LCF GROUP
ActiveSummary
The computed 12-month bankruptcy probability of LCF GROUP is 1.8% (moderate). The 2025 annual accounts show equity of €54k and a net result of €20k. Its solvency ranks better than 86% of 1526 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
Axes · tick = 2024
Profitability100=
Solvency100▲+11
Growth52
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.37 against 2.45 in 2024; short-term debt: 21.6% and cash: 15.4% of total assets), and 21.6% 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
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
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← 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
78.4%
Return on assets
28.8%
Age of the figures
9 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 11-09-2026, 42 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
42 d late
2024
97 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 58.0%
2024 · €34k
2024: €34k
2025: €54k▲ +58.0% vs 2024
2024 → 2025
Total assets
€68k▲ 28.5%
2024 · €53k
2024: €53k
2025: €68k▲ +28.5% vs 2024
2024 → 2025
Net result
€20k▼ 17.9%
2024 · €24k
2024: €24k
2025: €20k▼ -17.9% vs 2024
2024 → 2025
Working capital
€50k▲ 78.0%
2024 · €28k
2024: €28k
2025: €50k▲ +78.0% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€34k-€54k▲ 58.0%
2024: €34k
2025: €54k▲ +58.0% vs 2024
Operating result€32k-€25k▼ 22.3%
2024: €32k
2025: €25k▼ -22.3% vs 2024
Net result€24k-€20k▼ 17.9%
2024: €24k
2025: €20k▼ -17.9% vs 2024
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 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€4k ▼ 35.6%
Current assets
€65k ▲ 36.6%
Equity and liabilities €68k
Equity
€54k ▲ 58.0%
Debt
€15k ▼ 23.4%
Debt's share of the balance-sheet total falls from 36.2% to 21.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €33k
Cash flow
€22k▼
2024 · €25k
Current ratio
4.37▲
2024 · 2.45
Debt to equity
0.28▼
2024 · 0.57
ROE
36.7%▼
2024 · 70.6%
ROA
28.8%▼
2024 · 45.0%
Interest coverage
141.34▼
2024 · 317.09
Debt ≤ 1 year
€15k▼
2024 · €19k
Income taxes
€5k▼
2024 · €8k
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€53k€68k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€2k€945▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€47k€65k▲
Amounts receivable within one year40/41€39k€54k▲
Trade receivables40€10k€13k▲
Other amounts receivable41€28k€42k▲
Cash at bank and in hand54/58€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€53k€68k▲
Equity10/15€34k€54k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€24k€44k▲
Amounts payable17/49€19k€15k▼
Amounts payable within one year42/48€19k€15k▼
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€515-
Gross operating margin9900€35k€27k▼
Operating profit (loss)9901€32k€25k▼
Financial charges65/66B€105€192▲
Recurring financial charges65€105€192▲
Profit (loss) for the period before taxes9903€32k€25k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€24k€20k▼
Profit (loss) for the period to be appropriated9905€24k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€44k▲
Profit (loss) brought forward from the previous period14P-€24k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €1k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €2k | ▲ 93.1% |
| Other operating charges640/8 | €515 | - | - |
| Gross operating margin9900 | €35k | €27k | ▼ 22.1% |
| Operating profit (loss)9901 | €32k | €25k | ▼ 22.3% |
| Financial charges65/66B | €105 | €192 | ▲ 83.0% |
| Recurring financial charges65 | €105 | €192 | ▲ 83.0% |
| Profit (loss) for the period before taxes9903 | €32k | €25k | ▼ 22.6% |
| Income taxes67/77 | €8k | €5k | ▼ 36.8% |
| Profit (loss) for the period9904 | €24k | €20k | ▼ 17.9% |
| Profit (loss) for the period to be appropriated9905 | €24k | €20k | ▼ 17.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €53k | €68k | ▲ 28.5% |
| Fixed assets21/28 | €6k | €4k | ▼ 35.6% |
| Tangible fixed assets22/27 | €6k | €4k | ▼ 35.6% |
| Plant, machinery and equipment23 | €2k | €945 | ▼ 45.5% |
| Furniture and vehicles24 | €4k | €3k | ▼ 31.6% |
| Current assets29/58 | €47k | €65k | ▲ 36.6% |
| Amounts receivable within one year40/41 | €39k | €54k | ▲ 39.8% |
| Trade receivables40 | €10k | €13k | ▲ 19.9% |
| Other amounts receivable41 | €28k | €42k | ▲ 47.2% |
| Cash at bank and in hand54/58 | €9k | €11k | ▲ 22.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €53k | €68k | ▲ 28.5% |
| Equity10/15 | €34k | €54k | ▲ 58.0% |
| Contributions10/11 | €10k | €10k | = |
| Profit (loss) carried forward14 | €24k | €44k | ▲ 82.1% |
| Amounts payable17/49 | €19k | €15k | ▼ 23.4% |
| Amounts payable within one year42/48 | €19k | €15k | ▼ 23.4% |
| Trade debts44 | €8k | €1k | ▼ 83.5% |
| Suppliers440/4 | €8k | €1k | ▼ 83.5% |
| Taxes, remuneration and social security45 | €11k | €13k | ▲ 23.0% |
| Taxes450/3 | €11k | €13k | ▲ 23.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €20k | ▼ 17.9% |
| + Depreciation and write-downs630 | €1k | €2k | ▲ 93.1% |
| Operating cash flow (approximation) | €25k | €22k | ▼ 13.0% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €2k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 97 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Lennik · 1 establishment unit since 2023
Ground area
266 m²
Building footprint
88 m²
Volume, LiDAR
587 m³
Parcel 23072A0295/00N000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LCF GROUP
since 20232.350.544.184
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072A0295/00N000 | Flanders | 266 m² | 1 · 88 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,443 companies in sector 77110 we hold annual accounts for 727. 481 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
43211General electrical installation work
70200Business and other management consultancy
73110Advertising agencies
81210General cleaning of buildings
Scores and ratios are computed by Checked and are not a credit decision.