k, net result €41k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 3.44
Current ratio from 0.99 to 3.44; short-term debt falls from €35k to €14k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Malmedy · 1 establishment unit since 2021
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 Outrelepont 504960 MalmedyGround area
883 m²
Building footprint
150 m²
Volume, LiDAR
1,512 m³
2 parcels, Wallonia · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LAVOIR STEFFENS
since 20212.320.687.089
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63049G0098/00D000 | Wallonia | 735 m² | 1 · 63 m² | 10.5 m · 2 fl. |
| 63049C0429/00L000 | Wallonia | 147 m² | 1 · 87 m² | 15.0 m · 4 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.
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Of 1,000 companies in sector 96102 we hold annual accounts for 459. 358 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
Founded25-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
43222Installation of electric heating, air conditioning, cooling and ventilation
47783Retail trade
82990Other business support services
96101Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.