LBDB
ActiveLBDB has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €333k and a net result of €85k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 38% of 907 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
61
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency29▲+15
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.32 in 2024), and 73.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 77
Relative position
BE, all sectors
reference
Sector 77
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
26.6%
Return on assets
6.8%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €333k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
9 d early
2023
2 d early
2022
5 d early
2021
1 d early
2020
31 d early
2019
30 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€333k▲ 34.2%
2024 · €248k
2018: €322k
2019: €396k
2020: €468k
2021: €860k
2022: €914k
2023: €182k
2024: €248k
2018 → 2025
Total assets
€1.25M▲ 1.9%
2024 · €1.23M
2018: €632k
2019: €589k
2020: €598k
2021: €1.37M
2022: €1.27M
2023: €1.23M
2024: €1.23M
2018 → 2025
Net result
€85k▲ 28.6%
2024 · €66k
2018: €15k
2019: €37k
2020: €73k
2021: €683k
2022: €54k
2023: €68k
2024: €66k
2018 → 2025
Working capital
€-145k▼ 10.1%
2024 · €-132k
2018: €-82k
2019: €-83k
2020: €-41k
2021: €-101k
2022: €-22k
2023: €-106k
2024: €-132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€860k-€914k▲ 6.3%€182k▼ 80.1%€248k▲ 36.2%€333k▲ 34.2%
Operating result€704k-€83k▼ 88.3%€118k▲ 42.6%€115k▼ 2.2%€137k▲ 19.0%
Net result€683k-€54k▼ 92.0%€68k▲ 25.2%€66k▼ 3.2%€85k▲ 28.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€1.15M▼ 1.5%
Current assets
€103k▲ 64.5%
Equity and liabilities €1.25M
Equity
€333k▲ 34.2%
Debt
€919k▼ 6.3%
The debt ratio falls from 79.8% to 73.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€155k▲
2024 · €133k
Cash flow
€102k▲
2024 · €83k
Solvency
26.6%▲
2024 · 20.2%
Current ratio
0.41▲
2024 · 0.32
Quick ratio
0.41▲
2024 · 0.32
Debt / equity
2.76▼
2024 · 3.95
ROE
25.5%▼
2024 · 26.6%
ROA
6.8%▲
2024 · 5.4%
Interest coverage
6.42▲
2024 · 5.27
Debt
€919k▼
2024 · €981k
Debt ≤ 1 year
€248k▲
2024 · €194k
Debt > 1 year
€664k▼
2024 · €775k
Income taxes
€29k▲
2024 · €25k
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€1.23M€1.25M▲
Fixed assets21/28€1.17M€1.15M▼
Tangible fixed assets22/27€362k€345k▼
Land and buildings22€362k€345k▼
Financial fixed assets28€804k€804k=
Current assets29/58€62k€103k▲
Amounts receivable within one year40/41€46k€71k▲
Trade receivables40€37k-
Other amounts receivable41€10k€71k▲
Cash at bank and in hand54/58€16k€32k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.25M▲
Equity10/15€248k€333k▲
Contributions10/11€37k€37k=
Capital10€37k€37k=
Issued capital100€37k€37k=
Reserves13€211k€295k▲
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Distributable reserves133€207k€292k▲
Amounts payable17/49€981k€919k▼
Amounts payable after more than one year17€775k€664k▼
Financial debts170/4€775k€664k▼
Amounts payable within one year42/48€194k€248k▲
Current portion of amounts payable after more than one year42€109k€112k▲
Trade debts44€57k€841▼
Suppliers440/4€57k€841▼
Taxes, remuneration and social security45€28k€36k▲
Taxes450/3€28k€36k▲
Other amounts payable47/48-€100k
Accrued charges and deferred income492/3€11k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€6k€7k▲
Gross operating margin9900€139k€161k▲
Operating profit (loss)9901€115k€137k▲
Financial income75/76B€337€798▲
Recurring financial income75€337€798▲
Financial charges65/66B€25k€24k▼
Recurring financial charges65€25k€24k▼
Profit (loss) for the period before taxes9903€91k€114k▲
Income taxes67/77€25k€29k▲
Profit (loss) for the period9904€66k€85k▲
Profit (loss) for the period to be appropriated9905€66k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€85k▲
Transfer to equity691/2€66k€85k▲
To other reserves6921€66k€85k▲
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €248k ▲36.2%
7 profitable years in a row build equity to €248k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €683k ▲838%
Operating result €704k, net result €683k, both a record.
31-12
Financial
Equity above €500kEq €860k ▲83.6%
4 profitable years in a row build equity to €860k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
20-07
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
2 directors, no change since 2025
Patty Peeters
CurrentDirector · since 01-04-2025
01-04-2025
Patty Peeters: Appointed as Director
01-04-2025
Baudouin De Booseré: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2002
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.
Kioskplaats 932660 AntwerpenGround area
228 m²
Building footprint
204 m²
Volume, LiDAR
3,241 m³
Parcel 11382C0066/00T008, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BACK
since 20022.095.850.096
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382C0066/00T008 | Flanders | 228 m² | 1 · 204 m² | 18.8 m · 5 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.
Similar companies · same sector, comparable size
DANVEX
BE 0645.689.606
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Etablissements DELVAUX
BE 0439.153.642
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QADIR
BE 0845.851.480
Beringen · Eq €337k
O.P.TECHNICS
BE 0568.463.550
Jette · Eq €338k
SINGAPORE
BE 0845.998.168
Boechout · Eq €327k
Of 1,435 companies in sector 77110 we hold annual accounts for 724. 449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2002
Fiscal year end31-12
Activities, NACEBEL
50101
77110Renting and leasing of cars and light motor vehicles
68121Development of residential building projects
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
46180Agents specialised in the wholesale of other particular products
50102
68203Renting and operating of own or leased non-residential real estate, excluding land
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.