LCHY
ActiveLCHY has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €-8k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-16
Solvency63▲+1
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.39 against 0.38 in 2024), and 47.1% 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 · 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.9%
Return on assets
-5.4%
Age of the figures
8 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
6 d early
2023
9 d late
2022
87 d late
2021
60 d late
2020
87 d late
2019
108 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 9.3%
2024 · €83k
2018: €98k
2019: €99k
2020: €107k
2021: €110k
2022: €95k
2023: €81k
2024: €83k
2018 → 2025
Total assets
€143k▼ 13.9%
2024 · €166k
2018: €372k
2019: €368k
2020: €407k
2021: €393k
2022: €300k
2023: €211k
2024: €166k
2018 → 2025
Net result
€-8k
2024 · €3k
2018: €-7k
2019: €851
2020: €18k
2021: €2k
2022: €-15k
2023: €-15k
2024: €3k
2018 → 2025
Working capital
€-40k▲ 16.3%
2024 · €-48k
2018: €-50k
2019: €-44k
2020: €-66k
2021: €-5k
2022: €-28k
2023: €-52k
2024: €-48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€95k▼ 13.3%€81k▼ 15.4%€83k▲ 3.4%€76k▼ 9.3%
Operating result€9k-€29k▲ 232%€-11k€4k€-6k
Net result€2k-€-15k€-15k▼ 0.1%€3k€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€117k▼ 14.1%
Current assets
€26k▼ 13.2%
Equity and liabilities €143k
Equity
€76k▼ 9.3%
Debt
€67k▼ 18.6%
The debt ratio falls from 49.8% to 47.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€18k▼
2024 · €31k
Cash flow
€16k▼
2024 · €30k
Solvency
52.9%▲
2024 · 50.2%
Current ratio
0.39▲
2024 · 0.38
Quick ratio
0.39▲
2024 · 0.38
Debt / equity
0.89▼
2024 · 0.99
ROE
-10.2%▼
2024 · 3.3%
ROA
-5.4%▼
2024 · 1.6%
Interest coverage
20.08▼
2024 · 21.51
Debt
€67k▼
2024 · €83k
Debt ≤ 1 year
€66k▼
2024 · €77k
Debt > 1 year
€2k▼
2024 · €5k
Income taxes
€462▲
2024 · €200
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€166k€143k▼
Fixed assets21/28€136k€117k▼
Tangible fixed assets22/27€136k€117k▼
Land and buildings22€96k€86k▼
Plant, machinery and equipment23€40k€30k▼
Furniture and vehicles24€62€777▲
Financial fixed assets28€79€79=
Current assets29/58€30k€26k▼
Stocks and contracts in progress3€328€328=
Stocks30/36€328€328=
Amounts receivable within one year40/41€5k€20k▲
Trade receivables40€5k€15k▲
Other amounts receivable41€741€5k▲
Cash at bank and in hand54/58€22k€4k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€166k€143k▼
Equity10/15€83k€76k▼
Contributions10/11€6k€6k=
Reserves13€77k€77k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€42k€42k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14-€-8k
Amounts payable17/49€83k€67k▼
Amounts payable after more than one year17€5k€2k▼
Financial debts170/4€4k-
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€77k€66k▼
Current portion of amounts payable after more than one year42€25k€4k▼
Trade debts44€50k€62k▲
Suppliers440/4€50k€62k▲
Taxes, remuneration and social security45-€87
Taxes450/3-€87
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€24k▼
Other operating charges640/8€5k€7k▲
Gross operating margin9900€36k€25k▼
Operating profit (loss)9901€4k€-6k▼
Financial income75/76B€15-
Recurring financial income75€15-
Financial charges65/66B€1k€877▼
Recurring financial charges65€1k€877▼
Profit (loss) for the period before taxes9903€3k€-7k▼
Income taxes67/77€200€462▲
Profit (loss) for the period9904€3k€-8k▼
Profit (loss) for the period to be appropriated9905€3k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-8k▼
Transfer to equity691/2€3k-
To other reserves6921€3k-
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 87 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Highest result since 2018net €18k ▲2051%
Net result €18k, the highest in the series.
31-12
Financial
Equity above €100kEq €107k ▲8.4%
2 profitable years in a row build equity to €107k.
09-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 497 days late
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Back to profitnet €851
Net result €851 after one loss-making year.
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
20-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Bertem · 1 establishment unit since 2012
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.
Lelielaan 173061 BertemGround area
757 m²
Building footprint
271 m²
Volume, LiDAR
1,951 m³
2 parcels, Brussels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Outletstore
since 20122.214.068.253
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061F0180/00S011 | Flanders | 592 m² | 1 · 124 m² | 8.3 m · 2 fl. |
| 21002A0191/00P000 | Brussels | 165 m² | 1 · 147 m² | 11.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudergem2.214.068.253
Similar companies · same sector, comparable size
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MODINET
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STRAUSS Christine
BE 0826.105.646
Mons · Eq €77k
MASYBELLE
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MedRelief
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Of 657 companies in sector 47715 we hold annual accounts for 186. 159 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2012
Fiscal year end31-12
Activities, NACEBEL
47715Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.