LBF Consult
ActiveThe computed 12-month bankruptcy probability of LBF Consult is 1.6% (moderate). The 2025 annual accounts show equity of €148k and a net result of €45k. Its solvency ranks better than 67% of 17964 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+3
Growth52
Stability82
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity ample (current ratio 3.52 against 3.52 in 2024), and 46.3% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 →
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
53.7%
Return on assets
16.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
on the day
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€148k▲ 44.6%
2024 · €102k
2024: €102k
2024 → 2025
Total assets
€275k▲ 31.3%
2024 · €209k
2024: €209k
2024 → 2025
Net result
€45k▼ 44.5%
2024 · €82k
2024: €82k
2024 → 2025
Working capital
€192k▲ 33.7%
2024 · €144k
2024: €144k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€102k-€148k▲ 44.6%
Operating result€108k-€59k▼ 45.6%
Net result€82k-€45k▼ 44.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€6k▼ 27.2%
Current assets
€268k▲ 33.8%
Equity and liabilities €275k
Equity
€148k▲ 44.6%
Debt
€127k▲ 18.6%
The debt ratio falls from 51.2% to 46.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€61k▼
2024 · €111k
Cash flow
€48k▼
2024 · €85k
Solvency
53.7%▲
2024 · 48.8%
Current ratio
3.52▼
2024 · 3.52
Quick ratio
2.00▲
2024 · 1.50
Debt / equity
0.86▼
2024 · 1.05
ROE
30.8%▼
2024 · 80.4%
ROA
16.6%▼
2024 · 39.2%
Interest coverage
410.41▼
2024 · 594.83
Debt
€127k▲
2024 · €107k
Debt ≤ 1 year
€76k▲
2024 · €57k
Debt > 1 year
€50k=
2024 · €50k
Income taxes
€15k▼
2024 · €27k
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€209k€275k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€357€141▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€60€60=
Current assets29/58€201k€268k▲
Stocks and contracts in progress3€115k€116k▲
Stocks30/36€115k€116k▲
Amounts receivable within one year40/41€9k€3k▼
Trade receivables40€9k€3k▼
Cash at bank and in hand54/58€74k€150k▲
Deferred charges and accrued income490/1€2k€282▼
Equity and liabilities
Total equity and liabilities10/49€209k€275k▲
Equity10/15€102k€148k▲
Contributions10/11€20k€20k=
Reserves13€82k€128k▲
Distributable reserves133€82k€128k▲
Amounts payable17/49€107k€127k▲
Amounts payable after more than one year17€50k€50k=
Financial debts170/4€50k€50k=
Amounts payable within one year42/48€57k€76k▲
Trade debts44€11k€11k▼
Suppliers440/4€11k€11k▼
Taxes, remuneration and social security45€42k€62k▲
Taxes450/3€42k€62k▲
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€225€841▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€112k€62k▼
Operating profit (loss)9901€108k€59k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€186€149▼
Recurring financial charges65€186€149▼
Profit (loss) for the period before taxes9903€109k€61k▼
Income taxes67/77€27k€15k▼
Profit (loss) for the period9904€82k€45k▼
Profit (loss) for the period to be appropriated9905€82k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€45k▼
Transfer to equity691/2€82k€45k▼
To other reserves6921€82k€45k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Haaltert · 1 establishment unit since 2023
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.
Windmolenstraat(HA) 1049450 HaaltertGround area
1,945 m²
Building footprint
195 m²
Volume, LiDAR
916 m³
Parcel 41024A1395/00H000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SKI CENTER
since 20232.351.807.956
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024A1395/00H000 | Flanders | 1,945 m² | 1 · 195 m² | 8.0 m · 2 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
THE BIG BLUE
BE 0898.341.150
Berlare · Eq €148k
LVL GROUP
BE 0723.895.558
Florenville · Eq €148k
CAMPER-DIËM
BE 0833.399.947
Hasselt · Eq €148k
FASTsports
BE 0440.398.608
Nivelles · Eq €145k
HANS LEMMENS GOLF BELGIE
BE 0433.690.760
Kapellen · Eq €150k
Of 1,306 companies in sector 47639 we hold annual accounts for 618. 503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2023
Fiscal year end31-12
Activities, NACEBEL
47639Retail sale of other sporting goods
47640Retail trade
15200Manufacture of leather and related products
77210Renting and leasing of sports and recreation goods
82990Other business support services
86905Human health activities
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.