LB Concept
ActiveThe computed 12-month bankruptcy probability of LB Concept is 2.8% (moderate). The 2024 annual accounts show equity of €104k and a net result of €15k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 26043 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+4
Solvency78▼-19
Growth52=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.6 against 3.99 in 2023; short-term debt: 21.4% and cash: 13.2% of total assets), and 46.9% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-02-2026, 197 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
197 d late
2023
68 d late
2022
60 d late
2021
40 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€104k▲ 17.6%
2023 · €88k
2021: €61k
2022: €82k
2023: €88k
2021 → 2024
Total assets
€196k▲ 60.3%
2023 · €122k
2021: €73k
2022: €112k
2023: €122k
2021 → 2024
Net result
€15k▲ 157%
2023 · €6k
2021: €56k
2022: €22k
2023: €6k
2021 → 2024
Working capital
€25k▼ 56.3%
2023 · €58k
2021: €46k
2022: €42k
2023: €58k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€61k-€82k▲ 35.5%€88k▲ 7.3%€104k▲ 17.6%
Operating result€76k-€31k▼ 58.6%€5k▼ 83.7%€25k▲ 384%
Net result€56k-€22k▼ 61.3%€6k▼ 72.1%€15k▲ 157%
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 2024; 2024 is 384% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €196k
Fixed assets
€128k▲ 184%
Current assets
€67k▼ 12.7%
Equity and liabilities €196k
Equity
€104k▲ 17.6%
Provisions
€0▼ 100%
Debt
€92k▲ 377%
The debt ratio rises from 15.8% to 46.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2023 · €13k
Cash flow
€27k▲
2023 · €14k
Solvency
53.1%▼
2023 · 72.3%
Current ratio
1.60▼
2023 · 3.99
Quick ratio
1.10▼
2023 · 3.06
Debt / equity
0.88▲
2023 · 0.22
ROE
14.9%▲
2023 · 6.8%
ROA
7.9%▲
2023 · 4.9%
Interest coverage
7.32▼
2023 · 8.57
Debt
€92k▲
2023 · €19k
Debt ≤ 1 year
€42k▲
2023 · €19k
Debt > 1 year
€50k
Income taxes
€5k▲
2023 · €-2k
Staff costs
€42k▼
2023 · €43k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€122k€196k▲
Fixed assets21/28€45k€128k▲
Tangible fixed assets22/27€45k€128k▲
Land and buildings22-€72k
Plant, machinery and equipment23€3k€8k▲
Furniture and vehicles24€22k€18k▼
Other tangible fixed assets26€20k€30k▲
Current assets29/58€77k€67k▼
Stocks and contracts in progress3€18k€21k▲
Stocks30/36€18k€21k▲
Amounts receivable within one year40/41€14k€20k▲
Trade receivables40€7k€270▼
Other amounts receivable41€7k€19k▲
Cash at bank and in hand54/58€45k€26k▼
Deferred charges and accrued income490/1€89€382▲
Equity and liabilities
Total equity and liabilities10/49€122k€196k▲
Equity10/15€88k€104k▲
Contributions10/11€5k€5k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€62k€77k▲
Provisions and deferred taxes16€15k€0▼
Provisions for liabilities and charges160/5€15k€0▼
Other liabilities and charges164/5€15k€0▼
Amounts payable17/49€19k€92k▲
Amounts payable after more than one year17-€50k
Financial debts170/4-€50k
Amounts payable within one year42/48€19k€42k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€13k€19k▲
Suppliers440/4€13k€19k▲
Taxes, remuneration and social security45€6k€17k▲
Taxes450/3€2k€8k▲
Remuneration and social security454/9€3k€9k▲
Income statement
Code20232024
Remuneration, social security and pensions62€43k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€15k€-15k▼
Other operating charges640/8€634€810▲
Non-recurring operating charges66A€7€15k▲
Gross operating margin9900€71k€80k▲
Operating profit (loss)9901€5k€25k▲
Financial income75/76B€59€949▲
Recurring financial income75€59€949▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€4k€21k▲
Income taxes67/77€-2k€5k▲
Profit (loss) for the period9904€6k€15k▲
Profit (loss) for the period to be appropriated9905€6k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€77k▲
Profit (loss) brought forward from the previous period14P€56k€62k▲
Transfer to equity691/2€0-
To other reserves6921€0-
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
2026
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 197 days late
2024
31-12
Financial
Equity above €100kEq €104k ▲17.6%
4 profitable years in a row build equity to €104k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €6k ▼72.1%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
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, Ciney · 2 establishment units since 2020
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 Sylvain Meunier(Braibant) 335590 CineyGround area
644 m²
Building footprint
293 m²
3 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
Bonbon Chic
since 20202.307.303.465
Biscuits de Durbuy
since 20242.358.412.567
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91023B0026/00F000 | Wallonia | 389 m² | 1 · 100 m² | - |
| 83016B0915/00P002 | Wallonia | 179 m² | 1 · 120 m² | - |
| 83012A0043/00_000 | Wallonia | 76 m² | 1 · 73 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDurbuy2.307.303.465
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2020
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:laurent.bastin@iconcept.be
Phone:+32478643216
E-mail:info@biscuitsdedurbuy.be